Mt Washington Savings Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Mt Washington Savings Bank in Cincinnati, Ohio (OH)
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Mt Washington Savings Bank - Overview

  • General
  • FDIC Certificate #: 27968
    Status: Active
    Federal Reserve ID: 445777
    Date Established: January 01, 1886
    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 #: 644
    FDIC's unique #: 40802
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: May 07, 1951
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: March 07, 2012
    Last Data Update: March 07, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2110 Beechmont Ave, Cincinnati, OH 45230
    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
  • Name Change
    Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $84.1 mil
    Equity capital: $14.8 mil
    Deposits held in domestic offices: $62.1 mil
    Return on assets (ROA): -0.02% (-$0.0 mil)
    Quarterly return on assets: -0.33% (-$0.3 mil)
    Return on Equity (ROE): -0.09% (-$0.0 mil)
    Quarterly return on equity: -1.86% (-$0.3 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.08% (-$67.3 mil)
    Quarterly Pretax return on assets: -0.61% (-$513.2 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
  • 10Total employees (full-time equivalent)
  • $84,132Total assets
  • $9,758Cash and due from depository institutions
  • $9,677Interest-bearing balances
  • $6,587Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,264Net loans & leases
  • $613Loan loss allowance
  • $0Trading account assets
  • $192Bank premises and fixed assets
  • $716Other real estate owned
  • $0Goodwill and other intangibles
  • $84,132Life insurance assets
  • $4,615All other assets
  • $69,329Total liabilities and capital
  • $62,058Total liabilities
  • $62,058Total deposits
  • $62,058Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,458Trading liabilities
  • $0Other borrowed funds
  • $813Subordinated debt
  • $14,803All other liabilities
  • $14,803Total equity capital
  • $14,803Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $14,803Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,571Income earned, not collected on loans
  • $0Earning assets
  • $218Long-term assets (5+ years)
  • $78,528Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $78,436Volatile liabilities
  • $84,433Insider loans
  • $44,733FHLB advances
  • $84,058Loans and leases held for sale
  • $2,756Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,729Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $199Restructured Loans and leases
  • $1,416Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,659Total interest income
  • $1,225Total interest expense
  • $2,434Net interest income
  • $408Provision for loan and lease losses
  • $75Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $75Additional noninterest income
  • $2,157Total noninterest expense
  • $947Salaries and employee benefits
  • $108Premises and equipment expense
  • $1,102Additional noninterest expense
  • -$56Pre-tax net operating income
  • -$9Securities gains (losses)
  • -$51Applicable income taxes
  • -$14Income before extraordinary items
  • $0Extraordinary gains - net
  • -$14Net income attributable to bank
  • $0Net charge-offs
  • -$14Cash dividends
  • $275Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.68%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.10%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • -0.02%Return on assets (ROA)
  • -0.08%Pretax return on assets
  • -0.09%Return on equity (ROE)
  • -0.09%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 148.36%Credit loss provision to net charge-offs
  • 1.28%Efficiency ratio
  • 85,971Assets per employee
  • 8.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 23.84%Noncurrent assets plus other real estate owned to assets
  • 3.91%Noncurrent loans to loans
  • 4.09%Net loans and leases to deposits
  • 100.33%Net loans and leases to core deposits
  • 104.97%Equity capital to assets
  • 17.59%Core capital (leverage) ratio
  • 17.52%Tier 1 risk-based capital ratio
  • 32.93%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $78,436Average earning assets
  • $14,765Average equity
  • $73,020Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040802Mt Washington Savings Bank2110 Beechmont Ave, Cincinnati, OH 45230January 01, 1886Full Service Brick and Mortar

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