FDIC Certificate #: 31149 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peoples Community Bank (#32288) Federal Reserve ID: 705677 Date Established: January 01, 1887 WWW:http://www.peoplesfederalsavings.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 6459 FDIC's unique #: 43983 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: October 03, 1960 Last Structure Change Effective Date: December 16, 2005 Last Structure Change Process Date: January 11, 2006 Last Data Update: January 11, 2006 Data Source Date: April 05, 2012
Location
Address: Second & Bridgeway Sts, Aurora, IN 47001 County: Dearborn Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Indianapolis 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: $130.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
33Total employees (full-time equivalent)
$130,049Total assets
$7,746Cash and due from depository institutions
$6,566Interest-bearing balances
$5,157Securities
$0Federal funds sold & reverse repurchase agreements
$114,726Net loans & leases
$833Loan loss allowance
$0Trading account assets
$940Bank premises and fixed assets
$0Other real estate owned
$33Goodwill and other intangibles
$0Life insurance assets
$1,447All other assets
$130,049Total liabilities and capital
$107,279Total liabilities
$87,899Total deposits
$83,298Interest-bearing deposits
$87,899Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$18,230Other borrowed funds
$0Subordinated debt
$1,150All other liabilities
$22,770Total equity capital
$22,770Total bank equity capital
$22,770Perpetual preferred stock
$0Common stock
$0Surplus
$7,508Undivided profits
Memoranda
$15,262Noncurrent loans and leases
$10,666Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$983Earning assets
$0Long-term assets (5+ years)
$441Average Assets, year-to-date
$126,449Average Assets, quarterly
$0Volatile liabilities
$120,968Insider loans
$126,684FHLB advances
$43,348Loans and leases held for sale
$102Unused loan commitments
$17,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,666Total unused commitments
$0Restructured Loans and leases
$1,514Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,707Total interest income
$1,735Total interest expense
$3,972Net interest income
$96Provision for loan and lease losses
$556Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$556Additional noninterest income
$2,850Total noninterest expense
$1,842Salaries and employee benefits
$526Premises and equipment expense
$482Additional noninterest expense
$1,582Pre-tax net operating income
$0Securities gains (losses)
$633Applicable income taxes
$949Income before extraordinary items
$0Extraordinary gains - net
$949Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$34Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.86%Yield on earning assets
1.48%Cost of funding earning assets
3.38%Net interest margin
0.47%Noninterest income to earning assets
2.43%Noninterest expense to earning assets
0.78%Net operating income to assets
0.78%Return on assets (ROA)
1.31%Pretax return on assets
4.32%Return on equity (ROE)
4.32%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
282.35%Credit loss provision to net charge-offs
49.35%Efficiency ratio
61,970Assets per employee
3.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.72%Loss allowance to noncurrent loans
84.74%Noncurrent assets plus other real estate owned to assets
0.76%Noncurrent loans to loans
0.85%Net loans and leases to deposits
130.52%Net loans and leases to core deposits
182.74%Equity capital to assets
17.51%Core capital (leverage) ratio
16.92%Tier 1 risk-based capital ratio
26.84%Total risk-based capital ratio
Memoranda
$29Average assets
$120,968Average earning assets
$21,977Average equity
$117,388Average loans
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