Union Savings Bank in Cincinnati, Ohio (OH), IN
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Union Savings Bank in Cincinnati, Ohio (OH), IN
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Union Savings Bank - Overview

  • General
  • FDIC Certificate #: 32296
    Status: Active
    Federal Reserve ID: 911973
    Date Established: March 01, 1904
    WWW: http://www.unionsavings-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 25 (Domestic: 25, Interstate: Yes)
    OTS Docket #: 8109
    FDIC's unique #: 45130
    Numeric code: 35
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: March 26, 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: 8534 East Kemper Road, Cincinnati, OH 45249
    County: Hamilton
    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
    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)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $2,218.6 mil
    Equity capital: $178.5 mil
    Deposits held in domestic offices: $1,997.4 mil
    Return on assets (ROA): 2.94% ($65.2 mil)
    Quarterly return on assets: 4.58% ($101.6 mil)
    Return on Equity (ROE): 38.21% ($68.4 mil)
    Quarterly return on equity: 57.88% ($103.6 mil)
    Net income: $63.5 mil
    Quarterly Net income: $25.3 mil
    Pretax return on assets: 2.94% ($65,227.0 mil)
    Quarterly Pretax return on assets: 4.58% ($101,612.2 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
  • 511Total employees (full-time equivalent)
  • $2,218,607Total assets
  • $289,926Cash and due from depository institutions
  • $109,470Interest-bearing balances
  • $0Securities
  • $120,288Federal funds sold & reverse repurchase agreements
  • $1,657,264Net loans & leases
  • $28,058Loan loss allowance
  • $0Trading account assets
  • $23,413Bank premises and fixed assets
  • $7,508Other real estate owned
  • $61,882Goodwill and other intangibles
  • $2,218,607Life insurance assets
  • $58,326All other assets
  • $2,040,078Total liabilities and capital
  • $1,997,404Total liabilities
  • $1,972,162Total deposits
  • $1,997,404Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,700Trading liabilities
  • $0Other borrowed funds
  • $37,974Subordinated debt
  • $178,529All other liabilities
  • $178,529Total equity capital
  • $178,529Total bank equity capital
  • $0Perpetual preferred stock
  • $117Common stock
  • $2,033Surplus
  • $176,379Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $20,879Income earned, not collected on loans
  • $0Earning assets
  • $5,338Long-term assets (5+ years)
  • $1,887,022Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $2,161,140Volatile liabilities
  • $2,212,638Insider loans
  • $1,288,358FHLB advances
  • $2,212,524Loans and leases held for sale
  • $3,183Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $171,808Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $749,104Restructured Loans and leases
  • $2,397Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $69,394Total interest income
  • $21,974Total interest expense
  • $47,420Net interest income
  • $13,883Provision for loan and lease losses
  • $75,121Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $75,121Additional noninterest income
  • $45,184Total noninterest expense
  • $26,356Salaries and employee benefits
  • $6,327Premises and equipment expense
  • $12,501Additional noninterest expense
  • $63,474Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $63,474Income before extraordinary items
  • $0Extraordinary gains - net
  • $63,474Net income attributable to bank
  • $0Net charge-offs
  • $63,474Cash dividends
  • $4,754Sale, conversion, retirement of capital stock, net
  • $41,068Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.69%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 2.52%Net interest margin
  • 3.99%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 2.94%Net operating income to assets
  • 2.94%Return on assets (ROA)
  • 2.94%Pretax return on assets
  • 38.21%Return on equity (ROE)
  • 13.49%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 292.03%Credit loss provision to net charge-offs
  • 16.27%Efficiency ratio
  • 36,873Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.70%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 134.38%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 1.24%Net loans and leases to deposits
  • 82.97%Net loans and leases to core deposits
  • 85.17%Equity capital to assets
  • 8.05%Core capital (leverage) ratio
  • 7.79%Tier 1 risk-based capital ratio
  • 13.34%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,161,140Average earning assets
  • $166,115Average equity
  • $1,880,753Average loans

List of branches

  • 2 Indiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    115463853Indianapolis Branch5881 E. 82nd St, Indianapolis, IN 46250April 30, 2004Full Service Brick and Mortar
    124492492Bloomington Branch2237 South Curry Pike, Bloomington, IN 47403June 09, 2008Full Service Brick and Mortar
  • 23 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    045130Union Savings Bank8534 East Kemper Road, Cincinnati, OH 45249March 01, 1904Full Service Brick and Mortar
    1022874616710 Hamilton Ave Branch6710 Hamilton Ave., Cincinnati, OH 45224June 30, 1988Full Service Brick and Mortar
    103287462Loveland Branch510 West Loveland Avenue, Loveland, OH 45140November 01, 1989Full Service Brick and Mortar
    104287463Reynoldsburg Branch1320 Brice Road, Reynoldsburg, OH 43068Febuary 14, 1994Full Service Brick and Mortar
    105287464Green Township Branch6393 Glenway Ave., Western Hills, OH 45211July 28, 1994Full Service Brick and Mortar
    106287465Kettering Branch3131 Wilmington Pike, Kettering, OH 45429October 31, 1994Full Service Brick and Mortar
    107287466Plainfield Road Branch8320 Plainfield Road, Cincinnati, OH 45236January 21, 1993Full Service Brick and Mortar
    108287467Washington Township Branch5651 Far Hills Avenue, Dayton, OH 45429January 16, 1996Full Service Brick and Mortar
    109287468Englewood Branch525 West National Road, Englewood, OH 45322April 29, 1997Full Service Brick and Mortar
    110287469Columbus Branch1330 Morse Road, Columbus, OH 43229September 03, 1997Full Service Brick and Mortar
    111287470Main Street Branch1225 Main Street, Hamilton, OH 45013April 15, 1998Full Service Brick and Mortar
    1132874711654 East Main Street Branch1654 East Main Street, Lancaster, OH 43130March 16, 1999Full Service Brick and Mortar
    114359446Beechmont Avenue Branch2137 Beechmont Avenue, Cincinnati, OH 45230March 01, 2001Full Service Brick and Mortar
    116463854Fairfield Branch721 Wessel Dr., Fairfield, OH 45014October 08, 2002Full Service Brick and Mortar
    117463855Eastgate Branch843 Eastgate S. Dr, Cincinnati, OH 45245Febuary 27, 2006Full Service Brick and Mortar
    118463856Grove City Branch4090 Hoover Rd., Grove City, OH 43123June 25, 2004Full Service Brick and Mortar
    119463857Upper Arlington Branch3250 Northwest Blvd., Upper Arlington, OH 43221April 03, 2006Full Service Brick and Mortar
    120463858Westerville Branch44 S. State St., Westerville, OH 43081March 14, 2003Full Service Brick and Mortar
    121463860Fairborn Branch2794 Colonel Glenn Hwy., Fairborn, OH 45324January 23, 2006Full Service Brick and Mortar
    122463863Hyde Park Branch2691 Madison Rd., Cincinnati, OH 45208June 25, 2004Full Service Brick and Mortar
    123464445Dublin Branch3550 W. Dublin Granville, Columbus, OH 43235January 17, 2000Full Service Brick and Mortar
    125496006Weston Rd Branch14 S Weston Rd, Troy, OH 45373January 16, 2009Full Service Brick and Mortar
    126496007Franklin Branch1040 E Second St, Franklin, OH 45005April 06, 2007Full Service Brick and Mortar

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