Industrial Savings and Loan Association - Overview
General
FDIC Certificate #: 29020 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Home Savings and Loan Company (#28114) Federal Reserve ID: 760779 Date Established: January 01, 1889 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 2775 FDIC's unique #: 41854 Numeric code: 35 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: December 21, 1955 Last Structure Change Effective Date: July 01, 2001 Last Structure Change Process Date: July 12, 2001 Last Data Update: July 12, 2001 Data Source Date: April 05, 2012
Location
Address: 211 North Sandusky Street, Bellevue, OH 44811 County: Huron Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Columbus Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Norwalk, OH (#35940) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $423.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
94Total employees (full-time equivalent)
$427,503Total assets
$22,387Cash and due from depository institutions
$21,155Interest-bearing balances
$14,169Securities
$0Federal funds sold & reverse repurchase agreements
$378,853Net loans & leases
$2,039Loan loss allowance
$0Trading account assets
$5,292Bank premises and fixed assets
$91Other real estate owned
$257Goodwill and other intangibles
$0Life insurance assets
$6,454All other assets
$427,503Total liabilities and capital
$388,850Total liabilities
$316,238Total deposits
$308,304Interest-bearing deposits
$316,238Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$67,300Other borrowed funds
$0Subordinated debt
$5,312All other liabilities
$38,653Total equity capital
$38,653Total bank equity capital
$38,653Perpetual preferred stock
$0Common stock
$1Surplus
$27,054Undivided profits
Memoranda
$11,598Noncurrent loans and leases
$29,800Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,189Earning assets
$0Long-term assets (5+ years)
$2,251Average Assets, year-to-date
$414,177Average Assets, quarterly
$0Volatile liabilities
$406,029Insider loans
$421,744FHLB advances
$130,248Loans and leases held for sale
$310Unused loan commitments
$50,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$29,800Total unused commitments
$0Restructured Loans and leases
$3,351Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$32,517Total interest income
$18,314Total interest expense
$14,203Net interest income
$113Provision for loan and lease losses
$2,165Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$2,165Additional noninterest income
$7,643Total noninterest expense
$4,212Salaries and employee benefits
$1,282Premises and equipment expense
$2,149Additional noninterest expense
$8,612Pre-tax net operating income
$204Securities gains (losses)
$3,093Applicable income taxes
$5,723Income before extraordinary items
$0Extraordinary gains - net
$5,723Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$47Sale, conversion, retirement of capital stock, net
$5,500Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.29%Yield on earning assets
4.67%Cost of funding earning assets
3.62%Net interest margin
0.55%Noninterest income to earning assets
1.95%Noninterest expense to earning assets
1.38%Net operating income to assets
1.41%Return on assets (ROA)
2.17%Pretax return on assets
14.68%Return on equity (ROE)
0.57%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
240.43%Credit loss provision to net charge-offs
185.64%Efficiency ratio
46,695Assets per employee
4.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.10%Loss allowance to loans
0.54%Loss allowance to noncurrent loans
93.15%Noncurrent assets plus other real estate owned to assets
0.53%Noncurrent loans to loans
0.57%Net loans and leases to deposits
119.80%Net loans and leases to core deposits
149.57%Equity capital to assets
9.04%Core capital (leverage) ratio
8.63%Tier 1 risk-based capital ratio
13.66%Total risk-based capital ratio
Memoranda
$15Average assets
$406,029Average earning assets
$38,998Average equity
$392,439Average loans
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