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


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

  • General
  • FDIC Certificate #: 27946
    Status: Active
    Federal Reserve ID: 565974
    Date Established: January 01, 1911
    WWW: http://www.cheviotsavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 597
    FDIC's unique #: 40780
    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: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 05, 1983
    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: 3723 Glenmore Ave, Cincinnati, OH 45211
    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: $616.5 mil
    Equity capital: $71.9 mil
    Deposits held in domestic offices: $507.8 mil
    Return on assets (ROA): 0.67% ($4.1 mil)
    Quarterly return on assets: 0.74% ($4.6 mil)
    Return on Equity (ROE): 5.56% ($4.0 mil)
    Quarterly return on equity: 6.34% ($4.6 mil)
    Net income: $3.7 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.92% ($5,671.5 mil)
    Quarterly Pretax return on assets: 1.08% ($6,657.8 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
  • 112Total employees (full-time equivalent)
  • $616,463Total assets
  • $27,082Cash and due from depository institutions
  • $16,098Interest-bearing balances
  • $131,167Securities
  • $18,019Federal funds sold & reverse repurchase agreements
  • $385,011Net loans & leases
  • $1,447Loan loss allowance
  • $0Trading account assets
  • $10,200Bank premises and fixed assets
  • $3,795Other real estate owned
  • $12,405Goodwill and other intangibles
  • $616,463Life insurance assets
  • $28,784All other assets
  • $544,559Total liabilities and capital
  • $507,818Total liabilities
  • $478,639Total deposits
  • $507,818Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,159Trading liabilities
  • $0Other borrowed funds
  • $4,582Subordinated debt
  • $71,904All other liabilities
  • $71,904Total equity capital
  • $71,904Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $49,603Surplus
  • $22,261Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,240Income earned, not collected on loans
  • $0Earning assets
  • $2,140Long-term assets (5+ years)
  • $550,295Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $555,254Volatile liabilities
  • $608,638Insider loans
  • $327,826FHLB advances
  • $604,598Loans and leases held for sale
  • $10,330Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $60,182Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,877Restructured Loans and leases
  • $1,368Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,841Total interest income
  • $6,024Total interest expense
  • $15,817Net interest income
  • $700Provision for loan and lease losses
  • $3,094Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,094Additional noninterest income
  • $13,130Total noninterest expense
  • $6,421Salaries and employee benefits
  • $2,079Premises and equipment expense
  • $4,630Additional noninterest expense
  • $5,081Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,344Applicable income taxes
  • $3,737Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,737Net income attributable to bank
  • $0Net charge-offs
  • $3,737Cash dividends
  • -$69Sale, conversion, retirement of capital stock, net
  • $15,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.17%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 5.56%Return on equity (ROE)
  • -16.76%Retained earnings to average equity (YTD only)
  • -0.02%Net charge-offs to loans
  • -1014.49%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,955Assets per employee
  • 5.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 401.39%Loss allowance to loans
  • 0.37%Loss allowance to noncurrent loans
  • 11.82%Noncurrent assets plus other real estate owned to assets
  • 2.60%Noncurrent loans to loans
  • 3.17%Net loans and leases to deposits
  • 75.82%Net loans and leases to core deposits
  • 84.62%Equity capital to assets
  • 11.66%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 18.36%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $555,254Average earning assets
  • $67,205Average equity
  • $499,239Average loans

List of branches

  • 13 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    040780Cheviot Savings Bank3723 Glenmore Ave, Cincinnati, OH 45211January 01, 1911Full Service Brick and Mortar
    101409465550 Cheviot Road Branch5550 Cheviot Road, Cincinnati, OH 45239January 01, 1905Full Service Brick and Mortar
    102264243Bridgetown Road Branch6060 Bridgetown Rd., Cincinnati, OH 45248March 01, 1991Full Service Brick and Mortar
    103264244Harrison Branch1194 Stone Drive, Harrison, OH 45030July 17, 1997Full Service Brick and Mortar
    105464078Anderson Feery Hamilton Branch585 Anderson Feery Road, Cincinnati, OH 45238May 22, 2006Full Service Brick and Mortar
    106495958Harrison Ave Branch7072 Harrison Ave, Cincinnati, OH 45247December 11, 2006Full Service Brick and Mortar
    10741502Franklin Cincinnati Branch4750 Ashwood Drive, Cincinnati, OH 45241January 01, 1883Limited Service Loan Production
    108269791Roselawn Branch7615 Reading Rd, Cincinnati, OH 45237January 01, 1883Full Service Brick and Mortar
    109269792Forest Park Branch1100 W Kemper Rd, Cincinnati, OH 45240January 01, 1883Full Service Brick and Mortar
    110269793Western Hills Branch5791 Glenway Ave, Cincinnati, OH 45238January 01, 1883Full Service Brick and Mortar
    111269794Sharonville Branch11186 Reading Rd, Cincinnati, OH 45241January 01, 1883Full Service Brick and Mortar
    113464435Anderson Branch7944 Beechmont Avenue, Cincinnati, OH 45255Febuary 26, 2001Full Service Brick and Mortar
    114464436O'bryonville Branch2000 Madison Road, Cincinnati, OH 45208June 30, 2004Full Service Brick and Mortar

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