Vitals
  • Total Assets
    2.2B 10.1 %
  • Total Deposits
    1.6B 6.1 %
  • Total Net Loans
    1.6B 15.8 %
  • Net Income
    19.7M 16.4 %
  • Book Value
    216.5M -2.0 %
  • Book Value x2
    433.0M -2.0 %
  • Book Value x3
    649.4M -2.0 %
ROAA

.95

ROAE

8.627

Efficiency Ratio

59.799

Net Interest Margin

3.169

Balance Sheet Highlights
Financial Highlights The Home Savings And Loan Company Of Youngstown, Ohio All Insured Savings Banks in Ohio
Balance Sheet $(000)
Total Assets 2,190,097 265,966
Total Net Loans 1,568,891 190,627
Total Deposits 1,571,226 206,710
Total Equity 216,476 32,574
Profitability
Net Income 19,727 2,411
Return on Average Assets .95 .564
Return on Average Equity 8.627 4.535
Net Interest Margin 3.169 3.288
Efficiency Ratio 59.799 80.784
Noninterest Income/Revenue 21.858 22.248
Balance Sheet Ratios
Loan-to-Deposit 99.851 89.218
Securities/Assets .201 .114
Total Equity/Total Assets .099 .122
Tangible Equity/Tangible Assets .096 .119
Capital Adequacy
Tier 1 Common Capital 229,938 31,883
Tier 1 Capital 229,938 31,883
Tier 2 Capital 18,923 1,822
Total Capital 248,861 33,702
Total Risk Weighted Assets 1,510,628 167,152
Leverage Ratio 10.65 13.259
Common Equity Tier 1 Capital Ratio 15.22 24.788
Tier 1 Capital Ratio 15.22 24.788
Total Capital Ratio 16.47 25.792

Timeline for The Home Savings And Loan Company Of Youngstown, Ohio

Potters Bank

Acquisition: The Home Savings And Loan Company Of Youngstown, Ohio acquired a new subsidiary, Potters Bank, 22 years

View Profile Apr 01 2002

Industrial Savings And Loan Association

Acquisition: The Home Savings And Loan Company Of Youngstown, Ohio acquired a new subsidiary, Industrial Savings And Loan Association, 22 years

View Profile Jul 01 2001

United Community Financial Corporation

United Community Financial Corporation became a new parent organization for The Home Savings And Loan Company Of Youngstown, Ohio.

View Profile Jul 01 1998

State Savings And Loan Association

Acquisition: The Home Savings And Loan Company Of Youngstown, Ohio acquired a new subsidiary, State Savings And Loan Association, 37 years

View Profile Jan 02 1987

The Home Savings And Loan Company Of Youngstown, Ohio

The Home Savings And Loan Company Of Youngstown, Ohio was established 135 years ago and is currently headquartered in Youngstown, OH.

Jan 01 1889
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Potters Bank Seller 128,251 Discontinued 4/1/2002
Industrial Savings And Loan Association Seller 423,002 Discontinued 7/1/2001
State Savings And Loan Association Seller 41,796 Discontinued 1/2/1987
Relationships Role Relationship Start Relationship End
United Community Financial Corporation Parent 7/21/2011
United Community Financial Corporation Parent 7/1/1998 7/20/2011
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