The Clifton Heights Savings & Loan Company - Overview
General
FDIC Certificate #: 28467 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Cincinnati Federal Savings and Loan Association (#28346) Federal Reserve ID: 473471 Date Established: January 01, 1885 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1648 FDIC's unique #: 41301 Numeric code: 36 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: December 06, 1960 Last Structure Change Effective Date: November 16, 2007 Last Structure Change Process Date: January 07, 2008 Last Data Update: January 07, 2008 Data Source Date: April 05, 2012
Location
Address: 201 W Mcmillan St, Cincinnati, OH 45219 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: $14.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
4Total employees (full-time equivalent)
$15,372Total assets
$861Cash and due from depository institutions
$716Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$14,072Net loans & leases
$120Loan loss allowance
$0Trading account assets
$147Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$292All other assets
$15,372Total liabilities and capital
$14,005Total liabilities
$11,215Total deposits
$10,824Interest-bearing deposits
$11,215Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,750Other borrowed funds
$0Subordinated debt
$40All other liabilities
$1,367Total equity capital
$1,367Total bank equity capital
$1,367Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$1,367Noncurrent loans and leases
$386Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$82Earning assets
$0Long-term assets (5+ years)
$69Average Assets, year-to-date
$14,788Average Assets, quarterly
$0Volatile liabilities
$15,902Insider loans
$15,644FHLB advances
$4,290Loans and leases held for sale
$0Unused loan commitments
$2,750Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$386Total unused commitments
$0Restructured Loans and leases
$120Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$1,018Total interest income
$551Total interest expense
$467Net interest income
$24Provision for loan and lease losses
$55Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$55Additional noninterest income
$538Total noninterest expense
$266Salaries and employee benefits
$89Premises and equipment expense
$183Additional noninterest expense
-$40Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
-$42Income before extraordinary items
$0Extraordinary gains - net
-$42Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$69Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.67%Yield on earning assets
3.61%Cost of funding earning assets
3.06%Net interest margin
0.36%Noninterest income to earning assets
3.52%Noninterest expense to earning assets
-0.26%Net operating income to assets
-0.26%Return on assets (ROA)
-0.25%Pretax return on assets
-2.99%Return on equity (ROE)
-2.99%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
34.78%Credit loss provision to net charge-offs
-0.23%Efficiency ratio
103,065Assets per employee
3.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.85%Loss allowance to noncurrent loans
146.34%Noncurrent assets plus other real estate owned to assets
0.53%Noncurrent loans to loans
0.58%Net loans and leases to deposits
125.47%Net loans and leases to core deposits
145.45%Equity capital to assets
8.89%Core capital (leverage) ratio
8.89%Tier 1 risk-based capital ratio
14.02%Total risk-based capital ratio
Memoranda
$15Average assets
$15,902Average earning assets
$1,405Average equity
$15,272Average loans
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