First Federal Bank in Bowling Green, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 17, 1999

  • First Federal Bank in Bowling Green, Ohio (OH)
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First Federal Bank - Overview

  • General
  • FDIC Certificate #: 27878
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Sky Bank-Mid AM Region (#17075)
    Federal Reserve ID: 608974
    Date Established: January 01, 1923
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 459
    FDIC's unique #: 40712
    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: April 06, 1937
    Last Structure Change Effective Date: July 17, 1999
    Last Structure Change Process Date: August 11, 1999
    Last Data Update: August 11, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 East Court Street, Bowling Green, OH 43402
    County: Wood
    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): Toledo, OH (#8400)
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • Financial Summary
  • Total assets: $161.9 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
  • 49Total employees (full-time equivalent)
  • $169,878Total assets
  • $10,359Cash and due from depository institutions
  • $8,983Interest-bearing balances
  • $15,747Securities
  • $1,912Federal funds sold & reverse repurchase agreements
  • $136,088Net loans & leases
  • $658Loan loss allowance
  • $0Trading account assets
  • $2,646Bank premises and fixed assets
  • $30Other real estate owned
  • $613Goodwill and other intangibles
  • $0Life insurance assets
  • $2,483All other assets
  • $169,878Total liabilities and capital
  • $154,283Total liabilities
  • $140,664Total deposits
  • $133,151Interest-bearing deposits
  • $140,664Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $11,936Other borrowed funds
  • $0Subordinated debt
  • $1,683All other liabilities
  • $15,595Total equity capital
  • $15,595Total bank equity capital
  • $15,595Perpetual preferred stock
  • $0Common stock
  • $11Surplus
  • $6,187Undivided profits
  • Memoranda
  • $9,397Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $286Earning assets
  • $0Long-term assets (5+ years)
  • $703Average Assets, year-to-date
  • $162,730Average Assets, quarterly
  • $0Volatile liabilities
  • $164,733Insider loans
  • $166,899FHLB advances
  • $32,909Loans and leases held for sale
  • $765Unused loan commitments
  • $11,515Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $17,352Total unused commitments
  • $0Restructured Loans and leases
  • $107,962Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $13,111Total interest income
  • $6,371Total interest expense
  • $6,740Net interest income
  • $120Provision for loan and lease losses
  • $805Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $805Additional noninterest income
  • $4,265Total noninterest expense
  • $2,581Salaries and employee benefits
  • $801Premises and equipment expense
  • $883Additional noninterest expense
  • $3,160Pre-tax net operating income
  • $956Securities gains (losses)
  • $1,664Applicable income taxes
  • $2,452Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,452Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $3,000Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.39%Yield on earning assets
  • 4.08%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.73%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 2.50%Pretax return on assets
  • 16.11%Return on equity (ROE)
  • -3.60%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 500.00%Credit loss provision to net charge-offs
  • 136.67%Efficiency ratio
  • 56,528Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 122.35%Loss allowance to loans
  • 0.48%Loss allowance to noncurrent loans
  • 230.07%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 96.75%Net loans and leases to core deposits
  • 113.70%Equity capital to assets
  • 9.18%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 14.34%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $164,733Average earning assets
  • $15,224Average equity
  • $156,302Average loans

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