Southern Hills Community Bank in Leesburg, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Southern Hills Community Bank in Leesburg, Ohio (OH)
  • Show street view No street view available for this location

Southern Hills Community Bank - Overview

  • General
  • FDIC Certificate #: 29749
    Status: Active
    Federal Reserve ID: 352370
    Date Established: January 01, 1884
    WWW: http://www.southernhillscommunitybank.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 #: 4013
    FDIC's unique #: 42583
    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: November 07, 1936
    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: 45 East Main Street, Leesburg, OH 45135
    County: Highland
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $87.1 mil
    Equity capital: $12.1 mil
    Deposits held in domestic offices: $68.2 mil
    Return on assets (ROA): 0.67% ($0.6 mil)
    Quarterly return on assets: 0.92% ($0.8 mil)
    Return on Equity (ROE): 5.04% ($0.6 mil)
    Quarterly return on equity: 6.64% ($0.8 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($879.3 mil)
    Quarterly Pretax return on assets: 1.36% ($1,184.0 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
  • 25Total employees (full-time equivalent)
  • $87,062Total assets
  • $8,819Cash and due from depository institutions
  • $7,618Interest-bearing balances
  • $62Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $72,871Net loans & leases
  • $940Loan loss allowance
  • $0Trading account assets
  • $2,603Bank premises and fixed assets
  • $750Other real estate owned
  • $191Goodwill and other intangibles
  • $87,062Life insurance assets
  • $1,766All other assets
  • $74,957Total liabilities and capital
  • $68,180Total liabilities
  • $66,315Total deposits
  • $68,180Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,164Trading liabilities
  • $0Other borrowed funds
  • $613Subordinated debt
  • $12,105All other liabilities
  • $12,105Total equity capital
  • $12,105Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $12,105Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $844Income earned, not collected on loans
  • $0Earning assets
  • $523Long-term assets (5+ years)
  • $80,551Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $76,843Volatile liabilities
  • $87,347Insider loans
  • $54,289FHLB advances
  • $86,878Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,029Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,354Restructured Loans and leases
  • $262Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,579Total interest income
  • $545Total interest expense
  • $4,034Net interest income
  • $450Provision for loan and lease losses
  • $62Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $62Additional noninterest income
  • $2,870Total noninterest expense
  • $1,535Salaries and employee benefits
  • $275Premises and equipment expense
  • $1,060Additional noninterest expense
  • $776Pre-tax net operating income
  • $0Securities gains (losses)
  • $264Applicable income taxes
  • $512Income before extraordinary items
  • $0Extraordinary gains - net
  • $512Net income attributable to bank
  • $0Net charge-offs
  • $512Cash dividends
  • $261Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 5.66%Net interest margin
  • 0.09%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 5.04%Return on equity (ROE)
  • 5.04%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 172.41%Credit loss provision to net charge-offs
  • 4.70%Efficiency ratio
  • 68,970Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 111.37%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 106.88%Net loans and leases to core deposits
  • 113.89%Equity capital to assets
  • 13.90%Core capital (leverage) ratio
  • 13.85%Tier 1 risk-based capital ratio
  • 22.16%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $76,843Average earning assets
  • $10,156Average equity
  • $71,315Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042583Southern Hills Community Bank45 East Main Street, Leesburg, OH 45135January 01, 1884Full Service Brick and Mortar
    1277051134 N Washington St Branch134 N Washington St, Greenfield, OH 45123January 01, 1884Full Service Brick and Mortar
    242601Lynchburg Branch223 No Main St, Lynchburg, OH 45142January 01, 1922Full Service Brick and Mortar

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

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Southern Hills Community Bank.
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