FDIC Certificate #: 28703 Status: Active Federal Reserve ID: 402873 Date Established: December 13, 1887 WWW:http://www.versaillessavingsbank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 2186 FDIC's unique #: 41537 Numeric code: 35 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: March 25, 1985 Last Structure Change Effective Date: January 04, 2012 Last Structure Change Process Date: January 04, 2012 Last Data Update: January 04, 2012 Data Source Date: April 05, 2012
Location
Address: 27 East Main Street, Versailles, OH 45380 County: Darke 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): Dayton-Springfield-Greenville, OH (#212) Core Based Statistical Area (CBSA): Greenville, OH (#24820) CBSA Micro Statistical Area: Yes
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $45.8 mil Equity capital: $9.5 mil Deposits held in domestic offices: $29.0 mil Return on assets (ROA): 0.62% ($0.3 mil) Quarterly return on assets: 0.49% ($0.2 mil) Return on Equity (ROE): 2.97% ($0.3 mil) Quarterly return on equity: 2.41% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.93% ($425.7 mil) Quarterly Pretax return on assets: 0.75% ($343.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$45,774Total assets
$6,451Cash and due from depository institutions
$5,320Interest-bearing balances
$1,309Securities
$0Federal funds sold & reverse repurchase agreements
$36,011Net loans & leases
$250Loan loss allowance
$0Trading account assets
$1,023Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$45,774Life insurance assets
$980All other assets
$36,271Total liabilities and capital
$29,002Total liabilities
$29,002Total deposits
$29,002Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,316Trading liabilities
$0Other borrowed funds
$953Subordinated debt
$9,503All other liabilities
$9,503Total equity capital
$9,503Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$1,741Surplus
$7,761Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$176Income earned, not collected on loans
$0Earning assets
$109Long-term assets (5+ years)
$42,640Average Assets, year-to-date
$0Average Assets, quarterly
$44,828Volatile liabilities
$46,069Insider loans
$26,464FHLB advances
$45,773Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,827Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$810Restructured Loans and leases
$178Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,994Total interest income
$480Total interest expense
$1,514Net interest income
$60Provision for loan and lease losses
$6Total noninterest income
$0Fiduciary activities
$2Service charges on deposit accounts
$0Trading account gains & fees
$4Additional noninterest income
$1,043Total noninterest expense
$652Salaries and employee benefits
$108Premises and equipment expense
$283Additional noninterest expense
$417Pre-tax net operating income
$0Securities gains (losses)
$141Applicable income taxes
$276Income before extraordinary items
$0Extraordinary gains - net
$276Net income attributable to bank
$0Net charge-offs
$276Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.72%Yield on earning assets
1.14%Cost of funding earning assets
3.58%Net interest margin
0.01%Noninterest income to earning assets
2.47%Noninterest expense to earning assets
0.62%Net operating income to assets
0.62%Return on assets (ROA)
0.93%Pretax return on assets
2.97%Return on equity (ROE)
2.97%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,618Assets per employee
6.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.69%Loss allowance to noncurrent loans
142.05%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.49%Net loans and leases to deposits
124.17%Net loans and leases to core deposits
127.52%Equity capital to assets
20.76%Core capital (leverage) ratio
21.47%Tier 1 risk-based capital ratio
37.13%Total risk-based capital ratio
Memoranda
$38Average assets
$44,828Average earning assets
$9,286Average equity
$42,276Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41537
Versailles Savings And Loan Company
27 East Main Street, Versailles, OH 45380
December 13, 1887
Full Service Brick and Mortar
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