Home Savings Bank, FSB in Ludlow, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Home Savings Bank, FSB in Ludlow, Kentucky (KY)
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Home Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 31723
    Status: Active
    Federal Reserve ID: 33370
    Date Established: January 01, 1941
    WWW: http://www.homesavingsbanknky.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 #: 7384
    FDIC's unique #: 44557
    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 10, 1975
    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: 202 Elm Street, Ludlow, KY 41016
    County: Kenton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    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: $32.6 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $25.6 mil
    Return on assets (ROA): -0.91% (-$0.3 mil)
    Quarterly return on assets: -0.83% (-$0.3 mil)
    Return on Equity (ROE): -7.27% (-$0.3 mil)
    Quarterly return on equity: -6.72% (-$0.3 mil)
    Net income: -$0.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.87% (-$283.8 mil)
    Quarterly Pretax return on assets: -0.83% (-$270.7 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
  • 7Total employees (full-time equivalent)
  • $32,618Total assets
  • $2,264Cash and due from depository institutions
  • $1,212Interest-bearing balances
  • $10,666Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $17,923Net loans & leases
  • $187Loan loss allowance
  • $0Trading account assets
  • $165Bank premises and fixed assets
  • $890Other real estate owned
  • $0Goodwill and other intangibles
  • $32,618Life insurance assets
  • $710All other assets
  • $28,430Total liabilities and capital
  • $25,600Total liabilities
  • $25,506Total deposits
  • $25,600Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,784Trading liabilities
  • $0Other borrowed funds
  • $46Subordinated debt
  • $4,188All other liabilities
  • $4,188Total equity capital
  • $4,188Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,188Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $195Income earned, not collected on loans
  • $0Earning assets
  • $168Long-term assets (5+ years)
  • $29,801Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $35,018Volatile liabilities
  • $34,045Insider loans
  • $17,418FHLB advances
  • $32,618Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,188Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,364Restructured Loans and leases
  • $466Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,583Total interest income
  • $579Total interest expense
  • $1,004Net interest income
  • $24Provision for loan and lease losses
  • $119Total noninterest income
  • $0Fiduciary activities
  • $7Service charges on deposit accounts
  • $0Trading account gains & fees
  • $112Additional noninterest income
  • $1,404Total noninterest expense
  • $579Salaries and employee benefits
  • $192Premises and equipment expense
  • $633Additional noninterest expense
  • -$305Pre-tax net operating income
  • $0Securities gains (losses)
  • $15Applicable income taxes
  • -$320Income before extraordinary items
  • $0Extraordinary gains - net
  • -$320Net income attributable to bank
  • $0Net charge-offs
  • -$320Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.84%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 4.45%Noninterest expense to earning assets
  • -0.91%Net operating income to assets
  • -0.91%Return on assets (ROA)
  • -0.87%Pretax return on assets
  • -7.27%Return on equity (ROE)
  • -7.27%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 26.67%Credit loss provision to net charge-offs
  • -3.12%Efficiency ratio
  • 125,022Assets per employee
  • 4.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 95.90%Noncurrent assets plus other real estate owned to assets
  • 3.33%Noncurrent loans to loans
  • 1.08%Net loans and leases to deposits
  • 70.01%Net loans and leases to core deposits
  • 73.40%Equity capital to assets
  • 12.84%Core capital (leverage) ratio
  • 12.84%Tier 1 risk-based capital ratio
  • 24.04%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $35,018Average earning assets
  • $4,403Average equity
  • $31,548Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044557Home Savings Bank, Fsb202 Elm Street, Ludlow, KY 41016January 01, 1941Full Service Brick and Mortar

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