The Harrison Building and Loan Association in Harrison, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Harrison Building and Loan Association in Harrison, Ohio (OH)
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The Harrison Building and Loan Association - Overview

  • General
  • FDIC Certificate #: 28080
    Status: Active
    Federal Reserve ID: 653778
    Date Established: January 01, 1916
    WWW: http://www.bankhbl.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 #: 866
    FDIC's unique #: 40914
    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: April 02, 1958
    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: 10490 New Haven Road, Harrison, OH 45030
    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: $223.0 mil
    Equity capital: $30.9 mil
    Deposits held in domestic offices: $189.5 mil
    Return on assets (ROA): 0.45% ($1.0 mil)
    Quarterly return on assets: 0.34% ($0.8 mil)
    Return on Equity (ROE): 3.29% ($1.0 mil)
    Quarterly return on equity: 2.47% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.64% ($1,427.2 mil)
    Quarterly Pretax return on assets: 0.49% ($1,092.7 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
  • 38Total employees (full-time equivalent)
  • $223,002Total assets
  • $17,754Cash and due from depository institutions
  • $16,668Interest-bearing balances
  • $86,316Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,477Net loans & leases
  • $680Loan loss allowance
  • $0Trading account assets
  • $2,779Bank premises and fixed assets
  • $3,011Other real estate owned
  • $0Goodwill and other intangibles
  • $223,002Life insurance assets
  • $7,665All other assets
  • $192,140Total liabilities and capital
  • $189,503Total liabilities
  • $182,125Total deposits
  • $189,503Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,637Subordinated debt
  • $30,862All other liabilities
  • $30,862Total equity capital
  • $30,862Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $30,862Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,070Income earned, not collected on loans
  • $0Earning assets
  • $869Long-term assets (5+ years)
  • $208,461Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $220,783Volatile liabilities
  • $221,779Insider loans
  • $105,138FHLB advances
  • $219,884Loans and leases held for sale
  • $4,011Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $28,804Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,840Restructured Loans and leases
  • $461Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,055Total interest income
  • $2,573Total interest expense
  • $6,482Net interest income
  • $270Provision for loan and lease losses
  • $261Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $261Additional noninterest income
  • $5,054Total noninterest expense
  • $2,812Salaries and employee benefits
  • $803Premises and equipment expense
  • $1,439Additional noninterest expense
  • $1,419Pre-tax net operating income
  • $0Securities gains (losses)
  • $426Applicable income taxes
  • $993Income before extraordinary items
  • $0Extraordinary gains - net
  • $993Net income attributable to bank
  • $0Net charge-offs
  • $993Cash dividends
  • $892Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.09%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.64%Pretax return on assets
  • 3.29%Return on equity (ROE)
  • 3.29%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 30.27%Credit loss provision to net charge-offs
  • 1.89%Efficiency ratio
  • 74,952Assets per employee
  • 5.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.64%Loss allowance to noncurrent loans
  • 32.85%Noncurrent assets plus other real estate owned to assets
  • 2.28%Noncurrent loans to loans
  • 1.95%Net loans and leases to deposits
  • 55.66%Net loans and leases to core deposits
  • 57.98%Equity capital to assets
  • 13.84%Core capital (leverage) ratio
  • 13.10%Tier 1 risk-based capital ratio
  • 27.40%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $220,783Average earning assets
  • $30,152Average equity
  • $209,624Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040914The Harrison Building And Loan Assoc10490 New Haven Road, Harrison, OH 45030January 01, 1916Full Service Brick and Mortar
    1264883Walnut Street Branch114 North Walnut Street, Harrison, OH 45030November 18, 1991Full Service Brick and Mortar
    2364158Hamilton Branch1380 Millville Avenue, Hamilton, OH 45013August 02, 2001Full Service Brick and Mortar

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