First Financial Savings Association, FA in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 23, 1993

  • First Financial Savings Association, FA in Cincinnati, Ohio (OH)
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First Financial Savings Association, FA - Overview

  • General
  • FDIC Certificate #: 29825
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The Fifth Third Bank (#743)
    Federal Reserve ID: 362575
    Date Established: January 01, 1886
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4151
    FDIC's unique #: 42659
    Numeric code: 37
    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: July 16, 1951
    Last Structure Change Effective Date: December 23, 1993
    Last Structure Change Process Date: January 26, 1994
    Last Data Update: Febuary 03, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 3133 Madison Road, Cincinnati, OH 45209
    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
  • Financial Summary
  • Total assets: $362.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $71Total assets
  • $373,020Cash and due from depository institutions
  • $5,126Interest-bearing balances
  • $4,253Securities
  • $107,977Federal funds sold & reverse repurchase agreements
  • $17,617Net loans & leases
  • $231,222Loan loss allowance
  • $944Trading account assets
  • $0Bank premises and fixed assets
  • $3,442Other real estate owned
  • $158Goodwill and other intangibles
  • $7,413Life insurance assets
  • $65All other assets
  • $0Total liabilities and capital
  • $373,020Total liabilities
  • $332,018Total deposits
  • $319,838Interest-bearing deposits
  • $317,210Deposits held in domestic offices
  • 319838.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $10,238Subordinated debt
  • $0All other liabilities
  • $1,942Total equity capital
  • $1,942Total bank equity capital
  • $41,002Perpetual preferred stock
  • $0Common stock
  • $1,523Surplus
  • $12,935Undivided profits
  • Memoranda
  • $26,544Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,077Income earned, not collected on loans
  • $1,557Earning assets
  • $361,069Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $266,942Average Assets, quarterly
  • $376,662Volatile liabilities
  • $35,241Insider loans
  • $0FHLB advances
  • $10,238Loans and leases held for sale
  • $0Unused loan commitments
  • $2,370Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $40,585Total risk weighted assets
  • $168,672Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $24,215Total interest expense
  • $14,366Net interest income
  • $9,849Provision for loan and lease losses
  • $193Total noninterest income
  • $1,205Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,205Total noninterest expense
  • $4,676Salaries and employee benefits
  • $2,200Premises and equipment expense
  • $648Additional noninterest expense
  • $1,828Pre-tax net operating income
  • $6,185Securities gains (losses)
  • $123Applicable income taxes
  • $2,007Income before extraordinary items
  • $4,301Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,301Net charge-offs
  • $26Cash dividends
  • $1,649Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.36%Cost of funding earning assets
  • 5.55%Net interest margin
  • 3.81%Noninterest income to earning assets
  • 0.47%Noninterest expense to earning assets
  • 1.81%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 2.36%Return on equity (ROE)
  • 15.75%Retained earnings to average equity (YTD only)
  • 9.71%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 742.31%Efficiency ratio
  • 42,193Assets per employee
  • 5.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.34%Loss allowance to loans
  • 0.41%Loss allowance to noncurrent loans
  • 23.15%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 1.76%Net loans and leases to deposits
  • 72.29%Net loans and leases to core deposits
  • 78.42%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 10.89%Tier 1 risk-based capital ratio
  • 24.06%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $266,942Average earning assets
  • $27,304Average equity
  • $258,708Average loans

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