FDIC Certificate #: 27947 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peoples Community Bank (#32288) Federal Reserve ID: 566074 Date Established: January 01, 1883 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 600 FDIC's unique #: 40781 Numeric code: 35 Regulator: OTS 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: August 23, 1935 Last Structure Change Effective Date: March 30, 2001 Last Structure Change Process Date: April 12, 2001 Last Data Update: April 12, 2001 Data Source Date: April 05, 2012
Location
Address: 7522 Hamilton Avenue, Mount Healthy, OH 45231 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: $56.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
10Total employees (full-time equivalent)
$56,897Total assets
$1,234Cash and due from depository institutions
$486Interest-bearing balances
$14,665Securities
$250Federal funds sold & reverse repurchase agreements
$38,385Net loans & leases
$52Loan loss allowance
$0Trading account assets
$1,457Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$906All other assets
$56,897Total liabilities and capital
$43,270Total liabilities
$41,691Total deposits
$41,517Interest-bearing deposits
$41,691Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$680Other borrowed funds
$0Subordinated debt
$899All other liabilities
$13,627Total equity capital
$13,627Total bank equity capital
$13,627Perpetual preferred stock
$0Common stock
$1Surplus
$6,474Undivided profits
Memoranda
$7,152Noncurrent loans and leases
$298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$126Earning assets
$0Long-term assets (5+ years)
$151Average Assets, year-to-date
$53,786Average Assets, quarterly
$0Volatile liabilities
$55,805Insider loans
$56,356FHLB advances
$4,173Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$298Total unused commitments
$0Restructured Loans and leases
$708Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$3,779Total interest income
$1,991Total interest expense
$1,788Net interest income
$0Provision for loan and lease losses
$67Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$67Additional noninterest income
$1,169Total noninterest expense
$642Salaries and employee benefits
$198Premises and equipment expense
$329Additional noninterest expense
$686Pre-tax net operating income
$0Securities gains (losses)
$233Applicable income taxes
$453Income before extraordinary items
$0Extraordinary gains - net
$453Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$500Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.15%Yield on earning assets
3.77%Cost of funding earning assets
3.38%Net interest margin
0.13%Noninterest income to earning assets
2.21%Noninterest expense to earning assets
0.81%Net operating income to assets
0.81%Return on assets (ROA)
1.23%Pretax return on assets
3.36%Return on equity (ROE)
-0.35%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
63,019Assets per employee
5.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
110.38%Loss allowance to loans
0.14%Loss allowance to noncurrent loans
41.27%Noncurrent assets plus other real estate owned to assets
0.22%Noncurrent loans to loans
0.33%Net loans and leases to deposits
92.07%Net loans and leases to core deposits
100.49%Equity capital to assets
23.95%Core capital (leverage) ratio
22.85%Tier 1 risk-based capital ratio
41.66%Total risk-based capital ratio
Memoranda
$44Average assets
$55,805Average earning assets
$13,472Average equity
$52,866Average loans
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