FDIC Certificate #: 27997 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Fifth Third Bank (#743) Federal Reserve ID: 788876 Date Established: January 01, 1888 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 707 FDIC's unique #: 40831 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: June 07, 1943 Last Structure Change Effective Date: May 15, 1999 Last Structure Change Process Date: June 23, 1999 Last Data Update: June 23, 1999 Data Source Date: April 05, 2012
Location
Address: 7810 Tylersville Square Drive, West Chester, OH 45069 County: Butler 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): Hamilton-Middletown, OH (#3200) 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: $537.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
58Total employees (full-time equivalent)
$542,600Total assets
$27,799Cash and due from depository institutions
$16,931Interest-bearing balances
$185,456Securities
$0Federal funds sold & reverse repurchase agreements
$298,552Net loans & leases
$1,267Loan loss allowance
$0Trading account assets
$5,451Bank premises and fixed assets
$0Other real estate owned
$10,815Goodwill and other intangibles
$0Life insurance assets
$14,527All other assets
$542,600Total liabilities and capital
$499,917Total liabilities
$345,873Total deposits
$340,400Interest-bearing deposits
$345,873Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$151,751Other borrowed funds
$0Subordinated debt
$2,293All other liabilities
$42,683Total equity capital
$42,683Total bank equity capital
$42,683Perpetual preferred stock
$0Common stock
$1Surplus
$31,068Undivided profits
Memoranda
$11,614Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$77Earning assets
$0Long-term assets (5+ years)
$1,210Average Assets, year-to-date
$500,939Average Assets, quarterly
$0Volatile liabilities
$460,505Insider loans
$506,372FHLB advances
$202,570Loans and leases held for sale
$0Unused loan commitments
$151,384Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$23,955Total unused commitments
$0Restructured Loans and leases
$247,923Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$32,080Total interest income
$22,411Total interest expense
$9,669Net interest income
$196Provision for loan and lease losses
$1,396Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,396Additional noninterest income
$6,756Total noninterest expense
$4,129Salaries and employee benefits
$856Premises and equipment expense
$1,771Additional noninterest expense
$4,113Pre-tax net operating income
$304Securities gains (losses)
$1,660Applicable income taxes
$2,757Income before extraordinary items
$0Extraordinary gains - net
$2,757Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$1Sale, conversion, retirement of capital stock, net
$5,000Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.39%Yield on earning assets
5.16%Cost of funding earning assets
2.23%Net interest margin
0.32%Noninterest income to earning assets
1.56%Noninterest expense to earning assets
0.56%Net operating income to assets
0.60%Return on assets (ROA)
0.96%Pretax return on assets
7.47%Return on equity (ROE)
-6.07%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
19600.00%Credit loss provision to net charge-offs
4309.00%Efficiency ratio
59,340Assets per employee
9.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
181.36%Loss allowance to loans
0.42%Loss allowance to noncurrent loans
1645.45%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.03%Net loans and leases to deposits
86.32%Net loans and leases to core deposits
101.19%Equity capital to assets
7.87%Core capital (leverage) ratio
5.94%Tier 1 risk-based capital ratio
12.73%Total risk-based capital ratio
Memoranda
$13Average assets
$460,505Average earning assets
$36,923Average equity
$434,374Average loans
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