The Home Savings and Loan Company in Youngstown, Ohio (OH), PA



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The Home Savings and Loan Company routing number info

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The Home Savings and Loan Company
GeneralFDIC 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
LocationAddress: 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 ChangesCorrections
Financial SummaryTotal 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)
Total employees (full-time equivalent)544
Total assets$2,035,082
Cash and due from depository institutions$54,121
Interest-bearing balances$21,652
Securities$459,335
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,395,542
Loan loss allowance $40,515
Trading account assets$0
Bank premises and fixed assets$18,854
Other real estate owned$32,947
Goodwill and other intangibles$4,936
All other assets$69,347
Life insurance assets$2,035,082
Total liabilities and capital$1,848,893
Total liabilities$1,617,825
Total deposits$1,432,045
Interest-bearing deposits$1,617,825
Deposits held in domestic offices$98
% insured (estimated)90000.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$128,773
Other borrowed funds $0
Subordinated debt $12,295
All other liabilities $186,189
Total equity capital$186,189
Total bank equity capital$186,189
Perpetual preferred stock$0
Common stock$1
Surplus$80,090
Undivided profits $106,098
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $12,727
Income earned, not collected on loans $123,363
Earning assets $0
Long-term assets (5+ years) $6,824
Average Assets, year-to-date $1,876,529
Average Assets, quarterly $972,680
Volatile liabilities $2,106,859
Insider loans $2,054,738
FHLB advances $1,351,524
Loans and leases held for sale $2,085,719
Unused loan commitments $28,353
Tier 1 (core) risk-based capital $28,353
Tier 2 risk-based capital $180,878
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $188,385
Derivatives$926
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $96,471
Total interest expense $31,212
Net interest income $65,259
Provision for loan and lease losses $23,383
Total noninterest income $14,560
Fiduciary activities $0
Service charges on deposit accounts $6,105
Trading account gains & fees $0
Additional noninterest income $8,455
Total noninterest expense $62,625
Salaries and employee benefits $30,561
Premises and equipment expense $5,928
Additional noninterest expense $26,136
Pre-tax net operating income -$6,189
Securities gains (losses) $8,610
Applicable income taxes $0
Income before extraordinary items $2,421
Extraordinary gains - net $0
Net income attributable to bank $2,421
Net charge-offs $0
Cash dividends $2,421
Sale, conversion, retirement of capital stock, net $33,750
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.97%
Cost of funding earning assets 1.61%
Net interest margin 3.36%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 3.22%
Net operating income to assets -0.29%
Return on assets (ROA) 0.11%
Pretax return on assets 0.11%
Return on equity (ROE) 1.35%
Retained earnings to average equity (YTD only) 1.35%
Net charge-offs to loans 2.13%
Credit loss provision to net charge-offs 69.28%
Efficiency ratio0.51%
Assets per employee$78,285
Cash dividends to net income (YTD only)3.74%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.82%
Noncurrent assets plus other real estate owned to assets 32.84%
Noncurrent loans to loans 7.68%
Net loans and leases to deposits8.59%
Net loans and leases to core deposits 86.26%
Equity capital to assets 87.23%
Core capital (leverage) ratio 9.15%
Tier 1 risk-based capital ratio 8.67%
Total risk-based capital ratio 13.38%
Memoranda
Average assets$15
Average earning assets$2,106,859
Average equity $179,288
Average loans $1,942,128
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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
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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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