The Home Savings and Loan Company of Kenton, Ohio - Overview
General
FDIC Certificate #: 29571 Status: Active Federal Reserve ID: 296474 Date Established: January 01, 1888 WWW:http://www.hslc-kenton.com 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 #: 3681 FDIC's unique #: 42405 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: All Other Specialization < 1 Billion Date of Deposit Insurance: January 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: 116 East Franklin Street, Kenton, OH 43326 County: Hardin 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: $115.9 mil Equity capital: $31.0 mil Deposits held in domestic offices: $84.0 mil Return on assets (ROA): 0.88% ($1.0 mil) Quarterly return on assets: 0.73% ($0.8 mil) Return on Equity (ROE): 3.28% ($1.0 mil) Quarterly return on equity: 2.71% ($0.8 mil) Net income: $1.0 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.18% ($1,368.0 mil) Quarterly Pretax return on assets: 1.07% ($1,240.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
15Total employees (full-time equivalent)
$115,935Total assets
$6,597Cash and due from depository institutions
$6,233Interest-bearing balances
$29,708Securities
$0Federal funds sold & reverse repurchase agreements
$76,417Net loans & leases
$282Loan loss allowance
$0Trading account assets
$439Bank premises and fixed assets
$58Other real estate owned
$0Goodwill and other intangibles
$115,935Life insurance assets
$2,716All other assets
$84,887Total liabilities and capital
$83,982Total liabilities
$82,877Total deposits
$83,982Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$14Trading liabilities
$0Other borrowed funds
$891Subordinated debt
$31,048All other liabilities
$31,048Total equity capital
$31,048Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$31,048Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$677Income earned, not collected on loans
$0Earning assets
$541Long-term assets (5+ years)
$112,358Average Assets, year-to-date
$0Average Assets, quarterly
$114,359Volatile liabilities
$115,728Insider loans
$60,147FHLB advances
$115,649Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$30,859Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,965Restructured Loans and leases
$549Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,940Total interest income
$1,268Total interest expense
$3,672Net interest income
$185Provision for loan and lease losses
$93Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$93Additional noninterest income
$2,236Total noninterest expense
$1,014Salaries and employee benefits
$870Premises and equipment expense
$352Additional noninterest expense
$1,344Pre-tax net operating income
$0Securities gains (losses)
$340Applicable income taxes
$1,004Income before extraordinary items
$0Extraordinary gains - net
$1,004Net income attributable to bank
$0Net charge-offs
$1,004Cash dividends
$44Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.46%Yield on earning assets
1.15%Cost of funding earning assets
3.32%Net interest margin
0.08%Noninterest income to earning assets
2.02%Noninterest expense to earning assets
0.88%Net operating income to assets
0.88%Return on assets (ROA)
1.18%Pretax return on assets
3.28%Return on equity (ROE)
3.28%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
420.45%Credit loss provision to net charge-offs
34.75%Efficiency ratio
59,389Assets per employee
7.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.37%Loss allowance to noncurrent loans
41.65%Noncurrent assets plus other real estate owned to assets
0.63%Noncurrent loans to loans
0.88%Net loans and leases to deposits
90.99%Net loans and leases to core deposits
95.40%Equity capital to assets
26.78%Core capital (leverage) ratio
26.68%Tier 1 risk-based capital ratio
51.31%Total risk-based capital ratio
Memoranda
$52Average assets
$114,359Average earning assets
$30,598Average equity
$110,658Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
42405
The Home Savings And Loan Company Of Kenton, Ohio
116 East Franklin Street, Kenton, OH 43326
January 01, 1888
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Home Savings and Loan Company of Kenton, Ohio.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: