FDIC Certificate #: 29431 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Home Savings and Loan Company (#28114) Federal Reserve ID: 259376 Date Established: January 01, 1889 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 3440 FDIC's unique #: 42265 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: July 30, 1936 Last Structure Change Effective Date: April 01, 2002 Last Structure Change Process Date: May 14, 2002 Last Data Update: May 14, 2002 Data Source Date: April 05, 2012
Location
Address: Washington & Broadway, East Liverpool, OH 43920 County: Columbiana 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): Youngstown-Warren, OH (#9320) Combined Statistical Area (CSA): Youngstown-Warren-East Liverpool, OH-PA (#566) Core Based Statistical Area (CBSA): East Liverpool-Salem, OH (#20620) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $128.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
54Total employees (full-time equivalent)
$146,626Total assets
$4,647Cash and due from depository institutions
$359Interest-bearing balances
$19,531Securities
$900Federal funds sold & reverse repurchase agreements
$115,499Net loans & leases
$1,739Loan loss allowance
$0Trading account assets
$2,937Bank premises and fixed assets
$242Other real estate owned
$15Goodwill and other intangibles
$0Life insurance assets
$2,855All other assets
$146,626Total liabilities and capital
$133,782Total liabilities
$115,680Total deposits
$113,468Interest-bearing deposits
$115,680Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$17,500Other borrowed funds
$0Subordinated debt
$602All other liabilities
$12,844Total equity capital
$12,844Total bank equity capital
$12,844Perpetual preferred stock
$0Common stock
$533Surplus
$4,482Undivided profits
Memoranda
$7,829Noncurrent loans and leases
$7,107Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$928Earning assets
$0Long-term assets (5+ years)
$1,016Average Assets, year-to-date
$136,289Average Assets, quarterly
$63,276Volatile liabilities
$149,261Insider loans
$146,785FHLB advances
$15,968Loans and leases held for sale
$1,489Unused loan commitments
$17,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$463Total risk weighted assets
$7,107Total unused commitments
$0Restructured Loans and leases
$1,223Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$10,719Total interest income
$5,848Total interest expense
$4,871Net interest income
$60Provision for loan and lease losses
$660Total noninterest income
$0Fiduciary activities
$338Service charges on deposit accounts
$0Trading account gains & fees
$322Additional noninterest income
$3,368Total noninterest expense
$1,647Salaries and employee benefits
$381Premises and equipment expense
$1,340Additional noninterest expense
$2,103Pre-tax net operating income
$0Securities gains (losses)
$628Applicable income taxes
$1,475Income before extraordinary items
$0Extraordinary gains - net
$1,475Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$285Sale, conversion, retirement of capital stock, net
$800Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.69%Yield on earning assets
4.19%Cost of funding earning assets
3.49%Net interest margin
0.47%Noninterest income to earning assets
2.41%Noninterest expense to earning assets
0.99%Net operating income to assets
0.99%Return on assets (ROA)
1.41%Pretax return on assets
11.74%Return on equity (ROE)
5.37%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
21.05%Credit loss provision to net charge-offs
7.59%Efficiency ratio
60,893Assets per employee
2.72%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.24%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
187.39%Noncurrent assets plus other real estate owned to assets
0.80%Noncurrent loans to loans
0.79%Net loans and leases to deposits
99.84%Net loans and leases to core deposits
111.37%Equity capital to assets
8.76%Core capital (leverage) ratio
8.61%Tier 1 risk-based capital ratio
13.12%Total risk-based capital ratio
Memoranda
$14Average assets
$149,261Average earning assets
$12,562Average equity
$139,471Average loans
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