# CHEVIOT SAVINGS BANK
CINCINNATI, OH · FDIC certificate 27946 · asset band $300M-1B · latest filing 2016-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $561.8M | |
| Deposits | $454.5M | |
| Loans and leases | $370.0M | |
| Total equity | $89.3M | |
| Loans / deposits | 80.52% (p45 of band) | 82.54% |
| Liquid assets / assets | 25.10% (p50 of band) | |
| Uninsured deposits / deposits | 4.75% (p2 of band) | 20.09% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.37% (p29 of band) | |
| FHLB advances / assets | 2.15% | |
| Tier 1 leverage | 14.26% (p92 of band) | 10.14% |
| Unrealized securities loss / equity | -0.05% (p8 of band) | 1.64% |
| AOCI / equity | 0.49% (p43 of band) | |
| ROA (annualized) | 0.11% (p3 of band) | 0.90% |
| Net interest margin | 2.89% (p10 of band) | 3.59% |
| Efficiency ratio | 81.15% (p83 of band) | |
| Noncurrent loans | 1.16% (p70 of band) | 0.70% |
| Net charge-offs (annualized) | 0.05% (p72 of band) | |
| Reserve coverage of noncurrent | 93.76% | |
| Real estate % of loans | 98% | |
| Construction % of loans | 10.26% (p17 of band) | |
| Auto loans | $466,000 (0.13% of loans; DQ 0.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | -2.4% | |
| Employees | 96 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | NIM <2.5%, reserve under noncurrent |  |
| 2011-06 | 1 |  | NIM <2.5% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 3 |  | uninsured deposits leaving |
| 2014-03 | 2 |  | deposits shrinking |
| 2014-06 | 1 |  | assets shrinking |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | expense ratio p90 |  |
| 2015-06 | 1 |  | expense ratio p90 |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 0 |  | reserve under noncurrent, capital falling |
| 2016-03 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-11-24 [Cheviot Savings Bank sold for $107.4M - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMilAFBVV95cUxPQjM2N3ppeEZpV0p1WkUxOG1jRkFmUXdEdGtwY2dXRGpLNkhiR045eDVEMWNxNjFXc0F6U1I2eXVaWmpQYkY1eFZ2OWpMVTVFMXpLYWk4MWRDeGlkVzY1RUk0Z1FDTkhHNTZmaUd6TjhZQzlHUHA4TGduVE1VM2drWEdWZHQzSnptUmxncWFYWnJLNG5l?oc=5) · Cincinnati Enquirer
- 2015-11-24 [Cincinnati bank to be acquired - The Business Journals](https://news.google.com/rss/articles/CBMilAFBVV95cUxNZU45djVFQ2FoUjduNjA3cDQyVHJ5aHRfMFZGWktDM0czbmc5ZXBUb3VldG9OSGhnVS01eldDZ1NkREVfTEdPXzd0Yk81RjQ1RkZORG5mYTFYeU5WUkUwU1c4d1dTa2k3YzBDX2FtWU8tNU9sMmREbTJKd054ZUlSOWp1TElmeFFpS3lRX08yNU53cFRs?oc=5) · The Business Journals
- 2016-05-20 [Teens accused of Westwood bank robbery had 'fallen on hard times' - WLWT](https://news.google.com/rss/articles/CBMiogFBVV95cUxNLUV0VXJDbUhFTnR6XzJ5UVJvX21ZenRRVnQwcVN0S3B5Qkg0al9JaFVlcmc1SnlBeW40dGJXUVZMNlN1aHlOOVB2MVd5RTdMRkRFMDRkdWJ5aU9Pa0NUR0lpMzY0dHZ2U0JVNUJ6ME1sRV9saERFeU1hWlFMQ2hPdTh5UEZ1TVFaZURramNHSVkwLTFrazN4SUFPdWZFT1J2Qmc?oc=5) · WLWT
- 2015-02-03 [Cheviot Savings CEO out as investors buy in - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMimAFBVV95cUxOWFdXcDZJcGhVVWdxZ2RaTkZibXJveENBelBIVGN0T0xyLXZwTHhFb0N6UWVaT2tWd0Z1VDdCZkRVM0RFaThDbkdzeDJBMElTZWhRTS0tWlJwUDlGMGF2YkQzQy1ucXRXOU1ySnk3ZnVJOUI2bHRsbFhqQTJYaDJMMTNYVG53c1JqcmFBUC1hd204bmVBdEFiUQ?oc=5) · Cincinnati Enquirer
- 2015-07-17 [Meet Mark Reitzes of Cheviot Savings Bank - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOeWJzT2c5SW5aSW9IQThjR0FzMkpJckkwSjRyWTd2RVpnaDZyeXN0cFhNVnA0cF9KUHJJMF9IZlI4dTgyeFkwUjFDbVdCZjBMVWNMQlo1ZlFOWmczaEs2VW96SkI1al9ETHJvMEZzajZMRTNrZUNkYmhfSWZqZl9JQlZYek9SQnE3R1FFYVVabU83R2NXZTYxU2d2SEJyMmZFeXZjRFlOUVpZc0NaQ3Jz?oc=5) · The Business Journals
- 2015-04-28 [Cheviot Financial names Reitzes CEO - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMimwFBVV95cUxQUTFiU2ozMVg4VGF4NUxTM1ptcUtLRHptLV9SQllCdGdiVllyRU82d1RZeEFmVDMtNFFPeGk2UU5fUlZoSjdtX3JxZmpXSTNCTl9YSDNPNWVEM1o4VC02UW1WSjlrWnE1UTMyZVV6Uk1iZXZ0LWJVUV9OX0JKZ0FNdmR0RUg2UXRuWjEyazJmUTNlYUNYcUIyQVhkRQ?oc=5) · Cincinnati Enquirer
- 2015-05-06 [Bank earns $1K after ex-CEO paid $765K - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMikAFBVV95cUxNcUxxR3VOY2JHMWJIUWlyUjJ0a09SUUJBLUdkU2ZYMk51R2JGUG01V2c5QUJhcWFlSHRNLTBSZTBCUVhfdTZyR2JUSzIySG5LYU5RdG9VM0FWWE1UbkV4WUNxelpaSG1UdGpZWW5IMDNqaXB6WURrdGlUSjRWRnQ3T290QjF5OHprbmM1OURLY28?oc=5) · Cincinnati Enquirer
- 2015-05-29 [Robert Thomas, caterer and banker, 72 - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMikgFBVV95cUxQQ0U3MkdDYmJhdGU5YVZiTjhUMDlpbGVjQUhnQUdWeVJSNVZOT2ZBeS04cXJtSFZETHB3XzRtWWNwRVEzMzE0eng5dmFOYUYwdUpaUkE0eGV2aDZHNFFfY3VqTWMyQWF2WWZ5VVdoNHQ4M3BDejhoM0ZwbG1rY2l2emdiVU9xZzlCV2hHc05mdG93Zw?oc=5) · Cincinnati Enquirer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27946 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "27946", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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