The Home Savings and Loan Company of Youngstown, Ohio (merged into Premier Bank & Trust)
The Home Savings and Loan Company of Youngstown, Ohio reported total assets of $2.2 bn at Q4 2016, its last Call Report before it merged into Premier Bank & Trust. The CET1 capital ratio at The Home Savings and Loan Company of Youngstown, Ohio was 15.22%. Source: FDIC Call Reports.
What sets The Home Savings and Loan Company of Youngstown, Ohio apart
Nothing in the latest data sets The Home Savings and Loan Company of Youngstown, Ohio apart from banks of its size: no ratio in the top or bottom tenth of its size group, no large rank move or year change, and no acquisition in the FDIC history since 2016. This page is kept out of search results until that changes.
How large is The Home Savings and Loan Company of Youngstown, Ohio?
The balance sheet of The Home Savings and Loan Company of Youngstown, Ohio at : assets $2.2 bn, deposits $1.6 bn, net loans $1.6 bn (loans equal to 99.85% of deposits). Securities make up 20.1% of total assets at The Home Savings and Loan Company of Youngstown, Ohio. Since , when The Home Savings and Loan Company of Youngstown, Ohio held $2.0 bn, its assets grew 7.7%. At , The Home Savings and Loan Company of Youngstown, Ohio employed 429 full-time equivalent staff across 31 offices, about $5.1 mn of assets per employee and $50.7 mn of deposits per office.
How much funding at The Home Savings and Loan Company of Youngstown, Ohio is uninsured?
At The Home Savings and Loan Company of Youngstown, Ohio, uninsured deposits (above the FDIC limit) made up 11.64% of domestic deposits at . In dollars, The Home Savings and Loan Company of Youngstown, Ohio estimated $182.9 mn of uninsured deposits.
Key facts, Q4 2016
| Metric | Value | A year earlier | US rank |
|---|---|---|---|
| Total deposits | $1.6 bn | not available | |
| Net loans and leases | $1.6 bn | not available | |
| Loan-to-deposit ratio | 99.85% | not available | |
| Tier 1 leverage ratio | 10.65% | not available | |
| Total risk-based capital ratio | 16.47% | not available | |
| Net interest margin | 3.21% | not available | |
| Return on assets (ROA) | 0.94% | not available | |
| Efficiency ratio | 59.77% | not available | |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.4 mn | not available | |
| Unrealized gain/loss on available-for-sale securities | Loss of $4.8 mn | not available | |
| Noncurrent loans to total loans | 0.79% | not available | |
| Net charge-offs to average loans | 0.27% | not available |
US rank of The Home Savings and Loan Company of Youngstown, Ohio: 1 = highest unless marked 1 = lowest.
Balance sheet
The Home Savings and Loan Company of Youngstown, Ohio: assets, deposits and loans
- Total assets $2.2bn
- Deposits $1.6bn
- Net loans $1.6bn
Capital and securities
The CET1 ratio of The Home Savings and Loan Company of Youngstown, Ohio stood at 15.22% in . Low and high at The Home Savings and Loan Company of Youngstown, Ohio since : 15.22% () to 17.31% (). Equity capital of The Home Savings and Loan Company of Youngstown, Ohio at : $216.5 mn, or 9.9% of total assets. The Home Savings and Loan Company of Youngstown, Ohio also reported a total capital ratio of 16.47% for , and a tier 1 leverage ratio of 10.65%.
On held-to-maturity securities, The Home Savings and Loan Company of Youngstown, Ohio carried an unrealized loss of $1.4 mn at , equal to 0.6% of equity capital. The available-for-sale portfolio of The Home Savings and Loan Company of Youngstown, Ohio showed an unrealized loss of $4.8 mn at .
The Home Savings and Loan Company of Youngstown, Ohio: capital ratios
- Total capital 16%
- CET1 15%
- Tier 1 leverage 11%
The Home Savings and Loan Company of Youngstown, Ohio: unrealized securities gains and losses
- Available for sale -$5mn
- Held to maturity -$1mn
Profitability and loan quality
For the year to , The Home Savings and Loan Company of Youngstown, Ohio earned a return on equity of 8.63%; return on assets: 0.94%. Net interest margin at The Home Savings and Loan Company of Youngstown, Ohio: 3.21%. The Home Savings and Loan Company of Youngstown, Ohio net income: $19.7 mn. The efficiency ratio of The Home Savings and Loan Company of Youngstown, Ohio was 59.77%: about 60 cents cost per revenue dollar, against 67 cents at the median peer.
At , noncurrent loans were 0.79% of total loans at The Home Savings and Loan Company of Youngstown, Ohio; net charge-offs: 0.27% of average loans. Gross loans and leases at The Home Savings and Loan Company of Youngstown, Ohio: $1.6 bn.
The Home Savings and Loan Company of Youngstown, Ohio: profitability
- Return on equity 8.6%
- Net interest margin 3.2%
- Return on assets 0.9%
Peer group of The Home Savings and Loan Company of Youngstown, Ohio
The peer group of The Home Savings and Loan Company of Youngstown, Ohio is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of The Home Savings and Loan Company of Youngstown, Ohio (state-chartered stock savings bank) and 0 have head offices in Ohio. Against them, The Home Savings and Loan Company of Youngstown, Ohio shows CET1 ratio 15.22% against a peer median of 12.38%, return on equity 8.63% against a peer median of 6.28% and uninsured deposit share 11.64% against a peer median of 22.03%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Union Savings Bank | State-chartered stock savings bank | CT | $2.2 bn | 13.72% | 5.50% | 22.10% | |
| First Mid Bank & Trust | National bank | IL | $2.2 bn | 11.38% | 9.54% | 17.28% | |
| Equity Bank | State member bank | KS | $2.2 bn | 12.61% | 6.76% | 11.49% | |
| The Home Savings and Loan Company of Youngstown, Ohio | State-chartered stock savings bank | OH | $2.2 bn | 15.22% | 8.63% | 11.64% | |
| Wilson Bank and Trust | State nonmember bank | TN | $2.2 bn | 12.14% | 11.12% | 21.95% | |
| Northstar Bank | State member bank | TX | $2.2 bn | 11.35% | 5.16% | 24.84% | |
| Lone Star National Bank | National bank | TX | $2.2 bn | 17.37% | 5.79% | 52.59% | |
. FDIC Call Reports.
Last eight quarters
Two years at The Home Savings and Loan Company of Youngstown, Ohio, to : assets $2.0 bn to $2.2 bn, deposits $1.5 bn to $1.6 bn, equity $230.8 mn to $216.5 mn. Staff 427 to 429.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 |
|---|---|---|---|---|
| Total assets | $2.0 bn | $2.1 bn | $2.2 bn | $2.2 bn |
| Total deposits | $1.5 bn | $1.5 bn | $1.5 bn | $1.6 bn |
| Bank equity capital | $230.8 mn | $240.6 mn | $234.6 mn | $216.5 mn |
| CET1 ratio | 17.13% | 17.31% | 15.97% | 15.22% |
| Return on equity (ROE) | 6.04% | 7.58% | 8.10% | 8.63% |
| Uninsured share of domestic deposits | 12.60% | 12.86% | 12.38% | 11.64% |
| Full-time equivalent employees | 427 | 435 | 425 | 429 |
| Number of offices | 31 | 31 | 31 | 31 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of The Home Savings and Loan Company of Youngstown, Ohio, oldest first; figures before and after each event are not like for like.
- . Merged into Premier Bank & Trust (FDIC certificate 35385).
Questions and identifiers
What were the total assets of The Home Savings and Loan Company of Youngstown, Ohio?
The Home Savings and Loan Company of Youngstown, Ohio reported $2.2 bn at in its Call Report.
Is The Home Savings and Loan Company of Youngstown, Ohio the same as its holding company?
No. This page covers The Home Savings and Loan Company of Youngstown, Ohio, FDIC certificate 28114; UNITED CMTY FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is The Home Savings and Loan Company of Youngstown, Ohio profitable?
The Home Savings and Loan Company of Youngstown, Ohio reported net income of $19.7 mn for the year to ; annualized return on equity: 8.63%. So yes: The Home Savings and Loan Company of Youngstown, Ohio made a profit over these months.
When is data for The Home Savings and Loan Company of Youngstown, Ohio next updated?
The Home Savings and Loan Company of Youngstown, Ohio no longer files Call Reports; its data ends at .
Where can I check the figures for The Home Savings and Loan Company of Youngstown, Ohio?
In the FDIC BankFind Suite record for certificate 28114, and in the Call Reports of The Home Savings and Loan Company of Youngstown, Ohio (RSSD ID 932277) at the FFIEC Central Data Repository.