Patriot Federal Savings Bank in Harrison, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 1995

  • Patriot Federal Savings Bank in Harrison, Ohio (OH)
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Patriot Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 33576
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The Merchants Bank and Trust Company (#13351)
    Federal Reserve ID: 1942714
    Date Established: March 13, 1992
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 9724
    FDIC's unique #: 47521
    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: March 13, 1992
    Last Structure Change Effective Date: September 01, 1995
    Last Structure Change Process Date: October 03, 1995
    Last Data Update: December 22, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1157 Harrison Avenue, Harrison, OH 45030
    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
  • Absorption - Without Assistance
  • Financial Summary
  • Total assets: $18.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $9Total assets
  • $26,129Cash and due from depository institutions
  • $782Interest-bearing balances
  • $447Securities
  • $6,904Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $16,733Loan loss allowance
  • $520Trading account assets
  • $0Bank premises and fixed assets
  • $169Other real estate owned
  • $682Goodwill and other intangibles
  • $468Life insurance assets
  • $391All other assets
  • $0Total liabilities and capital
  • $26,129Total liabilities
  • $24,610Total deposits
  • $22,724Interest-bearing deposits
  • $22,344Deposits held in domestic offices
  • 22724.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,750Subordinated debt
  • $0All other liabilities
  • $136Total equity capital
  • $136Total bank equity capital
  • $1,519Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,687Undivided profits
  • Memoranda
  • $-1,168Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $635Income earned, not collected on loans
  • $149Earning assets
  • $24,084Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $26,334Average Assets, quarterly
  • $26,379Volatile liabilities
  • $3,014Insider loans
  • $0FHLB advances
  • $1,750Loans and leases held for sale
  • $0Unused loan commitments
  • $1,064Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,783Total risk weighted assets
  • $14,604Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,697Total interest expense
  • $1,123Net interest income
  • $574Provision for loan and lease losses
  • $36Total noninterest income
  • $127Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $127Total noninterest expense
  • $705Salaries and employee benefits
  • $187Premises and equipment expense
  • $163Additional noninterest expense
  • $355Pre-tax net operating income
  • -$40Securities gains (losses)
  • $0Applicable income taxes
  • -$2Income before extraordinary items
  • -$38Extraordinary gains - net
  • $0Net income attributable to bank
  • -$38Net charge-offs
  • $15Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.01%Cost of funding earning assets
  • 4.64%Net interest margin
  • 2.37%Noninterest income to earning assets
  • 0.52%Noninterest expense to earning assets
  • 2.91%Net operating income to assets
  • -0.14%Return on assets (ROA)
  • -0.14%Pretax return on assets
  • -0.15%Return on equity (ROE)
  • -2.10%Retained earnings to average equity (YTD only)
  • -2.10%Net charge-offs to loans
  • 0.09%Credit loss provision to net charge-offs
  • 240.00%Efficiency ratio
  • 90,870Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.01%Loss allowance to noncurrent loans
  • 81.89%Noncurrent assets plus other real estate owned to assets
  • 2.43%Noncurrent loans to loans
  • 3.68%Net loans and leases to deposits
  • 73.64%Net loans and leases to core deposits
  • 77.97%Equity capital to assets
  • 5.81%Core capital (leverage) ratio
  • 6.76%Tier 1 risk-based capital ratio
  • 12.21%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $26,334Average earning assets
  • $1,812Average equity
  • $24,200Average loans

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