Cuyahoga Savings Association in Cleveland, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 16, 1998

  • Cuyahoga Savings Association in Cleveland, Ohio (OH)
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Cuyahoga Savings Association - Overview

  • General
  • FDIC Certificate #: 28345
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Charter One Bank, National Association (#28932)
    Federal Reserve ID: 67179
    Date Established: January 01, 1893
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1406
    FDIC's unique #: 41179
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 11, 1935
    Last Structure Change Effective Date: October 16, 1998
    Last Structure Change Process Date: Febuary 18, 1999
    Last Data Update: Febuary 18, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: One Erieview Plaza, Cleveland, OH 44114
    County: Cuyahoga
    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): Cleveland-Lorain-Elyria, OH (#1680)
    Consolidated Metropolitan Statistical Area (CMSA): Cleveland-Akron, OH (#28)
    Combined Statistical Area (CSA): Cleveland-Akron-Elyria, OH (#184)
    Core Based Statistical Area (CBSA): Cleveland-Elyria-Mentor, OH (#17460)
    CBSA Metro Statistical Area: Cleveland-Elyria-Mentor, OH (#17460)
  • Financial Summary
  • Total assets: $393.0 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 107Total employees (full-time equivalent)
  • $379,131Total assets
  • $16,173Cash and due from depository institutions
  • $14,658Interest-bearing balances
  • $3,181Securities
  • $1,975Federal funds sold & reverse repurchase agreements
  • $336,104Net loans & leases
  • $998Loan loss allowance
  • $0Trading account assets
  • $14,215Bank premises and fixed assets
  • $85Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $7,398All other assets
  • $379,131Total liabilities and capital
  • $350,818Total liabilities
  • $330,869Total deposits
  • $328,402Interest-bearing deposits
  • $330,869Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $17,063Other borrowed funds
  • $0Subordinated debt
  • $2,886All other liabilities
  • $28,313Total equity capital
  • $28,313Total bank equity capital
  • $28,313Perpetual preferred stock
  • $0Common stock
  • $265Surplus
  • $0Undivided profits
  • Memoranda
  • $28,048Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,224Earning assets
  • $0Long-term assets (5+ years)
  • $709Average Assets, year-to-date
  • $355,918Average Assets, quarterly
  • $0Volatile liabilities
  • $367,315Insider loans
  • $376,935FHLB advances
  • $46,390Loans and leases held for sale
  • $384Unused loan commitments
  • $17,063Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,728Total unused commitments
  • $0Restructured Loans and leases
  • $207,569Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $26,983Total interest income
  • $16,852Total interest expense
  • $10,131Net interest income
  • $231Provision for loan and lease losses
  • $1,950Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,950Additional noninterest income
  • $8,023Total noninterest expense
  • $4,612Salaries and employee benefits
  • $1,687Premises and equipment expense
  • $1,724Additional noninterest expense
  • $3,827Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,297Applicable income taxes
  • $2,530Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,530Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $50Sale, conversion, retirement of capital stock, net
  • $371Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.83%Yield on earning assets
  • 4.89%Cost of funding earning assets
  • 2.94%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 9.36%Return on equity (ROE)
  • 7.99%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 462.00%Credit loss provision to net charge-offs
  • 81.16%Efficiency ratio
  • 66,410Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.66%Loss allowance to loans
  • 0.30%Loss allowance to noncurrent loans
  • 23.63%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 1.25%Net loans and leases to deposits
  • 101.58%Net loans and leases to core deposits
  • 111.46%Equity capital to assets
  • 7.47%Core capital (leverage) ratio
  • 7.47%Tier 1 risk-based capital ratio
  • 13.64%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $367,315Average earning assets
  • $27,028Average equity
  • $344,670Average loans

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