Perpetual Federal Savings and Loan Association in Lawrenceburg, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 12, 1999

  • Perpetual Federal Savings and Loan Association in Lawrenceburg, Indiana (IN)
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Perpetual Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28627
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: United Community Bank (#29620)
    Federal Reserve ID: 431677
    Date Established: January 01, 1894
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1986
    FDIC's unique #: 41461
    Numeric code: 38
    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: January 13, 1937
    Last Structure Change Effective Date: April 12, 1999
    Last Structure Change Process Date: May 14, 1999
    Last Data Update: May 14, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 230 Walnut St, Lawrenceburg, IN 47025
    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: $118.5 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, 1998)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $112,364Total assets
  • $2,471Cash and due from depository institutions
  • $2,238Interest-bearing balances
  • $19,831Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,250Net loans & leases
  • $435Loan loss allowance
  • $0Trading account assets
  • $2,143Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,669All other assets
  • $112,364Total liabilities and capital
  • $101,940Total liabilities
  • $92,305Total deposits
  • $90,272Interest-bearing deposits
  • $92,305Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $8,000Other borrowed funds
  • $0Subordinated debt
  • $1,635All other liabilities
  • $10,424Total equity capital
  • $10,424Total bank equity capital
  • $10,424Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $10,424Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $709Earning assets
  • $0Long-term assets (5+ years)
  • $423Average Assets, year-to-date
  • $108,319Average Assets, quarterly
  • $0Volatile liabilities
  • $109,254Insider loans
  • $110,564FHLB advances
  • $35,457Loans and leases held for sale
  • $3,328Unused loan commitments
  • $8,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,534Total unused commitments
  • $0Restructured Loans and leases
  • $73,673Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $8,326Total interest income
  • $4,952Total interest expense
  • $3,374Net interest income
  • $48Provision for loan and lease losses
  • $289Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $289Additional noninterest income
  • $2,045Total noninterest expense
  • $1,134Salaries and employee benefits
  • $412Premises and equipment expense
  • $499Additional noninterest expense
  • $1,570Pre-tax net operating income
  • $1Securities gains (losses)
  • $624Applicable income taxes
  • $947Income before extraordinary items
  • -$10Extraordinary gains - net
  • $937Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $28Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.91%Yield on earning assets
  • 4.70%Cost of funding earning assets
  • 3.20%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 1.94%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 9.78%Return on equity (ROE)
  • 9.78%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 171.43%Credit loss provision to net charge-offs
  • 57.79%Efficiency ratio
  • 55,829Assets per employee
  • 4.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.50%Loss allowance to noncurrent loans
  • 61.35%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 93.44%Net loans and leases to core deposits
  • 133.00%Equity capital to assets
  • 9.28%Core capital (leverage) ratio
  • 7.82%Tier 1 risk-based capital ratio
  • 11.73%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $109,254Average earning assets
  • $9,576Average equity
  • $105,323Average loans

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