First Savings Bank in Norwood, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 27, 2004

  • First Savings Bank in Norwood, Ohio (OH)
  • Show street view No street view available for this location

First Savings Bank - Overview

  • General
  • FDIC Certificate #: 27736
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bramble Savings Bank (#27808)
    Federal Reserve ID: 225773
    Date Established: January 01, 1904
    WWW: http://www.1stsavingsbank.com
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 199
    FDIC's unique #: 40570
    Numeric code: 42
    Regulator: FDIC
    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: October 21, 1955
    Last Structure Change Effective Date: March 27, 2004
    Last Structure Change Process Date: April 02, 2004
    Last Data Update: April 02, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 4600 Montgomery Road, Suite 102, Norwood, OH 45212
    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: $25.0 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, 2003)

  • Dollar figures in thousands
  • 13Total employees (full-time equivalent)
  • $24,973Total assets
  • $1,976Cash and due from depository institutions
  • $1,213Interest-bearing balances
  • $10Securities
  • $2,144Federal funds sold & reverse repurchase agreements
  • $19,681Net loans & leases
  • $192Loan loss allowance
  • $0Trading account assets
  • $106Bank premises and fixed assets
  • $122Other real estate owned
  • $144Goodwill and other intangibles
  • $0Life insurance assets
  • $790All other assets
  • $24,973Total liabilities and capital
  • $23,990Total liabilities
  • $23,832Total deposits
  • $21,985Interest-bearing deposits
  • $23,832Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $158All other liabilities
  • $983Total equity capital
  • $983Total bank equity capital
  • $983Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $983Noncurrent loans and leases
  • $760Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $574Earning assets
  • $0Long-term assets (5+ years)
  • $143Average Assets, year-to-date
  • $23,048Average Assets, quarterly
  • $1,800Volatile liabilities
  • $26,391Insider loans
  • $24,857FHLB advances
  • $1,964Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $760Total unused commitments
  • $260Restructured Loans and leases
  • $164Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $1,244Total interest income
  • $468Total interest expense
  • $776Net interest income
  • $18Provision for loan and lease losses
  • $108Total noninterest income
  • $0Fiduciary activities
  • $32Service charges on deposit accounts
  • $0Trading account gains & fees
  • $76Additional noninterest income
  • $1,813Total noninterest expense
  • $563Salaries and employee benefits
  • $233Premises and equipment expense
  • $1,017Additional noninterest expense
  • -$947Pre-tax net operating income
  • $0Securities gains (losses)
  • -$160Applicable income taxes
  • -$787Income before extraordinary items
  • $0Extraordinary gains - net
  • -$787Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $36Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 1.97%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 7.62%Noninterest expense to earning assets
  • -2.98%Net operating income to assets
  • -2.98%Return on assets (ROA)
  • -3.59%Pretax return on assets
  • -57.07%Return on equity (ROE)
  • -57.07%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 50.00%Credit loss provision to net charge-offs
  • -25.81%Efficiency ratio
  • 203,281Assets per employee
  • 1.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 33.45%Noncurrent assets plus other real estate owned to assets
  • 2.79%Noncurrent loans to loans
  • 2.89%Net loans and leases to deposits
  • 82.58%Net loans and leases to core deposits
  • 90.00%Equity capital to assets
  • 3.94%Core capital (leverage) ratio
  • 3.71%Tier 1 risk-based capital ratio
  • 7.06%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $26,391Average earning assets
  • $1,379Average equity
  • $23,778Average loans

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