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


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

  • General
  • FDIC Certificate #: 28346
    Status: Active
    Federal Reserve ID: 66677
    Date Established: January 01, 1922
    WWW: http://www.cincinnatifederal.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: No)
    OTS Docket #: 1409
    FDIC's unique #: 41180
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 25, 1935
    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: 6581 Harrison Avenue, Cincinnati, OH 45247
    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: $113.3 mil
    Equity capital: $11.1 mil
    Deposits held in domestic offices: $84.6 mil
    Return on assets (ROA): 0.55% ($0.6 mil)
    Quarterly return on assets: 0.69% ($0.8 mil)
    Return on Equity (ROE): 5.87% ($0.6 mil)
    Quarterly return on equity: 7.31% ($0.8 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.67% ($759.1 mil)
    Quarterly Pretax return on assets: 1.07% ($1,212.3 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
  • 27Total employees (full-time equivalent)
  • $113,295Total assets
  • $9,406Cash and due from depository institutions
  • $8,761Interest-bearing balances
  • $2,777Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,095Net loans & leases
  • $1,005Loan loss allowance
  • $0Trading account assets
  • $2,799Bank premises and fixed assets
  • $390Other real estate owned
  • $302Goodwill and other intangibles
  • $113,295Life insurance assets
  • $2,526All other assets
  • $102,213Total liabilities and capital
  • $84,642Total liabilities
  • $76,823Total deposits
  • $84,642Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,857Trading liabilities
  • $0Other borrowed funds
  • $714Subordinated debt
  • $11,082All other liabilities
  • $11,082Total equity capital
  • $11,082Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $11,082Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $986Income earned, not collected on loans
  • $0Earning assets
  • $407Long-term assets (5+ years)
  • $106,633Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $111,424Volatile liabilities
  • $114,280Insider loans
  • $81,670FHLB advances
  • $113,254Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,036Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,151Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,342Total interest income
  • $1,907Total interest expense
  • $3,435Net interest income
  • $235Provision for loan and lease losses
  • $1,282Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,209Additional noninterest income
  • $3,789Total noninterest expense
  • $2,209Salaries and employee benefits
  • $709Premises and equipment expense
  • $871Additional noninterest expense
  • $693Pre-tax net operating income
  • $58Securities gains (losses)
  • $139Applicable income taxes
  • $612Income before extraordinary items
  • $0Extraordinary gains - net
  • $612Net income attributable to bank
  • $0Net charge-offs
  • $612Cash dividends
  • $243Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.83%Cost of funding earning assets
  • 3.29%Net interest margin
  • 1.23%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 5.87%Return on equity (ROE)
  • 5.87%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 96.71%Credit loss provision to net charge-offs
  • 3.82%Efficiency ratio
  • 80,326Assets per employee
  • 4.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 101.93%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 112.35%Net loans and leases to core deposits
  • 114.14%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 9.75%Tier 1 risk-based capital ratio
  • 13.51%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $111,424Average earning assets
  • $10,420Average equity
  • $104,466Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041180Cincinnati Federal Savings And Loan6581 Harrison Avenue, Cincinnati, OH 45247January 01, 1922Full Service Brick and Mortar
    12669031270 Nagel Road Branch1270 Nagel Road, Cincinnati, OH 45255January 01, 1922Full Service Brick and Mortar
    1002669047553 Bridgetown Road Branch7553 Bridgetown Road, Cincinnati, OH 45248January 01, 1922Full Service Brick and Mortar
    10241301Clifton Heights Branch201 W Mcmillan St, Cincinnati, OH 45219January 01, 1885Full Service Brick and Mortar
    103521542Price Hill Branch4310 Glenway Avenue, Cincinnati, OH 45205June 30, 2011Full Service Brick and Mortar

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