Pendleton Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 31456 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:United Midwest Savings Bank (#32441) Federal Reserve ID: 138976 Date Established: January 01, 1912 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 6998 FDIC's unique #: 44290 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: May 24, 1965 Last Structure Change Effective Date: June 28, 2002 Last Structure Change Process Date: July 10, 2002 Last Data Update: July 10, 2002 Data Source Date: April 05, 2012
Location
Address: 215 W Shelby St, Falmouth, KY 41040 County: Pendleton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Lexington Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast 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: $40.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
11Total employees (full-time equivalent)
$42,196Total assets
$9,360Cash and due from depository institutions
$8,184Interest-bearing balances
$1,346Securities
$0Federal funds sold & reverse repurchase agreements
$28,529Net loans & leases
$225Loan loss allowance
$0Trading account assets
$814Bank premises and fixed assets
$1,098Other real estate owned
$139Goodwill and other intangibles
$0Life insurance assets
$910All other assets
$42,196Total liabilities and capital
$38,284Total liabilities
$37,930Total deposits
$37,930Interest-bearing deposits
$37,930Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$354All other liabilities
$3,912Total equity capital
$3,912Total bank equity capital
$3,912Perpetual preferred stock
$0Common stock
$1Surplus
$5,152Undivided profits
Memoranda
$-1,241Noncurrent loans and leases
$1,106Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,887Earning assets
$0Long-term assets (5+ years)
$266Average Assets, year-to-date
$38,059Average Assets, quarterly
$0Volatile liabilities
$44,780Insider loans
$42,463FHLB advances
$3,935Loans and leases held for sale
$1,090Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,106Total unused commitments
$0Restructured Loans and leases
$225Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$3,200Total interest income
$1,990Total interest expense
$1,210Net interest income
$559Provision for loan and lease losses
$194Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$194Additional noninterest income
$4,237Total noninterest expense
$449Salaries and employee benefits
$230Premises and equipment expense
$3,558Additional noninterest expense
-$3,392Pre-tax net operating income
$20Securities gains (losses)
-$136Applicable income taxes
-$3,236Income before extraordinary items
$0Extraordinary gains - net
-$3,236Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$570Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.06%Yield on earning assets
5.01%Cost of funding earning assets
3.05%Net interest margin
0.49%Noninterest income to earning assets
10.67%Noninterest expense to earning assets
-7.27%Net operating income to assets
-7.23%Return on assets (ROA)
-7.53%Pretax return on assets
-54.76%Return on equity (ROE)
-54.76%Retained earnings to average equity (YTD only)
1.72%Net charge-offs to loans
98.07%Credit loss provision to net charge-offs
-4.97%Efficiency ratio
63,604Assets per employee
3.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
11.92%Noncurrent assets plus other real estate owned to assets
7.07%Noncurrent loans to loans
6.56%Net loans and leases to deposits
75.21%Net loans and leases to core deposits
83.92%Equity capital to assets
9.27%Core capital (leverage) ratio
9.27%Tier 1 risk-based capital ratio
13.66%Total risk-based capital ratio
Memoranda
$14Average assets
$44,780Average earning assets
$5,909Average equity
$39,709Average loans
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