THE HOME LOAN SAVINGS BANK in Coshocton, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


THE HOME LOAN SAVINGS BANK - Overview

  • General
  • FDIC Certificate #: 29695
    Status: Active
    Federal Reserve ID: 468673
    Date Established: January 01, 1882
    WWW: http://www.homeloansavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 3901
    FDIC's unique #: 42529
    Numeric code: 41
    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: December 16, 1936
    Last Structure Change Effective Date: March 19, 2007
    Last Structure Change Process Date: March 21, 2007
    Last Data Update: March 21, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 413 Main Street, Coshocton, OH 43812
    County: Coshocton
    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
    Core Based Statistical Area (CBSA): Coshocton, OH (#18740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $160.9 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $129.1 mil
    Return on assets (ROA): 1.29% ($2.1 mil)
    Quarterly return on assets: 1.39% ($2.2 mil)
    Return on Equity (ROE): 11.62% ($2.2 mil)
    Quarterly return on equity: 12.15% ($2.3 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.83% ($2,944.8 mil)
    Quarterly Pretax return on assets: 2.12% ($3,411.5 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
  • 42Total employees (full-time equivalent)
  • $160,919Total assets
  • $9,628Cash and due from depository institutions
  • $4,483Interest-bearing balances
  • $8,455Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $131,807Net loans & leases
  • $2,387Loan loss allowance
  • $0Trading account assets
  • $3,097Bank premises and fixed assets
  • $0Other real estate owned
  • $76Goodwill and other intangibles
  • $160,919Life insurance assets
  • $7,856All other assets
  • $142,183Total liabilities and capital
  • $129,073Total liabilities
  • $120,105Total deposits
  • $129,073Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,767Trading liabilities
  • $0Other borrowed funds
  • $343Subordinated debt
  • $18,736All other liabilities
  • $18,736Total equity capital
  • $18,736Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $13,071Surplus
  • $5,664Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,946Income earned, not collected on loans
  • $0Earning assets
  • $576Long-term assets (5+ years)
  • $144,745Average Assets, year-to-date
  • $92,118Average Assets, quarterly
  • $162,348Volatile liabilities
  • $161,515Insider loans
  • $117,692FHLB advances
  • $161,867Loans and leases held for sale
  • $4,045Unused loan commitments
  • $4,045Tier 1 (core) risk-based capital
  • $18,673Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,575Restructured Loans and leases
  • $214Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,592Total interest income
  • $1,674Total interest expense
  • $6,918Net interest income
  • $610Provision for loan and lease losses
  • $843Total noninterest income
  • $0Fiduciary activities
  • $329Service charges on deposit accounts
  • $0Trading account gains & fees
  • $514Additional noninterest income
  • $4,172Total noninterest expense
  • $2,270Salaries and employee benefits
  • $396Premises and equipment expense
  • $1,506Additional noninterest expense
  • $2,979Pre-tax net operating income
  • $0Securities gains (losses)
  • $879Applicable income taxes
  • $2,100Income before extraordinary items
  • -$10Extraordinary gains - net
  • $2,090Net income attributable to bank
  • $0Net charge-offs
  • $2,090Cash dividends
  • $135Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.81%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.68%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.83%Pretax return on assets
  • 11.62%Return on equity (ROE)
  • 3.28%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 451.85%Credit loss provision to net charge-offs
  • 26.59%Efficiency ratio
  • 53,756Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.77%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 122.66%Noncurrent assets plus other real estate owned to assets
  • 1.21%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 102.12%Net loans and leases to core deposits
  • 112.06%Equity capital to assets
  • 11.64%Core capital (leverage) ratio
  • 11.54%Tier 1 risk-based capital ratio
  • 15.87%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $162,348Average earning assets
  • $17,987Average equity
  • $147,957Average loans

List of branches

  • 4 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042529The Home Loan Savings Bank413 Main Street, Coshocton, OH 43812January 01, 1882Full Service Brick and Mortar
    1276846Walnut Branch590 Walnut Street, Coshocton, OH 43812August 21, 1989Full Service Brick and Mortar
    2433929Mount Vernon Branch1387 Coshocton Avenue, Mount Vernon, OH 43050January 10, 2005Full Service Brick and Mortar
    3442596West Lafayette Branch503 W Main St, West Lafayette, OH 43845October 18, 1999Full Service Brick and Mortar

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