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

This bank is inactive as of Febuary 02, 1994

  • Highland Federal Savings Bank in Cincinnati, Ohio (OH)
  • Show street view No street view available for this location

Highland Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 27893
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Home Federal Bank, a Federal Savings Bank (#28308)
    Federal Reserve ID: 611273
    Date Established: January 01, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 494
    FDIC's unique #: 40727
    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 26, 1935
    Last Structure Change Effective Date: Febuary 02, 1994
    Last Structure Change Process Date: Febuary 24, 1994
    Last Data Update: Febuary 24, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 7521 Hamilton Avenue, Cincinnati, OH 45231
    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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $53.4 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $16Total assets
  • $53,402Cash and due from depository institutions
  • $4,710Interest-bearing balances
  • $4,016Securities
  • $5,678Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $41,470Loan loss allowance
  • $105Trading account assets
  • $0Bank premises and fixed assets
  • $398Other real estate owned
  • $258Goodwill and other intangibles
  • $888Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $53,402Total liabilities
  • $47,958Total deposits
  • $43,621Interest-bearing deposits
  • $43,621Deposits held in domestic offices
  • 43621.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,983Subordinated debt
  • $0All other liabilities
  • $354Total equity capital
  • $354Total bank equity capital
  • $5,444Perpetual preferred stock
  • $0Common stock
  • $181Surplus
  • $1,407Undivided profits
  • Memoranda
  • $3,856Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $135Income earned, not collected on loans
  • $204Earning assets
  • $51,164Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $52,779Average Assets, quarterly
  • $53,643Volatile liabilities
  • $6,916Insider loans
  • $604FHLB advances
  • $3,983Loans and leases held for sale
  • $0Unused loan commitments
  • $1,264Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,444Total risk weighted assets
  • $28,612Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,800Total interest expense
  • $2,010Net interest income
  • $1,790Provision for loan and lease losses
  • $0Total noninterest income
  • $156Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $156Total noninterest expense
  • $1,560Salaries and employee benefits
  • $598Premises and equipment expense
  • $204Additional noninterest expense
  • $758Pre-tax net operating income
  • $386Securities gains (losses)
  • $26Applicable income taxes
  • $175Income before extraordinary items
  • $237Extraordinary gains - net
  • $0Net income attributable to bank
  • $237Net charge-offs
  • $0Cash dividends
  • $154Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.48%Cost of funding earning assets
  • 3.96%Net interest margin
  • 3.52%Noninterest income to earning assets
  • 0.31%Noninterest expense to earning assets
  • 3.07%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.45%Pretax return on assets
  • 0.78%Return on equity (ROE)
  • 4.30%Retained earnings to average equity (YTD only)
  • 1.51%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,164Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.98%Loss allowance to loans
  • 0.25%Loss allowance to noncurrent loans
  • 77.78%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 95.07%Net loans and leases to core deposits
  • 101.92%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 10.19%Tier 1 risk-based capital ratio
  • 19.03%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $52,779Average earning assets
  • $5,508Average equity
  • $50,806Average loans

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