The Home Building and Loan Company in Greenfield, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Home Building and Loan Company in Greenfield, Ohio (OH)
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The Home Building and Loan Company - Overview

  • General
  • FDIC Certificate #: 32295
    Status: Active
    Federal Reserve ID: 306579
    Date Established: April 10, 1886
    WWW: http://www.highland-ohio.comhomebuilding/
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 8107
    FDIC's unique #: 45129
    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, 1985
    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: 355 Jefferson Street, Greenfield, OH 45123
    County: Highland
    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
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $42.9 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $36.3 mil
    Return on assets (ROA): -0.75% (-$0.3 mil)
    Quarterly return on assets: -1.95% (-$0.8 mil)
    Return on Equity (ROE): -4.90% (-$0.3 mil)
    Quarterly return on equity: -12.48% (-$0.9 mil)
    Net income: -$0.3 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -0.81% (-$347.5 mil)
    Quarterly Pretax return on assets: -1.95% (-$836.6 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
  • 6Total employees (full-time equivalent)
  • $42,901Total assets
  • $12,268Cash and due from depository institutions
  • $12,116Interest-bearing balances
  • $6,342Securities
  • $6,072Federal funds sold & reverse repurchase agreements
  • $16,249Net loans & leases
  • $400Loan loss allowance
  • $0Trading account assets
  • $293Bank premises and fixed assets
  • $842Other real estate owned
  • $0Goodwill and other intangibles
  • $42,901Life insurance assets
  • $835All other assets
  • $36,264Total liabilities and capital
  • $36,253Total liabilities
  • $36,253Total deposits
  • $36,253Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $11Subordinated debt
  • $6,637All other liabilities
  • $6,637Total equity capital
  • $6,637Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,637Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,093Income earned, not collected on loans
  • $0Earning assets
  • $207Long-term assets (5+ years)
  • $40,779Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $44,249Volatile liabilities
  • $43,181Insider loans
  • $16,115FHLB advances
  • $42,901Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,637Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $101Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,541Total interest income
  • $228Total interest expense
  • $1,313Net interest income
  • $403Provision for loan and lease losses
  • $9Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $1,279Total noninterest expense
  • $391Salaries and employee benefits
  • $43Premises and equipment expense
  • $845Additional noninterest expense
  • -$360Pre-tax net operating income
  • $0Securities gains (losses)
  • -$28Applicable income taxes
  • -$332Income before extraordinary items
  • $0Extraordinary gains - net
  • -$332Net income attributable to bank
  • $0Net charge-offs
  • -$332Cash dividends
  • $354Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.66%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.02%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • -0.75%Net operating income to assets
  • -0.75%Return on assets (ROA)
  • -0.81%Pretax return on assets
  • -4.90%Return on equity (ROE)
  • -4.90%Retained earnings to average equity (YTD only)
  • 2.00%Net charge-offs to loans
  • 113.84%Credit loss provision to net charge-offs
  • 0.12%Efficiency ratio
  • 96,747Assets per employee
  • 7.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.40%Loss allowance to noncurrent loans
  • 19.11%Noncurrent assets plus other real estate owned to assets
  • 6.84%Noncurrent loans to loans
  • 12.57%Net loans and leases to deposits
  • 44.82%Net loans and leases to core deposits
  • 44.82%Equity capital to assets
  • 15.47%Core capital (leverage) ratio
  • 15.47%Tier 1 risk-based capital ratio
  • 41.19%Total risk-based capital ratio
  • Memoranda
  • $42Average assets
  • $44,249Average earning assets
  • $6,780Average equity
  • $42,123Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    045129The Home Building And Loan Company355 Jefferson Street, Greenfield, OH 45123April 10, 1886Full Service Brick and Mortar

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