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)
  • Show street view No street view available for this location

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
    WWW: http://www.hslc-kenton.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Home Savings and Loan Company of Kenton, Ohio.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents