FDIC Certificate #: 27966 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Winton Savings and Loan Company (#30799) Federal Reserve ID: 568573 Date Established: January 01, 1907 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 642 FDIC's unique #: 40800 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: December 11, 1935 Last Structure Change Effective Date: June 11, 1999 Last Structure Change Process Date: July 27, 1999 Last Data Update: July 27, 1999 Data Source Date: April 05, 2012
Location
Address: 101 W Central Parkway, Cincinnati, OH 45202 County: Hamilton 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): Cincinnati, OH-KY-IN (#1640) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
Financial Summary
Total assets: $54.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
18Total employees (full-time equivalent)
$55,248Total assets
$1,590Cash and due from depository institutions
$726Interest-bearing balances
$3,644Securities
$500Federal funds sold & reverse repurchase agreements
$47,616Net loans & leases
$53Loan loss allowance
$0Trading account assets
$867Bank premises and fixed assets
$0Other real estate owned
$51Goodwill and other intangibles
$0Life insurance assets
$980All other assets
$55,248Total liabilities and capital
$51,734Total liabilities
$40,446Total deposits
$40,024Interest-bearing deposits
$40,446Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$11,120Other borrowed funds
$0Subordinated debt
$168All other liabilities
$3,514Total equity capital
$3,514Total bank equity capital
$3,514Perpetual preferred stock
$0Common stock
$112Surplus
$933Undivided profits
Memoranda
$2,469Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$88Earning assets
$0Long-term assets (5+ years)
$229Average Assets, year-to-date
$52,486Average Assets, quarterly
$0Volatile liabilities
$52,450Insider loans
$54,979FHLB advances
$15,219Loans and leases held for sale
$888Unused loan commitments
$11,120Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,668Total unused commitments
$0Restructured Loans and leases
$27,531Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$3,723Total interest income
$2,437Total interest expense
$1,286Net interest income
$26Provision for loan and lease losses
$102Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$102Additional noninterest income
$1,216Total noninterest expense
$653Salaries and employee benefits
$295Premises and equipment expense
$268Additional noninterest expense
$146Pre-tax net operating income
$0Securities gains (losses)
$38Applicable income taxes
$108Income before extraordinary items
$0Extraordinary gains - net
$108Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$25Sale, conversion, retirement of capital stock, net
$56Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.47%Yield on earning assets
4.89%Cost of funding earning assets
2.58%Net interest margin
0.20%Noninterest income to earning assets
2.44%Noninterest expense to earning assets
0.21%Net operating income to assets
0.21%Return on assets (ROA)
0.28%Pretax return on assets
3.13%Return on equity (ROE)
1.51%Retained earnings to average equity (YTD only)
0.06%Net charge-offs to loans
104.00%Credit loss provision to net charge-offs
6.88%Efficiency ratio
87,608Assets per employee
3.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.85%Loss allowance to loans
0.11%Loss allowance to noncurrent loans
60.23%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.18%Net loans and leases to deposits
117.73%Net loans and leases to core deposits
131.00%Equity capital to assets
6.36%Core capital (leverage) ratio
6.36%Tier 1 risk-based capital ratio
12.76%Total risk-based capital ratio
Memoranda
$12Average assets
$52,450Average earning assets
$3,446Average equity
$49,843Average loans
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