Wayne Savings Community Bank in Wooster, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Wayne Savings Community Bank in Wooster, Ohio (OH)
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Wayne Savings Community Bank - Overview

  • General
  • FDIC Certificate #: 29847
    Status: Active
    Federal Reserve ID: 985479
    Date Established: January 01, 1899
    WWW: http://www.waynesavings.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 4195
    FDIC's unique #: 42681
    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: June 30, 1961
    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: 151 North Market Street, Wooster, OH 44691
    County: Wayne
    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): Wooster, OH (#49300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $410.1 mil
    Equity capital: $39.0 mil
    Deposits held in domestic offices: $335.6 mil
    Return on assets (ROA): 0.46% ($1.9 mil)
    Quarterly return on assets: 0.53% ($2.2 mil)
    Return on Equity (ROE): 4.91% ($1.9 mil)
    Quarterly return on equity: 5.56% ($2.2 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.55% ($2,255.6 mil)
    Quarterly Pretax return on assets: 0.63% ($2,583.7 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
  • 109Total employees (full-time equivalent)
  • $410,113Total assets
  • $19,824Cash and due from depository institutions
  • $17,327Interest-bearing balances
  • $132,366Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $232,138Net loans & leases
  • $3,854Loan loss allowance
  • $0Trading account assets
  • $7,165Bank premises and fixed assets
  • $1,283Other real estate owned
  • $2,187Goodwill and other intangibles
  • $410,113Life insurance assets
  • $15,150All other assets
  • $371,138Total liabilities and capital
  • $335,616Total liabilities
  • $301,305Total deposits
  • $335,616Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 5279.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,367Trading liabilities
  • $0Other borrowed funds
  • $2,876Subordinated debt
  • $38,975All other liabilities
  • $38,975Total equity capital
  • $38,975Total bank equity capital
  • $0Perpetual preferred stock
  • $3,889Common stock
  • $21,398Surplus
  • $13,688Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,808Income earned, not collected on loans
  • $35Earning assets
  • $1,314Long-term assets (5+ years)
  • $381,831Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $409,136Volatile liabilities
  • $408,284Insider loans
  • $235,030FHLB advances
  • $404,952Loans and leases held for sale
  • $7,193Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,132Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,725Restructured Loans and leases
  • $3,057Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,936Total interest income
  • $4,194Total interest expense
  • $12,742Net interest income
  • $928Provision for loan and lease losses
  • $1,786Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,786Additional noninterest income
  • $11,349Total noninterest expense
  • $6,057Salaries and employee benefits
  • $1,739Premises and equipment expense
  • $3,553Additional noninterest expense
  • $2,251Pre-tax net operating income
  • $0Securities gains (losses)
  • $374Applicable income taxes
  • $1,877Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,877Net income attributable to bank
  • $0Net charge-offs
  • $1,877Cash dividends
  • -$679Sale, conversion, retirement of capital stock, net
  • $681Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 4.91%Return on equity (ROE)
  • 3.13%Retained earnings to average equity (YTD only)
  • -0.29%Net charge-offs to loans
  • -136.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 77,485Assets per employee
  • 3.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.28%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 66.36%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 2.46%Net loans and leases to deposits
  • 69.17%Net loans and leases to core deposits
  • 74.18%Equity capital to assets
  • 9.50%Core capital (leverage) ratio
  • 8.68%Tier 1 risk-based capital ratio
  • 14.95%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $409,136Average earning assets
  • $38,259Average equity
  • $379,713Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $25,432Managed Assets
  • 1Number of Accounts
  • $22,048Personal trust and agency accounts
  • $15,352Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $2,501Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,195Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 64Number of Accounts
  • $0Personal trust and agency accounts
  • $2,501Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,384Other retirement accounts
  • $2,577Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $807Fiduciary accounts held in foreign offices

List of branches

  • 11 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042681Wayne Savings Community Bank151 North Market Street, Wooster, OH 44691January 01, 1899Full Service Brick and Mortar
    1277456North Clay Street Branch90 North Clay Street, Millersburg, OH 44654January 01, 1899Full Service Brick and Mortar
    2277457233 Claremont Branch233 Claremont, Ashland, OH 44805January 01, 1899Full Service Brick and Mortar
    4277458237 N Main St Branch237 N Main St, Rittman, OH 44270January 01, 1899Full Service Brick and Mortar
    1002774591926 Cleveland Rd Branch1926 Cleveland Rd, Wooster, OH 44691January 01, 1899Full Service Brick and Mortar
    101277460303 Highland Drive Branch303 Highland Drive, Lodi, OH 44254January 01, 1899Full Service Brick and Mortar
    103357639Millersburg Road Branch2024 Millersburg Road, Wooster, OH 44691May 10, 1999Full Service Brick and Mortar
    10461313Village Savings Bank, F.S.b. Branch1265 South Main Street, North Canton, OH 44720July 08, 1998Full Service Brick and Mortar
    10511348Stebbins National Bank Of Creston Br121 N Main Street, Creston, OH 44217September 01, 1881Full Service Brick and Mortar
    106518096Riffel Road Branch543 Riffel Road, Wooster, OH 44691July 06, 1999Full Service Brick and Mortar
    107518097Sugarbush Branch1055 Sugarbush Drive, Ashland, OH 44805May 14, 2001Full Service Brick and Mortar

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