FDIC Certificate #: 31539 Status: Active Federal Reserve ID: 87476 Date Established: January 01, 1890 WWW:http://www.wilmingtonsavings.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 7147 FDIC's unique #: 44373 Numeric code: 42 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: Commercial Lending Specialization Date of Deposit Insurance: November 09, 1967 Last Structure Change Effective Date: April 03, 2012 Last Structure Change Process Date: April 03, 2012 Last Data Update: April 03, 2012 Data Source Date: April 05, 2012
Location
Address: 184 North South Street, Wilmington, OH 45177 County: Clinton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Cincinnati Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Wilmington, OH (#48940) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $208.3 mil Equity capital: $30.1 mil Deposits held in domestic offices: $139.9 mil Return on assets (ROA): -1.70% (-$3.5 mil) Quarterly return on assets: -1.30% (-$2.7 mil) Return on Equity (ROE): -11.14% (-$3.3 mil) Quarterly return on equity: -8.70% (-$2.6 mil) Net income: -$3.5 mil Quarterly Net income: -$0.7 mil Pretax return on assets: -2.58% (-$5,373.2 mil) Quarterly Pretax return on assets: -2.17% (-$4,519.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$208,265Total assets
$36,741Cash and due from depository institutions
$35,898Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$159,394Net loans & leases
$10,199Loan loss allowance
$0Trading account assets
$571Bank premises and fixed assets
$2,665Other real estate owned
$3Goodwill and other intangibles
$208,265Life insurance assets
$8,891All other assets
$178,207Total liabilities and capital
$139,907Total liabilities
$134,175Total deposits
$139,907Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$37,649Trading liabilities
$0Other borrowed funds
$651Subordinated debt
$30,058All other liabilities
$30,058Total equity capital
$30,058Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$775Surplus
$29,283Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$25,262Income earned, not collected on loans
$0Earning assets
$780Long-term assets (5+ years)
$195,292Average Assets, year-to-date
$92,624Average Assets, quarterly
$206,328Volatile liabilities
$203,393Insider loans
$124,916FHLB advances
$209,824Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$28,982Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,729Restructured Loans and leases
$447Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$10,129Total interest income
$2,727Total interest expense
$7,402Net interest income
$8,631Provision for loan and lease losses
$305Total noninterest income
$0Fiduciary activities
$87Service charges on deposit accounts
$0Trading account gains & fees
$218Additional noninterest income
$4,390Total noninterest expense
$1,772Salaries and employee benefits
$188Premises and equipment expense
$2,430Additional noninterest expense
-$5,314Pre-tax net operating income
$0Securities gains (losses)
-$1,807Applicable income taxes
-$3,507Income before extraordinary items
$0Extraordinary gains - net
-$3,507Net income attributable to bank
$0Net charge-offs
-$3,507Cash dividends
$6,217Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.26%Yield on earning assets
1.42%Cost of funding earning assets
3.85%Net interest margin
0.16%Noninterest income to earning assets
2.28%Noninterest expense to earning assets
-1.70%Net operating income to assets
-1.70%Return on assets (ROA)
-2.58%Pretax return on assets
-11.14%Return on equity (ROE)
-11.14%Retained earnings to average equity (YTD only)
3.45%Net charge-offs to loans
138.83%Credit loss provision to net charge-offs
0.53%Efficiency ratio
56,961Assets per employee
12.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.01%Loss allowance to noncurrent loans
40.37%Noncurrent assets plus other real estate owned to assets
13.41%Noncurrent loans to loans
14.90%Net loans and leases to deposits
113.93%Net loans and leases to core deposits
161.87%Equity capital to assets
14.43%Core capital (leverage) ratio
13.81%Tier 1 risk-based capital ratio
23.20%Total risk-based capital ratio
Memoranda
$25Average assets
$206,328Average earning assets
$31,475Average equity
$192,463Average loans
Bank Assets Sold and Securitized (December 31, 2011)
Dollar figures in thousands
Principal balance with servicing or other recourse retained
$2621-4 family residential loans
$0Home equity lines
$0Credit cards receivables
$0Auto loans
$0Other consumer loans
$0Commercial and industrial loans
$387All other loans and all leases
Recoveries on Assets Sold and Securitized (included in principal balance and YTD only)
$2621-4 family residential loans
$0>Home equity lines
$0Credit cards receivables
$0Auto loans
$0Other consumer loans
$0Commercial and industrial loans
$387All other loans and all leases
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
44373
The Wilmington Savings Bank
184 North South Street, Wilmington, OH 45177
January 01, 1890
Full Service Brick and Mortar
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