Home Bank, F.S.B. in Lakewood, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 20, 1997

  • Home Bank, F.S.B. in Lakewood, Ohio (OH)
  • Show street view No street view available for this location

Home Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 29558
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Charter One Bank, National Association (#28932)
    Federal Reserve ID: 192473
    Date Established: January 01, 1911
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3664
    FDIC's unique #: 42392
    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: June 18, 1936
    Last Structure Change Effective Date: September 20, 1997
    Last Structure Change Process Date: October 07, 1997
    Last Data Update: October 07, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 14650 Detroit Avenue, Lakewood, OH 44107
    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: $345.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $105Total assets
  • $345,734Cash and due from depository institutions
  • $5,590Interest-bearing balances
  • $3,807Securities
  • $31,801Federal funds sold & reverse repurchase agreements
  • $2,822Net loans & leases
  • $294,011Loan loss allowance
  • $2,922Trading account assets
  • $0Bank premises and fixed assets
  • $4,176Other real estate owned
  • $0Goodwill and other intangibles
  • $7,122Life insurance assets
  • $212All other assets
  • $0Total liabilities and capital
  • $345,734Total liabilities
  • $321,864Total deposits
  • $289,615Interest-bearing deposits
  • $279,576Deposits held in domestic offices
  • 289615.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $30,114Subordinated debt
  • $0All other liabilities
  • $2,135Total equity capital
  • $2,135Total bank equity capital
  • $23,870Perpetual preferred stock
  • $0Common stock
  • $12Surplus
  • $8,016Undivided profits
  • Memoranda
  • $15,842Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,532Income earned, not collected on loans
  • $1,924Earning assets
  • $332,441Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $344,227Average Assets, quarterly
  • $347,629Volatile liabilities
  • $84,049Insider loans
  • $2,432FHLB advances
  • $30,000Loans and leases held for sale
  • $0Unused loan commitments
  • $75,494Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $24,029Total risk weighted assets
  • $243,536Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $27,014Total interest expense
  • $14,743Net interest income
  • $12,271Provision for loan and lease losses
  • $308Total noninterest income
  • $2,133Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,133Total noninterest expense
  • $11,511Salaries and employee benefits
  • $4,120Premises and equipment expense
  • $2,483Additional noninterest expense
  • $4,908Pre-tax net operating income
  • $2,585Securities gains (losses)
  • $0Applicable income taxes
  • $777Income before extraordinary items
  • $1,808Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,808Net charge-offs
  • $121Cash dividends
  • $1,400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.18%Cost of funding earning assets
  • 4.46%Net interest margin
  • 3.71%Noninterest income to earning assets
  • 0.65%Noninterest expense to earning assets
  • 3.48%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 0.75%Return on equity (ROE)
  • 7.62%Retained earnings to average equity (YTD only)
  • 1.72%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 254.55%Efficiency ratio
  • 78,895Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.43%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 186.49%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.52%Net loans and leases to deposits
  • 101.52%Net loans and leases to core deposits
  • 124.75%Equity capital to assets
  • 6.90%Core capital (leverage) ratio
  • 6.95%Tier 1 risk-based capital ratio
  • 9.87%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $344,227Average earning assets
  • $23,725Average equity
  • $330,403Average loans

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