Women's Federal Savings Bank in Cleveland, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 22, 1993

  • Women's Federal Savings Bank in Cleveland, Ohio (OH)
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Women's Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29489
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Charter One Bank, National Association (#28932)
    Federal Reserve ID: 564276
    Date Established: July 29, 1935
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3538
    FDIC's unique #: 42323
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: July 29, 1935
    Last Structure Change Effective Date: January 22, 1993
    Last Structure Change Process Date: Febuary 03, 1993
    Last Data Update: Febuary 03, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 Public Square, Cleveland, OH 44113
    County: Cuyahoga
    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): Cleveland-Lorain-Elyria, OH (#1680)
    Consolidated Metropolitan Statistical Area (CMSA): Cleveland-Akron, OH (#28)
    Combined Statistical Area (CSA): Cleveland-Akron-Elyria, OH (#184)
    Core Based Statistical Area (CBSA): Cleveland-Elyria-Mentor, OH (#17460)
    CBSA Metro Statistical Area: Cleveland-Elyria-Mentor, OH (#17460)
  • Financial Summary
  • Total assets: $822.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $231Total assets
  • $822,432Cash and due from depository institutions
  • $27,333Interest-bearing balances
  • $13,075Securities
  • $179,207Federal funds sold & reverse repurchase agreements
  • $8,500Net loans & leases
  • $552,915Loan loss allowance
  • $1,222Trading account assets
  • $0Bank premises and fixed assets
  • $2,858Other real estate owned
  • $739Goodwill and other intangibles
  • $17,645Life insurance assets
  • $33,235All other assets
  • $0Total liabilities and capital
  • $822,432Total liabilities
  • $746,396Total deposits
  • $727,090Interest-bearing deposits
  • $712,171Deposits held in domestic offices
  • 727090.00%% insured (estimated)
  • $97Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $16,647Subordinated debt
  • $0All other liabilities
  • $2,659Total equity capital
  • $2,659Total bank equity capital
  • $76,036Perpetual preferred stock
  • $0Common stock
  • $23Surplus
  • $37,043Undivided profits
  • Memoranda
  • $38,970Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,016Income earned, not collected on loans
  • $3,894Earning assets
  • $753,697Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $807,391Average Assets, quarterly
  • $821,673Volatile liabilities
  • $74,266Insider loans
  • $0FHLB advances
  • $121Loans and leases held for sale
  • $0Unused loan commitments
  • $24,760Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $50,672Total risk weighted assets
  • $315,437Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $70,823Total interest expense
  • $35,856Net interest income
  • $34,967Provision for loan and lease losses
  • $632Total noninterest income
  • $3,076Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $3,076Total noninterest expense
  • $17,168Salaries and employee benefits
  • $7,237Premises and equipment expense
  • $3,581Additional noninterest expense
  • $6,350Pre-tax net operating income
  • $20,243Securities gains (losses)
  • $0Applicable income taxes
  • $6,307Income before extraordinary items
  • $13,936Extraordinary gains - net
  • $0Net income attributable to bank
  • $13,936Net charge-offs
  • $71Cash dividends
  • $3,058Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.60%Cost of funding earning assets
  • 4.86%Net interest margin
  • 4.74%Noninterest income to earning assets
  • 0.42%Noninterest expense to earning assets
  • 2.33%Net operating income to assets
  • 1.73%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 2.51%Return on equity (ROE)
  • 19.86%Retained earnings to average equity (YTD only)
  • 15.50%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 890.14%Efficiency ratio
  • 39,269Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.94%Loss allowance to loans
  • 0.22%Loss allowance to noncurrent loans
  • 40.52%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 76.04%Net loans and leases to core deposits
  • 82.59%Equity capital to assets
  • 9.25%Core capital (leverage) ratio
  • 6.42%Tier 1 risk-based capital ratio
  • 16.06%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $807,391Average earning assets
  • $70,166Average equity
  • $738,110Average loans

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