State Home Savings Bank, F.S.B. in Bowling Green, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 16, 1994

  • State Home Savings Bank, F.S.B. in Bowling Green, Ohio (OH)
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State Home Savings Bank, F.S.B. - Overview

  • General
  • FDIC Certificate #: 27804
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: KeyBank National Association (#17534)
    Federal Reserve ID: 634674
    Date Established: January 01, 1899
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 309
    FDIC's unique #: 40638
    Numeric code: 34
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 15, 1950
    Last Structure Change Effective Date: September 16, 1994
    Last Structure Change Process Date: September 28, 1994
    Last Data Update: September 28, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 South Main Street, Bowling Green, OH 43402
    County: Wood
    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
    Metropolitan Statistical Area (MSA): Toledo, OH (#8400)
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $335.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $148Total assets
  • $337,591Cash and due from depository institutions
  • $10,263Interest-bearing balances
  • $3,994Securities
  • $49,143Federal funds sold & reverse repurchase agreements
  • $300Net loans & leases
  • $264,514Loan loss allowance
  • $2,405Trading account assets
  • $0Bank premises and fixed assets
  • $6,665Other real estate owned
  • $800Goodwill and other intangibles
  • $5,906Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $337,591Total liabilities
  • $315,964Total deposits
  • $309,466Interest-bearing deposits
  • $305,620Deposits held in domestic offices
  • 309466.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,635Subordinated debt
  • $0All other liabilities
  • $863Total equity capital
  • $863Total bank equity capital
  • $21,627Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $14,547Undivided profits
  • Memoranda
  • $7,079Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,133Income earned, not collected on loans
  • $1,821Earning assets
  • $317,951Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $326,587Average Assets, quarterly
  • $330,221Volatile liabilities
  • $22,528Insider loans
  • $362FHLB advances
  • $2,000Loans and leases held for sale
  • $0Unused loan commitments
  • $17,597Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,627Total risk weighted assets
  • $187,998Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,509Total interest expense
  • $11,255Net interest income
  • $12,254Provision for loan and lease losses
  • $400Total noninterest income
  • $1,368Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,368Total noninterest expense
  • $8,636Salaries and employee benefits
  • $4,505Premises and equipment expense
  • $1,690Additional noninterest expense
  • $2,441Pre-tax net operating income
  • $4,586Securities gains (losses)
  • $197Applicable income taxes
  • $1,549Income before extraordinary items
  • $3,234Extraordinary gains - net
  • $520Net income attributable to bank
  • $3,754Net charge-offs
  • $22Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.64%Cost of funding earning assets
  • 3.66%Net interest margin
  • 3.98%Noninterest income to earning assets
  • 0.44%Noninterest expense to earning assets
  • 2.81%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 1.62%Return on equity (ROE)
  • 18.86%Retained earnings to average equity (YTD only)
  • 18.86%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 1818.18%Efficiency ratio
  • 63,397Assets per employee
  • 2.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 112.75%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 0.80%Net loans and leases to deposits
  • 85.47%Net loans and leases to core deposits
  • 90.41%Equity capital to assets
  • 6.41%Core capital (leverage) ratio
  • 6.41%Tier 1 risk-based capital ratio
  • 11.50%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $326,587Average earning assets
  • $19,909Average equity
  • $307,783Average loans

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