The Cincinnatus Savings & Loan Co. in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Cincinnatus Savings & Loan Co. in Cincinnati, Ohio (OH)
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The Cincinnatus Savings & Loan Co. - Overview

  • General
  • FDIC Certificate #: 28157
    Status: Active
    Federal Reserve ID: 815772
    Date Established: January 01, 1885
    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 #: 1016
    FDIC's unique #: 40991
    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: August 17, 1959
    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: 3300 Harrison Ave, Cincinnati, OH 45211
    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: $88.9 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $61.7 mil
    Return on assets (ROA): -0.01% (-$0.0 mil)
    Quarterly return on assets: 0.00% ($0.0 mil)
    Return on Equity (ROE): -0.07% (-$0.0 mil)
    Quarterly return on equity: 0.02% ($0.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.02% (-$17.8 mil)
    Quarterly Pretax return on assets: 0.00% ($0.0 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
  • 26Total employees (full-time equivalent)
  • $88,907Total assets
  • $9,456Cash and due from depository institutions
  • $8,830Interest-bearing balances
  • $500Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,039Net loans & leases
  • $969Loan loss allowance
  • $0Trading account assets
  • $2,043Bank premises and fixed assets
  • $369Other real estate owned
  • $142Goodwill and other intangibles
  • $88,907Life insurance assets
  • $2,358All other assets
  • $69,842Total liabilities and capital
  • $61,669Total liabilities
  • $58,369Total deposits
  • $61,669Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,000Trading liabilities
  • $0Other borrowed funds
  • $173Subordinated debt
  • $19,065All other liabilities
  • $19,065Total equity capital
  • $19,065Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $0Surplus
  • $19,064Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,742Income earned, not collected on loans
  • $0Earning assets
  • $398Long-term assets (5+ years)
  • $83,369Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $89,418Volatile liabilities
  • $89,204Insider loans
  • $64,930FHLB advances
  • $88,893Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,051Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,888Restructured Loans and leases
  • $123Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,872Total interest income
  • $879Total interest expense
  • $3,993Net interest income
  • $1,215Provision for loan and lease losses
  • $232Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $189Additional noninterest income
  • $3,024Total noninterest expense
  • $1,890Salaries and employee benefits
  • $407Premises and equipment expense
  • $727Additional noninterest expense
  • -$14Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1Applicable income taxes
  • -$13Income before extraordinary items
  • $0Extraordinary gains - net
  • -$13Net income attributable to bank
  • $0Net charge-offs
  • -$13Cash dividends
  • $1,124Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.81%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.76%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • -0.01%Return on assets (ROA)
  • -0.02%Pretax return on assets
  • -0.07%Return on equity (ROE)
  • -0.07%Retained earnings to average equity (YTD only)
  • 1.46%Net charge-offs to loans
  • 108.10%Credit loss provision to net charge-offs
  • 1.07%Efficiency ratio
  • 71,574Assets per employee
  • 3.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 35.34%Noncurrent assets plus other real estate owned to assets
  • 3.50%Noncurrent loans to loans
  • 3.66%Net loans and leases to deposits
  • 120.06%Net loans and leases to core deposits
  • 132.89%Equity capital to assets
  • 21.44%Core capital (leverage) ratio
  • 21.43%Tier 1 risk-based capital ratio
  • 29.34%Total risk-based capital ratio
  • Memoranda
  • $31Average assets
  • $89,418Average earning assets
  • $19,420Average equity
  • $83,883Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040991The Cincinnatus Savings & Loan Co.3300 Harrison Ave, Cincinnati, OH 45211January 01, 1885Full Service Brick and Mortar
    22652563664 Springdale Rd Branch3664 Springdale Rd, Cincinnati, OH 45251January 01, 1885Full Service Brick and Mortar
    3265257Harrison Branch1100 Harrison Avenue, Harrison, OH 45030March 31, 1993Full Service Brick and Mortar

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