New Foundation Savings Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • New Foundation Savings Bank in Cincinnati, Ohio (OH)
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New Foundation Savings Bank - Overview

  • General
  • FDIC Certificate #: 32306
    Status: Active
    Federal Reserve ID: 918776
    Date Established: October 28, 1891
    WWW: http://www.newfoundationsavingsbank.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 #: 8122
    FDIC's unique #: 45140
    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: April 12, 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: 8249 Clara Avenue, Cincinnati, OH 45239
    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: $21.2 mil
    Equity capital: $1.7 mil
    Deposits held in domestic offices: $17.1 mil
    Return on assets (ROA): 0.11% ($0.0 mil)
    Quarterly return on assets: 0.12% ($0.0 mil)
    Return on Equity (ROE): 1.31% ($0.0 mil)
    Quarterly return on equity: 1.42% ($0.0 mil)
    Net income: $0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.13% ($27.6 mil)
    Quarterly Pretax return on assets: 0.12% ($25.4 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
  • 5Total employees (full-time equivalent)
  • $21,193Total assets
  • $5,890Cash and due from depository institutions
  • $3,757Interest-bearing balances
  • $323Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $13,993Net loans & leases
  • $114Loan loss allowance
  • $0Trading account assets
  • $119Bank premises and fixed assets
  • $280Other real estate owned
  • $0Goodwill and other intangibles
  • $21,193Life insurance assets
  • $588All other assets
  • $18,986Total liabilities and capital
  • $17,066Total liabilities
  • $17,066Total deposits
  • $17,066Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,850Trading liabilities
  • $0Other borrowed funds
  • $70Subordinated debt
  • $2,207All other liabilities
  • $1,696Total equity capital
  • $1,696Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $1,696Undivided profits
  • Memoranda
  • $511Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $58Long-term assets (5+ years)
  • $18,073Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $19,322Volatile liabilities
  • $20,574Insider loans
  • $9,032FHLB advances
  • $20,566Loans and leases held for sale
  • $310Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,715Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,478Restructured Loans and leases
  • $733Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $776Total interest income
  • $275Total interest expense
  • $501Net interest income
  • $29Provision for loan and lease losses
  • $30Total noninterest income
  • $0Fiduciary activities
  • $1Service charges on deposit accounts
  • $0Trading account gains & fees
  • $29Additional noninterest income
  • $476Total noninterest expense
  • $260Salaries and employee benefits
  • $100Premises and equipment expense
  • $116Additional noninterest expense
  • $26Pre-tax net operating income
  • $0Securities gains (losses)
  • $3Applicable income taxes
  • $23Income before extraordinary items
  • $0Extraordinary gains - net
  • $22Net income attributable to bank
  • $1Net charge-offs
  • $23Cash dividends
  • $26Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.60%Cost of funding earning assets
  • 2.92%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.78%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 1.31%Return on equity (ROE)
  • 1.31%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 111.54%Credit loss provision to net charge-offs
  • 2.12%Efficiency ratio
  • 89,642Assets per employee
  • 4.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.42%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 81.99%Net loans and leases to core deposits
  • 81.99%Equity capital to assets
  • 8.00%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 18.99%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $19,322Average earning assets
  • $1,676Average equity
  • $17,138Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045140New Foundation Savings Bank8249 Clara Avenue, Cincinnati, OH 45239October 28, 1891Full Service Brick and Mortar

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