Oak Hills Savings and Loan Company, F.A. - Overview
General
FDIC Certificate #: 28658 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Provident Bank (#744) Federal Reserve ID: 200976 Date Established: January 01, 1907 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 2062 FDIC's unique #: 41492 Numeric code: 37 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: September 18, 1953 Last Structure Change Effective Date: December 04, 1999 Last Structure Change Process Date: December 22, 1999 Last Data Update: December 22, 1999 Data Source Date: April 05, 2012
Location
Address: 5889 Bridgetown Road, Cincinnati, OH 45248 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)
Financial Summary
Total assets: $281.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
65Total employees (full-time equivalent)
$260,200Total assets
$6,958Cash and due from depository institutions
$5,341Interest-bearing balances
$72,746Securities
$7,002Federal funds sold & reverse repurchase agreements
$165,961Net loans & leases
$546Loan loss allowance
$0Trading account assets
$2,573Bank premises and fixed assets
$0Other real estate owned
$1,143Goodwill and other intangibles
$0Life insurance assets
$3,817All other assets
$260,200Total liabilities and capital
$240,277Total liabilities
$207,565Total deposits
$202,327Interest-bearing deposits
$207,565Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$31,474Other borrowed funds
$0Subordinated debt
$1,238All other liabilities
$19,923Total equity capital
$19,923Total bank equity capital
$19,923Perpetual preferred stock
$0Common stock
$30Surplus
$7,202Undivided profits
Memoranda
$12,691Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$319Earning assets
$0Long-term assets (5+ years)
$965Average Assets, year-to-date
$251,050Average Assets, quarterly
$0Volatile liabilities
$245,904Insider loans
$253,343FHLB advances
$59,575Loans and leases held for sale
$204Unused loan commitments
$31,118Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$14,169Total unused commitments
$0Restructured Loans and leases
$122,611Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$18,363Total interest income
$11,263Total interest expense
$7,100Net interest income
$38Provision for loan and lease losses
$621Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$621Additional noninterest income
$4,693Total noninterest expense
$2,661Salaries and employee benefits
$903Premises and equipment expense
$1,129Additional noninterest expense
$2,990Pre-tax net operating income
$339Securities gains (losses)
$1,243Applicable income taxes
$2,086Income before extraordinary items
$0Extraordinary gains - net
$2,086Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$20Sale, conversion, retirement of capital stock, net
$3,000Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.70%Yield on earning assets
4.73%Cost of funding earning assets
2.98%Net interest margin
0.26%Noninterest income to earning assets
1.97%Noninterest expense to earning assets
0.76%Net operating income to assets
0.85%Return on assets (ROA)
1.35%Pretax return on assets
9.96%Return on equity (ROE)
-4.36%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
190.00%Credit loss provision to net charge-offs
151.40%Efficiency ratio
60,653Assets per employee
4.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
143.82%Loss allowance to loans
0.33%Loss allowance to noncurrent loans
171.16%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.19%Net loans and leases to deposits
79.96%Net loans and leases to core deposits
92.48%Equity capital to assets
7.66%Core capital (leverage) ratio
7.30%Tier 1 risk-based capital ratio
15.44%Total risk-based capital ratio
Memoranda
$16Average assets
$245,904Average earning assets
$20,940Average equity
$238,365Average loans
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