FDIC Certificate #: 28085 Status: Active Federal Reserve ID: 840578 Date Established: January 01, 1888 Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 871 FDIC's unique #: 40919 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: August 19, 1936 Last Structure Change Effective Date: December 19, 2011 Last Structure Change Process Date: December 19, 2011 Last Data Update: December 19, 2011 Data Source Date: April 05, 2012
Location
Address: 9 West Columbus Street, Nelsonville, OH 45764 County: Athens 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): Athens, OH (#11900) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $22.7 mil Equity capital: $2.4 mil Deposits held in domestic offices: $20.3 mil Return on assets (ROA): 0.29% ($0.1 mil) Quarterly return on assets: 0.11% ($0.0 mil) Return on Equity (ROE): 2.57% ($0.1 mil) Quarterly return on equity: 1.02% ($0.0 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.37% ($83.9 mil) Quarterly Pretax return on assets: 0.24% ($54.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2011)
Dollar figures in thousands
5Total employees (full-time equivalent)
$22,673Total assets
$4,687Cash and due from depository institutions
$4,134Interest-bearing balances
$1,203Securities
$0Federal funds sold & reverse repurchase agreements
$16,185Net loans & leases
$73Loan loss allowance
$0Trading account assets
$186Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$22,673Life insurance assets
$412All other assets
$20,311Total liabilities and capital
$20,253Total liabilities
$20,253Total deposits
$20,253Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$58Subordinated debt
$2,362All other liabilities
$2,362Total equity capital
$2,362Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$0Surplus
$2,322Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$54Long-term assets (5+ years)
$21,522Average Assets, year-to-date
$6,752Average Assets, quarterly
$20,996Volatile liabilities
$21,829Insider loans
$10,320FHLB advances
$22,205Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,362Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$101Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$927Total interest income
$310Total interest expense
$617Net interest income
$23Provision for loan and lease losses
$8Total noninterest income
$0Fiduciary activities
$8Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$524Total noninterest expense
$323Salaries and employee benefits
$38Premises and equipment expense
$163Additional noninterest expense
$78Pre-tax net operating income
$0Securities gains (losses)
$18Applicable income taxes
$60Income before extraordinary items
$0Extraordinary gains - net
$60Net income attributable to bank
$0Net charge-offs
$60Cash dividends
$5Sale, conversion, retirement of capital stock, net
$24Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.65%Yield on earning assets
1.55%Cost of funding earning assets
3.09%Net interest margin
0.04%Noninterest income to earning assets
2.63%Noninterest expense to earning assets
0.29%Net operating income to assets
0.29%Return on assets (ROA)
0.37%Pretax return on assets
2.57%Return on equity (ROE)
1.54%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
460.00%Credit loss provision to net charge-offs
20.20%Efficiency ratio
83,840Assets per employee
4.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.00%Loss allowance to loans
0.45%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
79.91%Net loans and leases to core deposits
87.61%Equity capital to assets
10.42%Core capital (leverage) ratio
10.64%Tier 1 risk-based capital ratio
22.89%Total risk-based capital ratio
Memoranda
$24Average assets
$20,996Average earning assets
$2,339Average equity
$19,945Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
40919
Nelsonville Home And Savings
9 West Columbus Street, Nelsonville, OH 45764
January 01, 1888
Full Service Brick and Mortar
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