FDIC Certificate #: 26272 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Ameriana Bank of Ohio, F.S.B. (#28537) Federal Reserve ID: 416179 Date Established: January 01, 1887 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 11813 FDIC's unique #: 32633 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: June 05, 1985 Last Structure Change Effective Date: August 01, 1998 Last Structure Change Process Date: October 20, 1998 Last Data Update: October 20, 1998 Data Source Date: April 05, 2012
Location
Address: 2894 West 22 And Route 3, Maineville, OH 45039 County: Warren 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: $24.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
10Total employees (full-time equivalent)
$24,283Total assets
$1,028Cash and due from depository institutions
$500Interest-bearing balances
$95Securities
$7,026Federal funds sold & reverse repurchase agreements
$15,709Net loans & leases
$66Loan loss allowance
$0Trading account assets
$234Bank premises and fixed assets
$0Other real estate owned
$53Goodwill and other intangibles
$0Life insurance assets
$138All other assets
$24,283Total liabilities and capital
$21,858Total liabilities
$21,697Total deposits
$20,562Interest-bearing deposits
$21,697Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$161All other liabilities
$2,425Total equity capital
$2,425Total bank equity capital
$2,425Perpetual preferred stock
$0Common stock
$315Surplus
$555Undivided profits
Memoranda
$1,555Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$23Earning assets
$0Long-term assets (5+ years)
$82Average Assets, year-to-date
$23,330Average Assets, quarterly
$3,823Volatile liabilities
$22,908Insider loans
$24,121FHLB advances
$1,599Loans and leases held for sale
$909Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,315Total unused commitments
$0Restructured Loans and leases
$14,481Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$1,778Total interest income
$1,000Total interest expense
$778Net interest income
$2Provision for loan and lease losses
$174Total noninterest income
$0Fiduciary activities
$49Service charges on deposit accounts
$0Trading account gains & fees
$125Additional noninterest income
$695Total noninterest expense
$318Salaries and employee benefits
$144Premises and equipment expense
$233Additional noninterest expense
$255Pre-tax net operating income
$0Securities gains (losses)
$87Applicable income taxes
$168Income before extraordinary items
$0Extraordinary gains - net
$168Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$13Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.16%Yield on earning assets
4.59%Cost of funding earning assets
3.57%Net interest margin
0.80%Noninterest income to earning assets
3.19%Noninterest expense to earning assets
0.73%Net operating income to assets
0.73%Return on assets (ROA)
1.11%Pretax return on assets
7.13%Return on equity (ROE)
6.58%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
70,903Assets per employee
2.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
7.74%Loss allowance to loans
0.42%Loss allowance to noncurrent loans
286.96%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.15%Net loans and leases to deposits
72.40%Net loans and leases to core deposits
78.16%Equity capital to assets
9.99%Core capital (leverage) ratio
9.94%Tier 1 risk-based capital ratio
16.71%Total risk-based capital ratio
Memoranda
$17Average assets
$22,908Average earning assets
$2,357Average equity
$21,788Average loans
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