FDIC Certificate #: 27968 Status: Active Federal Reserve ID: 445777 Date Established: January 01, 1886 WWW:http://www.mwslcincy.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 644 FDIC's unique #: 40802 Numeric code: 36 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: May 07, 1951 Last Structure Change Effective Date: January 04, 2012 Last Structure Change Process Date: March 07, 2012 Last Data Update: March 07, 2012 Data Source Date: April 05, 2012
Location
Address: 2110 Beechmont Ave, Cincinnati, OH 45230 County: Hamilton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Cincinnati 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
Name Change
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $84.1 mil Equity capital: $14.8 mil Deposits held in domestic offices: $62.1 mil Return on assets (ROA): -0.02% (-$0.0 mil) Quarterly return on assets: -0.33% (-$0.3 mil) Return on Equity (ROE): -0.09% (-$0.0 mil) Quarterly return on equity: -1.86% (-$0.3 mil) Net income: -$0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.08% (-$67.3 mil) Quarterly Pretax return on assets: -0.61% (-$513.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
10Total employees (full-time equivalent)
$84,132Total assets
$9,758Cash and due from depository institutions
$9,677Interest-bearing balances
$6,587Securities
$0Federal funds sold & reverse repurchase agreements
$62,264Net loans & leases
$613Loan loss allowance
$0Trading account assets
$192Bank premises and fixed assets
$716Other real estate owned
$0Goodwill and other intangibles
$84,132Life insurance assets
$4,615All other assets
$69,329Total liabilities and capital
$62,058Total liabilities
$62,058Total deposits
$62,058Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,458Trading liabilities
$0Other borrowed funds
$813Subordinated debt
$14,803All other liabilities
$14,803Total equity capital
$14,803Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$14,803Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,571Income earned, not collected on loans
$0Earning assets
$218Long-term assets (5+ years)
$78,528Average Assets, year-to-date
$0Average Assets, quarterly
$78,436Volatile liabilities
$84,433Insider loans
$44,733FHLB advances
$84,058Loans and leases held for sale
$2,756Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,729Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$199Restructured Loans and leases
$1,416Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,659Total interest income
$1,225Total interest expense
$2,434Net interest income
$408Provision for loan and lease losses
$75Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$75Additional noninterest income
$2,157Total noninterest expense
$947Salaries and employee benefits
$108Premises and equipment expense
$1,102Additional noninterest expense
-$56Pre-tax net operating income
-$9Securities gains (losses)
-$51Applicable income taxes
-$14Income before extraordinary items
$0Extraordinary gains - net
-$14Net income attributable to bank
$0Net charge-offs
-$14Cash dividends
$275Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.01%Yield on earning assets
1.68%Cost of funding earning assets
3.33%Net interest margin
0.10%Noninterest income to earning assets
2.95%Noninterest expense to earning assets
-0.01%Net operating income to assets
-0.02%Return on assets (ROA)
-0.08%Pretax return on assets
-0.09%Return on equity (ROE)
-0.09%Retained earnings to average equity (YTD only)
0.43%Net charge-offs to loans
148.36%Credit loss provision to net charge-offs
1.28%Efficiency ratio
85,971Assets per employee
8.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.97%Loss allowance to noncurrent loans
23.84%Noncurrent assets plus other real estate owned to assets
3.91%Noncurrent loans to loans
4.09%Net loans and leases to deposits
100.33%Net loans and leases to core deposits
104.97%Equity capital to assets
17.59%Core capital (leverage) ratio
17.52%Tier 1 risk-based capital ratio
32.93%Total risk-based capital ratio
Memoranda
$34Average assets
$78,436Average earning assets
$14,765Average equity
$73,020Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
40802
Mt Washington Savings Bank
2110 Beechmont Ave, Cincinnati, OH 45230
January 01, 1886
Full Service Brick and Mortar
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