Benchmark Federal Savings Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 11, 1999

  • Benchmark Federal Savings Bank in Cincinnati, Ohio (OH)
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Benchmark Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 27966
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Winton Savings and Loan Company (#30799)
    Federal Reserve ID: 568573
    Date Established: January 01, 1907
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 642
    FDIC's unique #: 40800
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: December 11, 1935
    Last Structure Change Effective Date: June 11, 1999
    Last Structure Change Process Date: July 27, 1999
    Last Data Update: July 27, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 W Central Parkway, Cincinnati, OH 45202
    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: $54.4 mil

1992 - 1999 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, 1998)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $55,248Total assets
  • $1,590Cash and due from depository institutions
  • $726Interest-bearing balances
  • $3,644Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $47,616Net loans & leases
  • $53Loan loss allowance
  • $0Trading account assets
  • $867Bank premises and fixed assets
  • $0Other real estate owned
  • $51Goodwill and other intangibles
  • $0Life insurance assets
  • $980All other assets
  • $55,248Total liabilities and capital
  • $51,734Total liabilities
  • $40,446Total deposits
  • $40,024Interest-bearing deposits
  • $40,446Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,120Other borrowed funds
  • $0Subordinated debt
  • $168All other liabilities
  • $3,514Total equity capital
  • $3,514Total bank equity capital
  • $3,514Perpetual preferred stock
  • $0Common stock
  • $112Surplus
  • $933Undivided profits
  • Memoranda
  • $2,469Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $88Earning assets
  • $0Long-term assets (5+ years)
  • $229Average Assets, year-to-date
  • $52,486Average Assets, quarterly
  • $0Volatile liabilities
  • $52,450Insider loans
  • $54,979FHLB advances
  • $15,219Loans and leases held for sale
  • $888Unused loan commitments
  • $11,120Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,668Total unused commitments
  • $0Restructured Loans and leases
  • $27,531Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $3,723Total interest income
  • $2,437Total interest expense
  • $1,286Net interest income
  • $26Provision for loan and lease losses
  • $102Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $102Additional noninterest income
  • $1,216Total noninterest expense
  • $653Salaries and employee benefits
  • $295Premises and equipment expense
  • $268Additional noninterest expense
  • $146Pre-tax net operating income
  • $0Securities gains (losses)
  • $38Applicable income taxes
  • $108Income before extraordinary items
  • $0Extraordinary gains - net
  • $108Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $25Sale, conversion, retirement of capital stock, net
  • $56Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.47%Yield on earning assets
  • 4.89%Cost of funding earning assets
  • 2.58%Net interest margin
  • 0.20%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.21%Return on assets (ROA)
  • 0.28%Pretax return on assets
  • 3.13%Return on equity (ROE)
  • 1.51%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 104.00%Credit loss provision to net charge-offs
  • 6.88%Efficiency ratio
  • 87,608Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.85%Loss allowance to loans
  • 0.11%Loss allowance to noncurrent loans
  • 60.23%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 117.73%Net loans and leases to core deposits
  • 131.00%Equity capital to assets
  • 6.36%Core capital (leverage) ratio
  • 6.36%Tier 1 risk-based capital ratio
  • 12.76%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $52,450Average earning assets
  • $3,446Average equity
  • $49,843Average loans

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