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

This bank is inactive as of March 29, 2000

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

  • General
  • FDIC Certificate #: 28137
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Peoples Community Bank (#32288)
    Federal Reserve ID: 997070
    Date Established: January 01, 1879
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 969
    FDIC's unique #: 40971
    Numeric code: 41
    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: Febuary 04, 1957
    Last Structure Change Effective Date: March 29, 2000
    Last Structure Change Process Date: May 15, 2000
    Last Data Update: May 15, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 3621 Harrison Avenue, Cheviot, OH 45211
    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: $99.4 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, 1999)

  • Dollar figures in thousands
  • 17Total employees (full-time equivalent)
  • $99,374Total assets
  • $1,735Cash and due from depository institutions
  • $239Interest-bearing balances
  • $40,191Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $55,430Net loans & leases
  • $142Loan loss allowance
  • $0Trading account assets
  • $1,215Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $703All other assets
  • $99,374Total liabilities and capital
  • $89,968Total liabilities
  • $64,721Total deposits
  • $64,721Interest-bearing deposits
  • $64,721Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $24,950Other borrowed funds
  • $0Subordinated debt
  • $297All other liabilities
  • $9,406Total equity capital
  • $9,406Total bank equity capital
  • $9,406Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $4,259Undivided profits
  • Memoranda
  • $5,146Noncurrent loans and leases
  • $6,146Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $292Earning assets
  • $0Long-term assets (5+ years)
  • $259Average Assets, year-to-date
  • $95,960Average Assets, quarterly
  • $44,546Volatile liabilities
  • $98,909Insider loans
  • $99,003FHLB advances
  • $21,863Loans and leases held for sale
  • $88Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,146Total unused commitments
  • $0Restructured Loans and leases
  • $142Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $6,538Total interest income
  • $4,211Total interest expense
  • $2,327Net interest income
  • $12Provision for loan and lease losses
  • $99Total noninterest income
  • $0Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • $14Additional noninterest income
  • $1,564Total noninterest expense
  • $905Salaries and employee benefits
  • $143Premises and equipment expense
  • $516Additional noninterest expense
  • $850Pre-tax net operating income
  • $0Securities gains (losses)
  • $289Applicable income taxes
  • $561Income before extraordinary items
  • $0Extraordinary gains - net
  • $561Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.84%Yield on earning assets
  • 4.40%Cost of funding earning assets
  • 2.43%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 1.64%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 6.01%Return on equity (ROE)
  • 2.80%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,468Assets per employee
  • 5.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 53.48%Loss allowance to loans
  • 0.26%Loss allowance to noncurrent loans
  • 48.63%Noncurrent assets plus other real estate owned to assets
  • 0.29%Noncurrent loans to loans
  • 0.53%Net loans and leases to deposits
  • 85.64%Net loans and leases to core deposits
  • 91.68%Equity capital to assets
  • 9.47%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 22.45%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $98,909Average earning assets
  • $9,327Average equity
  • $95,631Average loans

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