The Home Builders Association in Lynchburg, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 05, 2011

  • The Home Builders Association in Lynchburg, Ohio (OH)
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The Home Builders Association - Overview

  • General
  • FDIC Certificate #: 29767
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Southern Hills Community Bank (#29749)
    Federal Reserve ID: 354477
    Date Established: January 01, 1922
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4059
    FDIC's unique #: 42601
    Numeric code: 36
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 27, 1937
    Last Structure Change Effective Date: April 05, 2011
    Last Structure Change Process Date: April 07, 2011
    Last Data Update: April 07, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 223 No Main St, Lynchburg, OH 45142
    County: Highland
    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
  • Financial Summary
  • Total assets: $26.3 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, 2010)

  • Dollar figures in thousands
  • 4Total employees (full-time equivalent)
  • $25,535Total assets
  • $1,986Cash and due from depository institutions
  • $1,848Interest-bearing balances
  • $82Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $22,486Net loans & leases
  • $110Loan loss allowance
  • $0Trading account assets
  • $299Bank premises and fixed assets
  • $187Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $495All other assets
  • $25,535Total liabilities and capital
  • $21,152Total liabilities
  • $19,125Total deposits
  • $19,112Interest-bearing deposits
  • $19,125Deposits held in domestic offices
  • 100.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,801Other borrowed funds
  • $0Subordinated debt
  • $226All other liabilities
  • $4,383Total equity capital
  • $4,383Total bank equity capital
  • $4,383Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $4,383Noncurrent loans and leases
  • $1,181Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $735Earning assets
  • $0Long-term assets (5+ years)
  • $140Average Assets, year-to-date
  • $24,416Average Assets, quarterly
  • $0Volatile liabilities
  • $25,108Insider loans
  • $25,694FHLB advances
  • $6,044Loans and leases held for sale
  • $236Unused loan commitments
  • $1,801Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,181Total unused commitments
  • $187Restructured Loans and leases
  • $113Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $1,460Total interest income
  • $471Total interest expense
  • $989Net interest income
  • $60Provision for loan and lease losses
  • $33Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $33Additional noninterest income
  • $774Total noninterest expense
  • $455Salaries and employee benefits
  • $84Premises and equipment expense
  • $235Additional noninterest expense
  • $188Pre-tax net operating income
  • $0Securities gains (losses)
  • $71Applicable income taxes
  • $117Income before extraordinary items
  • $0Extraordinary gains - net
  • $117Net income attributable to bank
  • $0Net charge-offs
  • $117Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.05%Yield on earning assets
  • 1.95%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.14%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 2.69%Return on equity (ROE)
  • 2.69%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 600.00%Credit loss provision to net charge-offs
  • 24.80%Efficiency ratio
  • 75,734Assets per employee
  • 6.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.49%Loss allowance to noncurrent loans
  • 14.97%Noncurrent assets plus other real estate owned to assets
  • 3.61%Noncurrent loans to loans
  • 3.25%Net loans and leases to deposits
  • 117.57%Net loans and leases to core deposits
  • 151.10%Equity capital to assets
  • 17.16%Core capital (leverage) ratio
  • 17.15%Tier 1 risk-based capital ratio
  • 27.75%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $25,108Average earning assets
  • $4,344Average equity
  • $24,119Average loans

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