Miami Savings Bank in Miamitown, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Miami Savings Bank in Miamitown, Ohio (OH)
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Miami Savings Bank - Overview

  • General
  • FDIC Certificate #: 32293
    Status: Active
    Federal Reserve ID: 367178
    Date Established: December 27, 1909
    WWW: http://www.miamisavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 8104
    FDIC's unique #: 45127
    Numeric code: 36
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 26, 1985
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 8008 Ferry Street, Miamitown, OH 45041
    County: Hamilton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    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
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $115.4 mil
    Equity capital: $13.8 mil
    Deposits held in domestic offices: $101.0 mil
    Return on assets (ROA): 0.45% ($0.5 mil)
    Quarterly return on assets: 0.54% ($0.6 mil)
    Return on Equity (ROE): 3.89% ($0.5 mil)
    Quarterly return on equity: 4.55% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.63% ($726.7 mil)
    Quarterly Pretax return on assets: 0.76% ($876.7 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
  • 23Total employees (full-time equivalent)
  • $115,353Total assets
  • $23,978Cash and due from depository institutions
  • $20,502Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,712Net loans & leases
  • $894Loan loss allowance
  • $0Trading account assets
  • $798Bank premises and fixed assets
  • $868Other real estate owned
  • $170Goodwill and other intangibles
  • $115,353Life insurance assets
  • $4,827All other assets
  • $101,570Total liabilities and capital
  • $100,963Total liabilities
  • $92,388Total deposits
  • $100,963Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $607Subordinated debt
  • $13,783All other liabilities
  • $13,783Total equity capital
  • $13,783Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $13,783Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,241Income earned, not collected on loans
  • $0Earning assets
  • $264Long-term assets (5+ years)
  • $105,214Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $116,497Volatile liabilities
  • $115,577Insider loans
  • $73,298FHLB advances
  • $115,183Loans and leases held for sale
  • $3,394Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,613Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,373Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,639Total interest income
  • $1,459Total interest expense
  • $3,180Net interest income
  • $310Provision for loan and lease losses
  • $337Total noninterest income
  • $0Fiduciary activities
  • $95Service charges on deposit accounts
  • $0Trading account gains & fees
  • $242Additional noninterest income
  • $2,471Total noninterest expense
  • $1,408Salaries and employee benefits
  • $401Premises and equipment expense
  • $662Additional noninterest expense
  • $736Pre-tax net operating income
  • $0Securities gains (losses)
  • $210Applicable income taxes
  • $526Income before extraordinary items
  • $0Extraordinary gains - net
  • $526Net income attributable to bank
  • $0Net charge-offs
  • $526Cash dividends
  • $247Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.48%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 2.39%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 3.89%Return on equity (ROE)
  • 3.89%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 125.51%Credit loss provision to net charge-offs
  • 4.23%Efficiency ratio
  • 70,259Assets per employee
  • 5.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 72.04%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 83.90%Net loans and leases to core deposits
  • 98.68%Equity capital to assets
  • 11.95%Core capital (leverage) ratio
  • 11.82%Tier 1 risk-based capital ratio
  • 18.57%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $116,497Average earning assets
  • $13,509Average equity
  • $103,476Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045127Miami Savings Bank8008 Ferry Street, Miamitown, OH 45041December 27, 1909Full Service Brick and Mortar
    101287458State Street Branch444 South State Street, Harrison, OH 45030Febuary 21, 1995Full Service Brick and Mortar
    102496005Oxford Branch475 Mcguffey Avenue, Oxford, OH 45056August 23, 1999Full Service Brick and Mortar

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