The Dollar Savings & Trust Company in Youngstown, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 30, 1994

  • The Dollar Savings & Trust Company in Youngstown, Ohio (OH)
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The Dollar Savings & Trust Company - Overview

  • General
  • FDIC Certificate #: 11097
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank, Northeast (#10254)
    Federal Reserve ID: 143822
    Date Established: March 28, 1887
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 32 (Interstate: No)
    FDIC's unique #: 7091
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 30, 1994
    Last Structure Change Process Date: May 16, 1994
    Last Data Update: May 16, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: Federal Plaza West, Youngstown, OH 44501
    County: Mahoning
    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): Youngstown-Warren, OH (#9320)
    Combined Statistical Area (CSA): Youngstown-Warren-East Liverpool, OH-PA (#566)
    Core Based Statistical Area (CBSA): Youngstown-Warren-Boardman, OH-PA (#49660)
    CBSA Metro Statistical Area: Youngstown-Warren-Boardman, OH-PA (#49660)
  • Financial Summary
  • Total assets: $1,052.6 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)
  • $672Total assets
  • $1,056,861Cash and due from depository institutions
  • $54,285Interest-bearing balances
  • $0Securities
  • $225,701Federal funds sold & reverse repurchase agreements
  • $184,500Net loans & leases
  • $513,775Loan loss allowance
  • $48,591Trading account assets
  • $0Bank premises and fixed assets
  • $8,633Other real estate owned
  • $329Goodwill and other intangibles
  • $25,230Life insurance assets
  • $44,408All other assets
  • $0Total liabilities and capital
  • $1,056,861Total liabilities
  • $923,714Total deposits
  • $842,361Interest-bearing deposits
  • $702,402Deposits held in domestic offices
  • 842361.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $53,344Trading liabilities
  • $0Other borrowed funds
  • $18,100Subordinated debt
  • $0All other liabilities
  • $9,909Total equity capital
  • $9,909Total bank equity capital
  • $133,147Perpetual preferred stock
  • $0Common stock
  • $11,364Surplus
  • $122,215Undivided profits
  • Memoranda
  • $-432Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,196Income earned, not collected on loans
  • $3,779Earning assets
  • $923,976Long-term assets (5+ years)
  • $206,034Average Assets, year-to-date
  • $1,033,606Average Assets, quarterly
  • $1,036,564Volatile liabilities
  • $95,785Insider loans
  • $3,458FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $65,787Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $88,739Total risk weighted assets
  • $554,120Total unused commitments
  • $0Restructured Loans and leases
  • $100,000Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $15,075Total interest expense
  • $6,529Net interest income
  • $8,546Provision for loan and lease losses
  • $1,017Total noninterest income
  • $2,666Fiduciary activities
  • $1,019Service charges on deposit accounts
  • $876Trading account gains & fees
  • $0Additional noninterest income
  • $771Total noninterest expense
  • $8,245Salaries and employee benefits
  • $4,139Premises and equipment expense
  • $1,013Additional noninterest expense
  • $3,093Pre-tax net operating income
  • $1,950Securities gains (losses)
  • $207Applicable income taxes
  • $1,222Income before extraordinary items
  • $935Extraordinary gains - net
  • $0Net income attributable to bank
  • $935Net charge-offs
  • $1,348Cash 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
  • 1.62%Cost of funding earning assets
  • 0.70%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 0.29%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.08%Return on assets (ROA)
  • 0.09%Pretax return on assets
  • 0.21%Return on equity (ROE)
  • 1.07%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 0.23%Credit loss provision to net charge-offs
  • 75.45%Efficiency ratio
  • 73,073Assets per employee
  • 1.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 8.64%Loss allowance to noncurrent loans
  • 253.13%Noncurrent assets plus other real estate owned to assets
  • 1.82%Noncurrent loans to loans
  • 3.41%Net loans and leases to deposits
  • 60.99%Net loans and leases to core deposits
  • 62.81%Equity capital to assets
  • 12.60%Core capital (leverage) ratio
  • 8.76%Tier 1 risk-based capital ratio
  • 16.01%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $1,033,606Average earning assets
  • $87,704Average equity
  • $927,941Average loans

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