FDIC Certificate #: 32295 Status: Active Federal Reserve ID: 306579 Date Established: April 10, 1886 WWW:http://www.highland-ohio.comhomebuilding/ 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 #: 8107 FDIC's unique #: 45129 Numeric code: 36 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: April 02, 1985 Last Structure Change Effective Date: January 04, 2012 Last Structure Change Process Date: January 04, 2012 Last Data Update: January 04, 2012 Data Source Date: April 05, 2012
Location
Address: 355 Jefferson Street, Greenfield, OH 45123 County: Highland Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Cincinnati Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $42.9 mil Equity capital: $6.6 mil Deposits held in domestic offices: $36.3 mil Return on assets (ROA): -0.75% (-$0.3 mil) Quarterly return on assets: -1.95% (-$0.8 mil) Return on Equity (ROE): -4.90% (-$0.3 mil) Quarterly return on equity: -12.48% (-$0.9 mil) Net income: -$0.3 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -0.81% (-$347.5 mil) Quarterly Pretax return on assets: -1.95% (-$836.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$42,901Total assets
$12,268Cash and due from depository institutions
$12,116Interest-bearing balances
$6,342Securities
$6,072Federal funds sold & reverse repurchase agreements
$16,249Net loans & leases
$400Loan loss allowance
$0Trading account assets
$293Bank premises and fixed assets
$842Other real estate owned
$0Goodwill and other intangibles
$42,901Life insurance assets
$835All other assets
$36,264Total liabilities and capital
$36,253Total liabilities
$36,253Total deposits
$36,253Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$11Subordinated debt
$6,637All other liabilities
$6,637Total equity capital
$6,637Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$6,637Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,093Income earned, not collected on loans
$0Earning assets
$207Long-term assets (5+ years)
$40,779Average Assets, year-to-date
$0Average Assets, quarterly
$44,249Volatile liabilities
$43,181Insider loans
$16,115FHLB advances
$42,901Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,637Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$101Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,541Total interest income
$228Total interest expense
$1,313Net interest income
$403Provision for loan and lease losses
$9Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$9Additional noninterest income
$1,279Total noninterest expense
$391Salaries and employee benefits
$43Premises and equipment expense
$845Additional noninterest expense
-$360Pre-tax net operating income
$0Securities gains (losses)
-$28Applicable income taxes
-$332Income before extraordinary items
$0Extraordinary gains - net
-$332Net income attributable to bank
$0Net charge-offs
-$332Cash dividends
$354Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.66%Yield on earning assets
0.54%Cost of funding earning assets
3.12%Net interest margin
0.02%Noninterest income to earning assets
3.04%Noninterest expense to earning assets
-0.75%Net operating income to assets
-0.75%Return on assets (ROA)
-0.81%Pretax return on assets
-4.90%Return on equity (ROE)
-4.90%Retained earnings to average equity (YTD only)
2.00%Net charge-offs to loans
113.84%Credit loss provision to net charge-offs
0.12%Efficiency ratio
96,747Assets per employee
7.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.40%Loss allowance to noncurrent loans
19.11%Noncurrent assets plus other real estate owned to assets
6.84%Noncurrent loans to loans
12.57%Net loans and leases to deposits
44.82%Net loans and leases to core deposits
44.82%Equity capital to assets
15.47%Core capital (leverage) ratio
15.47%Tier 1 risk-based capital ratio
41.19%Total risk-based capital ratio
Memoranda
$42Average assets
$44,249Average earning assets
$6,780Average equity
$42,123Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
45129
The Home Building And Loan Company
355 Jefferson Street, Greenfield, OH 45123
April 10, 1886
Full Service Brick and Mortar
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