The Home Savings and Loan Company in Youngstown, Ohio (OH), PA
Overview, Financial Summary, Detailed Financial Reports, Branches


The Home Savings and Loan Company - Overview

  • General
  • FDIC Certificate #: 28114
    Status: Active
    Federal Reserve ID: 932277
    Date Established: January 01, 1889
    WWW: http://www.homesavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 35 (Domestic: 35, Interstate: Yes)
    OTS Docket #: 919
    FDIC's unique #: 40948
    Numeric code: 41
    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: Commercial Lending Specialization
    Date of Deposit Insurance: November 03, 1936
    Last Structure Change Effective Date: April 02, 2009
    Last Structure Change Process Date: June 25, 2009
    Last Data Update: June 25, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 275 West Federal Street, 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)
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $2,035.1 mil
    Equity capital: $186.2 mil
    Deposits held in domestic offices: $1,617.8 mil
    Return on assets (ROA): 0.11% ($2.2 mil)
    Quarterly return on assets: 1.85% ($37.6 mil)
    Return on Equity (ROE): 1.35% ($2.5 mil)
    Quarterly return on equity: 20.74% ($38.6 mil)
    Net income: $2.4 mil
    Quarterly Net income: $9.5 mil
    Pretax return on assets: 0.11% ($2,238.6 mil)
    Quarterly Pretax return on assets: 1.85% ($37,649.0 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
  • 544Total employees (full-time equivalent)
  • $2,035,082Total assets
  • $54,121Cash and due from depository institutions
  • $21,652Interest-bearing balances
  • $459,335Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,395,542Net loans & leases
  • $40,515Loan loss allowance
  • $0Trading account assets
  • $18,854Bank premises and fixed assets
  • $32,947Other real estate owned
  • $4,936Goodwill and other intangibles
  • $2,035,082Life insurance assets
  • $69,347All other assets
  • $1,848,893Total liabilities and capital
  • $1,617,825Total liabilities
  • $1,432,045Total deposits
  • $1,617,825Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 90000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $128,773Trading liabilities
  • $0Other borrowed funds
  • $12,295Subordinated debt
  • $186,189All other liabilities
  • $186,189Total equity capital
  • $186,189Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $80,090Surplus
  • $106,098Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $12,727Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $123,363Income earned, not collected on loans
  • $0Earning assets
  • $6,824Long-term assets (5+ years)
  • $1,876,529Average Assets, year-to-date
  • $972,680Average Assets, quarterly
  • $2,106,859Volatile liabilities
  • $2,054,738Insider loans
  • $1,351,524FHLB advances
  • $2,085,719Loans and leases held for sale
  • $28,353Unused loan commitments
  • $28,353Tier 1 (core) risk-based capital
  • $180,878Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $188,385Restructured Loans and leases
  • $926Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $96,471Total interest income
  • $31,212Total interest expense
  • $65,259Net interest income
  • $23,383Provision for loan and lease losses
  • $14,560Total noninterest income
  • $0Fiduciary activities
  • $6,105Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,455Additional noninterest income
  • $62,625Total noninterest expense
  • $30,561Salaries and employee benefits
  • $5,928Premises and equipment expense
  • $26,136Additional noninterest expense
  • -$6,189Pre-tax net operating income
  • $8,610Securities gains (losses)
  • $0Applicable income taxes
  • $2,421Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,421Net income attributable to bank
  • $0Net charge-offs
  • $2,421Cash dividends
  • $33,750Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • -0.29%Net operating income to assets
  • 0.11%Return on assets (ROA)
  • 0.11%Pretax return on assets
  • 1.35%Return on equity (ROE)
  • 1.35%Retained earnings to average equity (YTD only)
  • 2.13%Net charge-offs to loans
  • 69.28%Credit loss provision to net charge-offs
  • 0.51%Efficiency ratio
  • 78,285Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.82%Loss allowance to noncurrent loans
  • 32.84%Noncurrent assets plus other real estate owned to assets
  • 7.68%Noncurrent loans to loans
  • 8.59%Net loans and leases to deposits
  • 86.26%Net loans and leases to core deposits
  • 87.23%Equity capital to assets
  • 9.15%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 13.38%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $2,106,859Average earning assets
  • $179,288Average equity
  • $1,942,128Average loans

List of branches

  • 34 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040948The Home Savings And Loan Company275 West Federal Street, Youngstown, OH 44501January 01, 1889Full Service Brick and Mortar
    1265111Salem Branch650 E State St, Salem, OH 44460January 01, 1889Full Service Brick and Mortar
    2265112Struthers Branch32 State St, Struthers, OH 44471January 01, 1889Full Service Brick and Mortar
    3265113Newport-Glen Branch4005 Hillman Way, Youngstown, OH 44512January 01, 1889Full Service Brick and Mortar
    5265115Boardman Branch7525 Market Street, Youngstown, OH 44512January 01, 1889Full Service Brick and Mortar
    6265116Kirk Road Branch4259 Kirk Rd., Youngstown, OH 44511January 01, 1889Full Service Brick and Mortar
    7265117Poland Branch202 South Main Street, Poland, OH 44514January 01, 1889Full Service Brick and Mortar
    8265118Liberty Branch3500 Belmont Avenue, Youngstown, OH 44505January 01, 1889Full Service Brick and Mortar
    101265119Canfield Branch29 N Broad Street, Canfield, OH 44406January 01, 1889Full Service Brick and Mortar
    102265120Eastwood Branch980 Great East Plaza, Niles, OH 44446January 01, 1889Full Service Brick and Mortar
    10442612East Palestine Branch127 North Market Street, East Palestine, OH 44413January 01, 1892Full Service Brick and Mortar
    105277155Lisbon Branch210 W. Lincoln Way, Lisbon, OH 44432January 01, 1892Full Service Brick and Mortar
    106265122Columbiana Branch14825 South Avenue Extention, Columbiana, OH 44408April 18, 1997Full Service Brick and Mortar
    10741854Bellevue Branch211 North Sandusky Street, Bellevue, OH 44811January 01, 1889Full Service Brick and Mortar
    108272426Willard Myrtle Branch301 South Myrtle Avenue, Willard, OH 44890January 01, 1889Full Service Brick and Mortar
    109272427Clyde Branch225 North Main St, Clyde, OH 43410January 01, 1889Full Service Brick and Mortar
    110272428Norwalk Branch50 West Main Street, Norwalk, OH 44857January 01, 1889Full Service Brick and Mortar
    11144068Ashland Branch30 East Main Street, Ashland, OH 44805January 01, 1923Full Service Brick and Mortar
    114272430Sandusky Branch4112 Milan Road, Sandusky, OH 44870June 30, 1988Full Service Brick and Mortar
    116359238Lexington Branch40 East Main Street, Lexington, OH 44904July 06, 1999Full Service Brick and Mortar
    118274996Calcutta Branch15575 State Route 170, East Liverpool, OH 43920January 01, 1889Full Service Brick and Mortar
    119274997Glenmoor Branch46635 Y & O Road, East Liverpool, OH 43920January 01, 1889Full Service Brick and Mortar
    12041138East Liverpool Branch530 Broadway, East Liverpool, OH 43920January 01, 1902Full Service Brick and Mortar
    121431484Aurora Branch7075 N Aurora Road, Aurora, OH 44202December 08, 2003Full Service Brick and Mortar
    122431485Mentor Branch7707 Mentor Avenue, Mentor, OH 44060October 15, 2002Full Service Brick and Mortar
    123431486Willard Blossom Branch121 Blossom Centre, Willard, OH 44890June 30, 1999Full Service Brick and Mortar
    124431487Howland Branch4625 N. River Road, Warren, OH 44484December 31, 2000Full Service Brick and Mortar
    125431488Mccartney Road Branch2996 Mccartney Road, Youngstown, OH 44505December 31, 2000Full Service Brick and Mortar
    126431489Ysu BranchOne University Plaza, 1059-1060, Youngstown, OH 44555December 31, 2000Full Service Brick and Mortar
    129437252Austintown Branch6030 Mahoning Avenue, Youngstown, OH 44515Febuary 07, 2005Full Service Brick and Mortar
    130444322Mcdonald Branch427 Ohio Avenue, Mc Donald, OH 44437July 16, 2004Full Service Brick and Mortar
    132447419Streetsboro Branch1130 State Route 303, Streetsboro, OH 44241January 23, 2006Full Service Brick and Mortar
    133467433Tallmadge Road Branch182 Tallmadge Rd, Kent, OH 44240April 02, 2007Full Service Brick and Mortar
    134469460Chardon Branch201 Meadowlands Drive, Chardon, OH 44024November 19, 2007Full Service Brick and Mortar
  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    127431535Beaver Branch998 Third Street, Beaver, PA 15009April 01, 2002Full Service Brick and Mortar

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