Home Savings Bank, FSB in Ludlow, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Home Savings Bank, FSB in Ludlow, Kentucky (KY)
  • Show street view No street view available for this location

Home Savings Bank, FSB - Overview

  • General
  • FDIC Certificate #: 31723
    Status: Active
    Federal Reserve ID: 33370
    Date Established: January 01, 1941
    WWW: http://www.homesavingsbanknky.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 7384
    FDIC's unique #: 44557
    Numeric code: 38
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 10, 1975
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 202 Elm Street, Ludlow, KY 41016
    County: Kenton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $32.6 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $25.6 mil
    Return on assets (ROA): -0.91% (-$0.3 mil)
    Quarterly return on assets: -0.83% (-$0.3 mil)
    Return on Equity (ROE): -7.27% (-$0.3 mil)
    Quarterly return on equity: -6.72% (-$0.3 mil)
    Net income: -$0.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.87% (-$283.8 mil)
    Quarterly Pretax return on assets: -0.83% (-$270.7 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, 2011)

  • Dollar figures in thousands
  • 7Total employees (full-time equivalent)
  • $32,618Total assets
  • $2,264Cash and due from depository institutions
  • $1,212Interest-bearing balances
  • $10,666Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $17,923Net loans & leases
  • $187Loan loss allowance
  • $0Trading account assets
  • $165Bank premises and fixed assets
  • $890Other real estate owned
  • $0Goodwill and other intangibles
  • $32,618Life insurance assets
  • $710All other assets
  • $28,430Total liabilities and capital
  • $25,600Total liabilities
  • $25,506Total deposits
  • $25,600Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,784Trading liabilities
  • $0Other borrowed funds
  • $46Subordinated debt
  • $4,188All other liabilities
  • $4,188Total equity capital
  • $4,188Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,188Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $195Income earned, not collected on loans
  • $0Earning assets
  • $168Long-term assets (5+ years)
  • $29,801Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $35,018Volatile liabilities
  • $34,045Insider loans
  • $17,418FHLB advances
  • $32,618Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,188Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,364Restructured Loans and leases
  • $466Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,583Total interest income
  • $579Total interest expense
  • $1,004Net interest income
  • $24Provision for loan and lease losses
  • $119Total noninterest income
  • $0Fiduciary activities
  • $7Service charges on deposit accounts
  • $0Trading account gains & fees
  • $112Additional noninterest income
  • $1,404Total noninterest expense
  • $579Salaries and employee benefits
  • $192Premises and equipment expense
  • $633Additional noninterest expense
  • -$305Pre-tax net operating income
  • $0Securities gains (losses)
  • $15Applicable income taxes
  • -$320Income before extraordinary items
  • $0Extraordinary gains - net
  • -$320Net income attributable to bank
  • $0Net charge-offs
  • -$320Cash dividends
  • $90Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.84%Cost of funding earning assets
  • 3.18%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 4.45%Noninterest expense to earning assets
  • -0.91%Net operating income to assets
  • -0.91%Return on assets (ROA)
  • -0.87%Pretax return on assets
  • -7.27%Return on equity (ROE)
  • -7.27%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 26.67%Credit loss provision to net charge-offs
  • -3.12%Efficiency ratio
  • 125,022Assets per employee
  • 4.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 95.90%Noncurrent assets plus other real estate owned to assets
  • 3.33%Noncurrent loans to loans
  • 1.08%Net loans and leases to deposits
  • 70.01%Net loans and leases to core deposits
  • 73.40%Equity capital to assets
  • 12.84%Core capital (leverage) ratio
  • 12.84%Tier 1 risk-based capital ratio
  • 24.04%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $35,018Average earning assets
  • $4,403Average equity
  • $31,548Average loans

List of branches

  • 1 Kentucky Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044557Home Savings Bank, Fsb202 Elm Street, Ludlow, KY 41016January 01, 1941Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Home Savings Bank, FSB.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents