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

  • The Home Savings and Loan Company of Kenton, Ohio in Kenton, Ohio (OH)
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The Home Savings and Loan Company of Kenton, Ohio - Overview

  • General
  • FDIC Certificate #: 29571
    Status: Active
    Federal Reserve ID: 296474
    Date Established: January 01, 1888
    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 #: 3681
    FDIC's unique #: 42405
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 07, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 116 East Franklin Street, Kenton, OH 43326
    County: Hardin
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $115.9 mil
    Equity capital: $31.0 mil
    Deposits held in domestic offices: $84.0 mil
    Return on assets (ROA): 0.88% ($1.0 mil)
    Quarterly return on assets: 0.73% ($0.8 mil)
    Return on Equity (ROE): 3.28% ($1.0 mil)
    Quarterly return on equity: 2.71% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.18% ($1,368.0 mil)
    Quarterly Pretax return on assets: 1.07% ($1,240.5 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
  • 15Total employees (full-time equivalent)
  • $115,935Total assets
  • $6,597Cash and due from depository institutions
  • $6,233Interest-bearing balances
  • $29,708Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $76,417Net loans & leases
  • $282Loan loss allowance
  • $0Trading account assets
  • $439Bank premises and fixed assets
  • $58Other real estate owned
  • $0Goodwill and other intangibles
  • $115,935Life insurance assets
  • $2,716All other assets
  • $84,887Total liabilities and capital
  • $83,982Total liabilities
  • $82,877Total deposits
  • $83,982Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14Trading liabilities
  • $0Other borrowed funds
  • $891Subordinated debt
  • $31,048All other liabilities
  • $31,048Total equity capital
  • $31,048Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $31,048Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $677Income earned, not collected on loans
  • $0Earning assets
  • $541Long-term assets (5+ years)
  • $112,358Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $114,359Volatile liabilities
  • $115,728Insider loans
  • $60,147FHLB advances
  • $115,649Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,859Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,965Restructured Loans and leases
  • $549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,940Total interest income
  • $1,268Total interest expense
  • $3,672Net interest income
  • $185Provision for loan and lease losses
  • $93Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $93Additional noninterest income
  • $2,236Total noninterest expense
  • $1,014Salaries and employee benefits
  • $870Premises and equipment expense
  • $352Additional noninterest expense
  • $1,344Pre-tax net operating income
  • $0Securities gains (losses)
  • $340Applicable income taxes
  • $1,004Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,004Net income attributable to bank
  • $0Net charge-offs
  • $1,004Cash dividends
  • $44Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.32%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 2.02%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 3.28%Return on equity (ROE)
  • 3.28%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 420.45%Credit loss provision to net charge-offs
  • 34.75%Efficiency ratio
  • 59,389Assets per employee
  • 7.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.37%Loss allowance to noncurrent loans
  • 41.65%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 90.99%Net loans and leases to core deposits
  • 95.40%Equity capital to assets
  • 26.78%Core capital (leverage) ratio
  • 26.68%Tier 1 risk-based capital ratio
  • 51.31%Total risk-based capital ratio
  • Memoranda
  • $52Average assets
  • $114,359Average earning assets
  • $30,598Average equity
  • $110,658Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042405The Home Savings And Loan Company Of Kenton, Ohio116 East Franklin Street, Kenton, OH 43326January 01, 1888Full Service Brick and Mortar

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