United Midwest Savings Bank in De Graff, Ohio (OH), FL, KY
Overview, Financial Summary, Detailed Financial Reports, Branches


  • United Midwest Savings Bank in De Graff, Ohio (OH), FL, KY
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United Midwest Savings Bank - Overview

  • General
  • FDIC Certificate #: 32441
    Status: Active
    Federal Reserve ID: 809276
    Date Established: May 05, 1889
    WWW: http://www.umwsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: Yes)
    OTS Docket #: 8266
    FDIC's unique #: 45275
    Numeric code: 37
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 02, 1986
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Main Street, De Graff, OH 43318
    County: Logan
    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): Bellefontaine, OH (#13340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $213.2 mil
    Equity capital: $17.1 mil
    Deposits held in domestic offices: $194.3 mil
    Return on assets (ROA): -0.20% (-$0.4 mil)
    Quarterly return on assets: -0.13% (-$0.3 mil)
    Return on Equity (ROE): -2.92% (-$0.5 mil)
    Quarterly return on equity: -1.66% (-$0.3 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.20% (-$426.3 mil)
    Quarterly Pretax return on assets: -0.12% (-$255.8 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
  • 76Total employees (full-time equivalent)
  • $213,158Total assets
  • $17,658Cash and due from depository institutions
  • $545Interest-bearing balances
  • $188Securities
  • $400Federal funds sold & reverse repurchase agreements
  • $168,886Net loans & leases
  • $3,297Loan loss allowance
  • $0Trading account assets
  • $4,596Bank premises and fixed assets
  • $12,021Other real estate owned
  • $1,385Goodwill and other intangibles
  • $213,158Life insurance assets
  • $8,024All other assets
  • $196,101Total liabilities and capital
  • $194,315Total liabilities
  • $186,644Total deposits
  • $194,315Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,786Subordinated debt
  • $17,057All other liabilities
  • $17,057Total equity capital
  • $17,057Total bank equity capital
  • $0Perpetual preferred stock
  • $910Common stock
  • $20,050Surplus
  • $-3,903Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,715Income earned, not collected on loans
  • $0Earning assets
  • $727Long-term assets (5+ years)
  • $170,019Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $217,420Volatile liabilities
  • $212,289Insider loans
  • $148,668FHLB advances
  • $213,149Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,048Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,036Restructured Loans and leases
  • $247Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,605Total interest income
  • $2,693Total interest expense
  • $8,912Net interest income
  • $1,207Provision for loan and lease losses
  • $1,283Total noninterest income
  • $0Fiduciary activities
  • $115Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,168Additional noninterest income
  • $9,430Total noninterest expense
  • $5,064Salaries and employee benefits
  • $1,254Premises and equipment expense
  • $3,112Additional noninterest expense
  • -$442Pre-tax net operating income
  • $0Securities gains (losses)
  • -$9Applicable income taxes
  • -$433Income before extraordinary items
  • $0Extraordinary gains - net
  • -$433Net income attributable to bank
  • $0Net charge-offs
  • -$433Cash dividends
  • $1,236Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.38%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 4.90%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 5.19%Noninterest expense to earning assets
  • -0.20%Net operating income to assets
  • -0.20%Return on assets (ROA)
  • -0.20%Pretax return on assets
  • -2.92%Return on equity (ROE)
  • -2.92%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 97.65%Credit loss provision to net charge-offs
  • 0.62%Efficiency ratio
  • 92,496Assets per employee
  • 2.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 22.41%Noncurrent assets plus other real estate owned to assets
  • 12.54%Noncurrent loans to loans
  • 8.55%Net loans and leases to deposits
  • 86.91%Net loans and leases to core deposits
  • 90.24%Equity capital to assets
  • 8.00%Core capital (leverage) ratio
  • 8.00%Tier 1 risk-based capital ratio
  • 11.47%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $217,420Average earning assets
  • $14,842Average equity
  • $181,848Average loans

List of branches

  • 1 Florida Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    106499306Lake Mary Branch875 Currency Circle, Lake Mary, FL 32746September 02, 2008Full Service Brick and Mortar
  • 1 Kentucky Branch as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    103284922Ridgeway Avenue Branch1057 Ridgeway Avenue, Falmouth, KY 41040June 15, 1998Full Service Brick and Mortar
  • 3 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    045275United Midwest Savings Bank101 South Main Street, De Graff, OH 43318May 05, 1889Full Service Brick and Mortar
    101287987Reed Rd Branch4848 Reed Road, Columbus, OH 43220March 01, 1991Full Service Brick and Mortar
    1049453The First State Bk. Of W. Manchester101 North Main Street, West Manchester, OH 45382January 01, 1897Full Service Brick and Mortar

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