FDIC Certificate #: 27736 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Bramble Savings Bank (#27808) Federal Reserve ID: 225773 Date Established: January 01, 1904 WWW:http://www.1stsavingsbank.com Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 199 FDIC's unique #: 40570 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: October 21, 1955 Last Structure Change Effective Date: March 27, 2004 Last Structure Change Process Date: April 02, 2004 Last Data Update: April 02, 2004 Data Source Date: April 05, 2012
Location
Address: 4600 Montgomery Road, Suite 102, 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)
Financial Summary
Total assets: $25.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2003)
Dollar figures in thousands
13Total employees (full-time equivalent)
$24,973Total assets
$1,976Cash and due from depository institutions
$1,213Interest-bearing balances
$10Securities
$2,144Federal funds sold & reverse repurchase agreements
$19,681Net loans & leases
$192Loan loss allowance
$0Trading account assets
$106Bank premises and fixed assets
$122Other real estate owned
$144Goodwill and other intangibles
$0Life insurance assets
$790All other assets
$24,973Total liabilities and capital
$23,990Total liabilities
$23,832Total deposits
$21,985Interest-bearing deposits
$23,832Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$158All other liabilities
$983Total equity capital
$983Total bank equity capital
$983Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$983Noncurrent loans and leases
$760Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$574Earning assets
$0Long-term assets (5+ years)
$143Average Assets, year-to-date
$23,048Average Assets, quarterly
$1,800Volatile liabilities
$26,391Insider loans
$24,857FHLB advances
$1,964Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$760Total unused commitments
$260Restructured Loans and leases
$164Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$1,244Total interest income
$468Total interest expense
$776Net interest income
$18Provision for loan and lease losses
$108Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$76Additional noninterest income
$1,813Total noninterest expense
$563Salaries and employee benefits
$233Premises and equipment expense
$1,017Additional noninterest expense
-$947Pre-tax net operating income
$0Securities gains (losses)
-$160Applicable income taxes
-$787Income before extraordinary items
$0Extraordinary gains - net
-$787Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$36Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.97%Cost of funding earning assets
3.26%Net interest margin
0.45%Noninterest income to earning assets
7.62%Noninterest expense to earning assets
-2.98%Net operating income to assets
-2.98%Return on assets (ROA)
-3.59%Pretax return on assets
-57.07%Return on equity (ROE)
-57.07%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
50.00%Credit loss provision to net charge-offs
-25.81%Efficiency ratio
203,281Assets per employee
1.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.97%Loss allowance to noncurrent loans
33.45%Noncurrent assets plus other real estate owned to assets
2.79%Noncurrent loans to loans
2.89%Net loans and leases to deposits
82.58%Net loans and leases to core deposits
90.00%Equity capital to assets
3.94%Core capital (leverage) ratio
3.71%Tier 1 risk-based capital ratio
7.06%Total risk-based capital ratio
Memoranda
$8Average assets
$26,391Average earning assets
$1,379Average equity
$23,778Average loans
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