FDIC Certificate #: 33596 Status: Inactive Closing history: Corrections Acquiring institution:Centennial Bank (#28111) Federal Reserve ID: 565572 Date Established: May 11, 1992 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 602 FDIC's unique #: 47574 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: May 11, 1992 Last Structure Change Effective Date: March 19, 1999 Last Structure Change Process Date: May 11, 1999 Last Data Update: May 11, 1999 Data Source Date: April 05, 2012
Location
Address: 4555 Montgomery Road, Norwood, OH 45212 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)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $518.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
105Total employees (full-time equivalent)
$518,819Total assets
$4,462Cash and due from depository institutions
$704Interest-bearing balances
$55,724Securities
$17,620Federal funds sold & reverse repurchase agreements
$419,202Net loans & leases
$1,703Loan loss allowance
$0Trading account assets
$7,186Bank premises and fixed assets
$32Other real estate owned
$7,192Goodwill and other intangibles
$0Life insurance assets
$7,401All other assets
$518,819Total liabilities and capital
$453,347Total liabilities
$414,716Total deposits
$406,790Interest-bearing deposits
$414,716Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$36,490Other borrowed funds
$0Subordinated debt
$2,141All other liabilities
$65,472Total equity capital
$65,472Total bank equity capital
$65,472Perpetual preferred stock
$0Common stock
$0Surplus
$43,466Undivided profits
Memoranda
$22,006Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,808Earning assets
$0Long-term assets (5+ years)
$2,046Average Assets, year-to-date
$493,250Average Assets, quarterly
$0Volatile liabilities
$530,476Insider loans
$523,422FHLB advances
$81,154Loans and leases held for sale
$977Unused loan commitments
$34,735Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$35,226Total unused commitments
$0Restructured Loans and leases
$280,031Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$37,309Total interest income
$22,845Total interest expense
$14,464Net interest income
$107Provision for loan and lease losses
$1,433Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,433Additional noninterest income
$7,997Total noninterest expense
$3,688Salaries and employee benefits
$1,787Premises and equipment expense
$2,522Additional noninterest expense
$7,793Pre-tax net operating income
$266Securities gains (losses)
$3,400Applicable income taxes
$4,659Income before extraordinary items
$0Extraordinary gains - net
$4,659Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$47Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.39%Yield on earning assets
4.52%Cost of funding earning assets
2.86%Net interest margin
0.28%Noninterest income to earning assets
1.58%Noninterest expense to earning assets
0.85%Net operating income to assets
0.88%Return on assets (ROA)
1.52%Pretax return on assets
7.35%Return on equity (ROE)
7.35%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
227.66%Credit loss provision to net charge-offs
168.09%Efficiency ratio
46,034Assets per employee
4.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.40%Loss allowance to noncurrent loans
94.19%Noncurrent assets plus other real estate owned to assets
0.35%Noncurrent loans to loans
0.43%Net loans and leases to deposits
101.08%Net loans and leases to core deposits
113.28%Equity capital to assets
12.62%Core capital (leverage) ratio
11.44%Tier 1 risk-based capital ratio
20.91%Total risk-based capital ratio
Memoranda
$22Average assets
$530,476Average earning assets
$63,367Average equity
$504,996Average loans
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