Warsaw Federal Savings and Loan Association in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Warsaw Federal Savings and Loan Association in Cincinnati, Ohio (OH)
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Warsaw Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28217
    Status: Active
    Federal Reserve ID: 875879
    Date Established: January 01, 1893
    WWW: http://www.warsawfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 1158
    FDIC's unique #: 41051
    Numeric code: 38
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 30, 1936
    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: 3533 Warsaw Ave, Cincinnati, OH 45205
    County: Hamilton
    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
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $65.5 mil
    Equity capital: $9.4 mil
    Deposits held in domestic offices: $55.7 mil
    Return on assets (ROA): -0.30% (-$0.2 mil)
    Quarterly return on assets: 0.04% ($0.0 mil)
    Return on Equity (ROE): -2.12% (-$0.2 mil)
    Quarterly return on equity: 0.25% ($0.0 mil)
    Net income: -$0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.45% (-$295.0 mil)
    Quarterly Pretax return on assets: 0.15% ($98.3 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
  • 20Total employees (full-time equivalent)
  • $65,547Total assets
  • $15,136Cash and due from depository institutions
  • $14,596Interest-bearing balances
  • $3,122Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $45,018Net loans & leases
  • $460Loan loss allowance
  • $0Trading account assets
  • $395Bank premises and fixed assets
  • $370Other real estate owned
  • $0Goodwill and other intangibles
  • $65,547Life insurance assets
  • $1,506All other assets
  • $56,114Total liabilities and capital
  • $55,652Total liabilities
  • $55,652Total deposits
  • $55,652Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $133Trading liabilities
  • $0Other borrowed funds
  • $329Subordinated debt
  • $9,433All other liabilities
  • $9,433Total equity capital
  • $9,433Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $9,433Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $693Income earned, not collected on loans
  • $0Earning assets
  • $218Long-term assets (5+ years)
  • $62,736Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $67,133Volatile liabilities
  • $65,374Insider loans
  • $34,228FHLB advances
  • $65,547Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,433Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,380Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,661Total interest income
  • $868Total interest expense
  • $1,793Net interest income
  • $372Provision for loan and lease losses
  • $346Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $346Additional noninterest income
  • $2,072Total noninterest expense
  • $1,119Salaries and employee benefits
  • $304Premises and equipment expense
  • $649Additional noninterest expense
  • -$305Pre-tax net operating income
  • $0Securities gains (losses)
  • -$103Applicable income taxes
  • -$202Income before extraordinary items
  • $0Extraordinary gains - net
  • -$202Net income attributable to bank
  • $0Net charge-offs
  • -$202Cash dividends
  • $120Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.15%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 2.80%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • -0.30%Net operating income to assets
  • -0.30%Return on assets (ROA)
  • -0.45%Pretax return on assets
  • -2.12%Return on equity (ROE)
  • -2.12%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 310.00%Credit loss provision to net charge-offs
  • 0.56%Efficiency ratio
  • 96,868Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 66.38%Noncurrent assets plus other real estate owned to assets
  • 1.62%Noncurrent loans to loans
  • 1.52%Net loans and leases to deposits
  • 80.89%Net loans and leases to core deposits
  • 81.85%Equity capital to assets
  • 14.39%Core capital (leverage) ratio
  • 14.39%Tier 1 risk-based capital ratio
  • 27.56%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $67,133Average earning assets
  • $9,539Average equity
  • $64,103Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041051Warsaw Federal Savings And Loan Asso3533 Warsaw Ave, Cincinnati, OH 45205January 01, 1893Full Service Brick and Mortar
    1359174Gracely Drive Branch6570 Gracely Drive, Cincinnati, OH 45233May 01, 2000Full Service Brick and Mortar

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