The Home Savings and Loan Company in Youngstown, Ohio (OH), PA
| The Home Savings and Loan Company | |
|---|---|
| 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: 38 (Domestic: 38, 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: Febuary 17, 2011 |
| 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: $2,322.5 mil Equity capital: $20.0 mil Deposits held in domestic offices: $1,709.8 mil Return on assets (ROA): -0.81% (-$18.8 mil) Quarterly return on assets: -0.79% (-$18.3 mil) Return on Equity (ROE): -9.33% (-$1.9 mil) Quarterly return on equity: -9.02% (-$1.8 mil) Net income: -$1.4 mil Quarterly Net income: -$0.5 mil Pretax return on assets: -0.81% (-$18,812.2 mil) Quarterly Pretax return on assets: -0.79% (-$18,347.7 mil) |
| Assets and Liabilities (December 31, 2010) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 557 |
| Total assets | $2,210,254 |
| Cash and due from depository institutions | $37,009 |
| Interest-bearing balances | $18,443 |
| Securities | $361,648 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $1,669,281 |
| Loan loss allowance | $45,561 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $21,780 |
| Other real estate owned | $39,914 |
| Goodwill and other intangibles | $6,600 |
| All other assets | $74,022 |
| Life insurance assets | $27,303 |
| Total liabilities and capital | $2,210,254 |
| Total liabilities | $2,025,470 |
| Total deposits | $1,713,990 |
| Interest-bearing deposits | $1,551,225 |
| Deposits held in domestic offices | $1,713,990 |
| % insured (estimated) | 97.10% |
| Federal funds purchased & repurchase agreements | $97,161 |
| Trading liabilities | $0 |
| Other borrowed funds | $203,454 |
| Subordinated debt | $0 |
| All other liabilities | $10,865 |
| Total equity capital | $184,784 |
| Total bank equity capital | $184,784 |
| Perpetual preferred stock | $184,784 |
| Common stock | $0 |
| Surplus | $1 |
| Undivided profits | $80,209 |
| Memoranda | |
| Noncurrent loans and leases | $104,574 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $204,468 |
| Income earned, not collected on loans | $0 |
| Earning assets | $141,596 |
| Long-term assets (5+ years) | $0 |
| Average Assets, year-to-date | $7,831 |
| Average Assets, quarterly | $2,049,372 |
| Volatile liabilities | $935,889 |
| Insider loans | $2,293,390 |
| FHLB advances | $2,264,976 |
| Loans and leases held for sale | $420,547 |
| Unused loan commitments | $494 |
| Tier 1 (core) risk-based capital | $202,818 |
| Tier 2 risk-based capital | $83,385 |
| Total risk weighted assets | $10,870 |
| Total unused commitments | $204,468 |
| Restructured Loans and leases | $7,431 |
| Derivatives | $20,179 |
| Income and Expense (December 31, 2010) (Dollar figures in thousands) | |
| Total interest income | $111,665 |
| Total interest expense | $39,728 |
| Net interest income | $71,937 |
| Provision for loan and lease losses | $56,340 |
| Total noninterest income | $13,104 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $5,577 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $7,527 |
| Total noninterest expense | $65,510 |
| Salaries and employee benefits | $31,465 |
| Premises and equipment expense | $6,354 |
| Additional noninterest expense | $27,691 |
| Pre-tax net operating income | -$36,809 |
| Securities gains (losses) | $8,548 |
| Applicable income taxes | $0 |
| Income before extraordinary items | -$28,261 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | -$28,261 |
| Net charge-offs | $0 |
| Cash dividends | -$28,261 |
| Sale, conversion, retirement of capital stock, net | $53,066 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2010) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.25% |
| Cost of funding earning assets | 1.87% |
| Net interest margin | 3.39% |
| Noninterest income to earning assets | 0.62% |
| Noninterest expense to earning assets | 3.08% |
| Net operating income to assets | -1.61% |
| Return on assets (ROA) | -1.23% |
| Pretax return on assets | -1.23% |
| Return on equity (ROE) | -14.32% |
| Retained earnings to average equity (YTD only) | -14.32% |
| Net charge-offs to loans | 2.91% |
| Credit loss provision to net charge-offs | 106.17% |
| Efficiency ratio | 0.37% |
| Assets per employee | $76,826 |
| Cash dividends to net income (YTD only) | 3.97% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.66% |
| Noncurrent assets plus other real estate owned to assets | 32.18% |
| Noncurrent loans to loans | 8.21% |
| Net loans and leases to deposits | 8.26% |
| Net loans and leases to core deposits | 97.39% |
| Equity capital to assets | 111.03% |
| Core capital (leverage) ratio | 8.36% |
| Tier 1 risk-based capital ratio | 8.20% |
| Total risk-based capital ratio | 11.71% |
| Memoranda | |
| Average assets | $13 |
| Average earning assets | $2,293,390 |
| Average equity | $197,324 |
| Average loans | $2,124,993 |
| 37 Ohio Branches as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 40948 | The Home Savings And Loan Company | 275 West Federal Street, Youngstown, OH 44501 | January 01, 1889 | Full Service Brick and Mortar |  |
| 1 | 265111 | Salem Branch | 650 E State St, Salem, OH 44460 | January 01, 1889 | Full Service Brick and Mortar |  |
| 2 | 265112 | Struthers Branch | 32 State St, Struthers, OH 44471 | January 01, 1889 | Full Service Brick and Mortar | |
| 3 | 265113 | Newport-Glen Branch | 4005 Hillman Way, Youngstown, OH 44512 | January 01, 1889 | Full Service Brick and Mortar | |
| 5 | 265115 | Boardman Branch | 7525 Market Street, Youngstown, OH 44512 | January 01, 1889 | Full Service Brick and Mortar | |
| 6 | 265116 | Kirk Road Branch | 4259 Kirk Rd., Youngstown, OH 44511 | January 01, 1889 | Full Service Brick and Mortar | |
| 7 | 265117 | Poland Branch | 202 South Main Street, Poland, OH 44514 | January 01, 1889 | Full Service Brick and Mortar | |
| 8 | 265118 | Liberty Branch | 3500 Belmont Avenue, Youngstown, OH 44505 | January 01, 1889 | Full Service Brick and Mortar | |
| 101 | 265119 | Canfield Branch | 29 N Broad Street, Canfield, OH 44406 | January 01, 1889 | Full Service Brick and Mortar | |
| 102 | 265120 | Eastwood Branch | 980 Great East Plaza, Niles, OH 44446 | January 01, 1889 | Full Service Brick and Mortar | |
| 104 | 42612 | East Palestine Branch | 127 North Market Street, East Palestine, OH 44413 | January 01, 1892 | Full Service Brick and Mortar | |
| 105 | 277155 | Lisbon Branch | 210 W. Lincoln Way, Lisbon, OH 44432 | January 01, 1892 | Full Service Brick and Mortar | |
| 106 | 265122 | Columbiana Branch | 14825 South Avenue Extention, Columbiana, OH 44408 | April 18, 1997 | Full Service Brick and Mortar | |
| 107 | 41854 | Bellevue Branch | 211 North Sandusky Street, Bellevue, OH 44811 | January 01, 1889 | Full Service Brick and Mortar | |
| 108 | 272426 | Willard Myrtle Branch | 301 South Myrtle Avenue, Willard, OH 44890 | January 01, 1889 | Full Service Brick and Mortar | |
| 109 | 272427 | Clyde Branch | 225 North Main St, Clyde, OH 43410 | January 01, 1889 | Full Service Brick and Mortar | |
| 110 | 272428 | Norwalk Branch | 50 West Main Street, Norwalk, OH 44857 | January 01, 1889 | Full Service Brick and Mortar | |
| 111 | 44068 | Ashland Branch | 30 East Main Street, Ashland, OH 44805 | January 01, 1923 | Full Service Brick and Mortar | |
| 112 | 272429 | Tiffin East Branch | 48 E Market Street, Tiffin, OH 44883 | January 01, 1889 | Full Service Brick and Mortar | |
| 114 | 272430 | Sandusky Branch | 4112 Milan Road, Sandusky, OH 44870 | June 30, 1988 | Full Service Brick and Mortar | |
| 116 | 359238 | Lexington Branch | 40 East Main Street, Lexington, OH 44904 | July 06, 1999 | Full Service Brick and Mortar | |
| 118 | 274996 | Calcutta Branch | 15575 State Route 170, East Liverpool, OH 43920 | January 01, 1889 | Full Service Brick and Mortar | |
| 119 | 274997 | Glenmoor Branch | 46635 Y & O Road, East Liverpool, OH 43920 | January 01, 1889 | Full Service Brick and Mortar | |
| 120 | 41138 | East Liverpool Branch | 530 Broadway, East Liverpool, OH 43920 | January 01, 1902 | Full Service Brick and Mortar | |
| 121 | 431484 | Aurora Branch | 7075 N Aurora Road, Aurora, OH 44202 | December 08, 2003 | Full Service Brick and Mortar | |
| 122 | 431485 | Mentor Branch | 7707 Mentor Avenue, Mentor, OH 44060 | October 15, 2002 | Full Service Brick and Mortar | |
| 123 | 431486 | Willard Blossom Branch | 121 Blossom Centre, Willard, OH 44890 | June 30, 1999 | Full Service Brick and Mortar | |
| 124 | 431487 | Howland Branch | 4625 N. River Road, Warren, OH 44484 | December 31, 2000 | Full Service Brick and Mortar | |
| 125 | 431488 | Mccartney Road Branch | 2996 Mccartney Road, Youngstown, OH 44505 | December 31, 2000 | Full Service Brick and Mortar | |
| 126 | 431489 | Ysu Branch | One University Plaza, 1059-1060, Youngstown, OH 44555 | December 31, 2000 | Full Service Brick and Mortar | |
| 128 | 431536 | Tiffin West Branch | 796 W. Market Street, Tiffin, OH 44883 | July 01, 2001 | Full Service Brick and Mortar | |
| 129 | 437252 | Austintown Branch | 6030 Mahoning Avenue, Youngstown, OH 44515 | Febuary 07, 2005 | Full Service Brick and Mortar | |
| 130 | 444322 | Mcdonald Branch | 427 Ohio Avenue, Mc Donald, OH 44437 | July 16, 2004 | Full Service Brick and Mortar | |
| 131 | 444337 | Fremont Branch | 910 Sean Drive, Fremont, OH 43420 | August 22, 2005 | Full Service Brick and Mortar | |
| 132 | 447419 | Streetsboro Branch | 1130 State Route 303, Streetsboro, OH 44241 | January 23, 2006 | Full Service Brick and Mortar | |
| 133 | 467433 | Tallmadge Road Branch | 182 Tallmadge Rd, Kent, OH 44240 | April 02, 2007 | Full Service Brick and Mortar | |
| 134 | 469460 | Chardon Branch | 201 Meadowlands Drive, Chardon, OH 44024 | November 19, 2007 | Full Service Brick and Mortar | |
| 1 Pennsylvania Branch as of Febuary 17, 2011 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 127 | 431535 | Beaver Branch | 998 Third Street, Beaver, PA 15009 | April 01, 2002 | Full Service Brick and Mortar | |
Based on public records. Inadvertent errors are possible.
Faqs.org does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Faqs.org does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.