Southern Hills Community Bank in Leesburg, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Southern Hills Community Bank in Leesburg, Ohio (OH)
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Southern Hills Community Bank - Overview

  • General
  • FDIC Certificate #: 29749
    Status: Active
    Federal Reserve ID: 352370
    Date Established: January 01, 1884
    WWW: http://www.southernhillscommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 4013
    FDIC's unique #: 42583
    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: November 07, 1936
    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: 45 East Main Street, Leesburg, OH 45135
    County: Highland
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $87.1 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $68.2 mil
    Return on assets (ROA): 0.67% ($0.6 mil)
    Quarterly return on assets: 0.92% ($0.8 mil)
    Return on Equity (ROE): 5.04% ($0.6 mil)
    Quarterly return on equity: 6.64% ($0.8 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($879.3 mil)
    Quarterly Pretax return on assets: 1.36% ($1,184.0 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
  • 25Total employees (full-time equivalent)
  • $87,062Total assets
  • $8,819Cash and due from depository institutions
  • $7,618Interest-bearing balances
  • $62Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $72,871Net loans & leases
  • $940Loan loss allowance
  • $0Trading account assets
  • $2,603Bank premises and fixed assets
  • $750Other real estate owned
  • $191Goodwill and other intangibles
  • $87,062Life insurance assets
  • $1,766All other assets
  • $74,957Total liabilities and capital
  • $68,180Total liabilities
  • $66,315Total deposits
  • $68,180Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,164Trading liabilities
  • $0Other borrowed funds
  • $613Subordinated debt
  • $12,105All other liabilities
  • $12,105Total equity capital
  • $12,105Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $12,105Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $844Income earned, not collected on loans
  • $0Earning assets
  • $523Long-term assets (5+ years)
  • $80,551Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $76,843Volatile liabilities
  • $87,347Insider loans
  • $54,289FHLB advances
  • $86,878Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,029Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,354Restructured Loans and leases
  • $262Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,579Total interest income
  • $545Total interest expense
  • $4,034Net interest income
  • $450Provision for loan and lease losses
  • $62Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $62Additional noninterest income
  • $2,870Total noninterest expense
  • $1,535Salaries and employee benefits
  • $275Premises and equipment expense
  • $1,060Additional noninterest expense
  • $776Pre-tax net operating income
  • $0Securities gains (losses)
  • $264Applicable income taxes
  • $512Income before extraordinary items
  • $0Extraordinary gains - net
  • $512Net income attributable to bank
  • $0Net charge-offs
  • $512Cash dividends
  • $261Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 5.66%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 5.04%Return on equity (ROE)
  • 5.04%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 172.41%Credit loss provision to net charge-offs
  • 4.70%Efficiency ratio
  • 68,970Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 111.37%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 106.88%Net loans and leases to core deposits
  • 113.89%Equity capital to assets
  • 13.90%Core capital (leverage) ratio
  • 13.85%Tier 1 risk-based capital ratio
  • 22.16%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $76,843Average earning assets
  • $10,156Average equity
  • $71,315Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042583Southern Hills Community Bank45 East Main Street, Leesburg, OH 45135January 01, 1884Full Service Brick and Mortar
    1277051134 N Washington St Branch134 N Washington St, Greenfield, OH 45123January 01, 1884Full Service Brick and Mortar
    242601Lynchburg Branch223 No Main St, Lynchburg, OH 45142January 01, 1922Full Service Brick and Mortar

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