Ripley Federal Savings Bank in Ripley, Ohio (OH)



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Ripley Federal Savings Bank
GeneralFDIC Certificate #: 29323
Status: Active
Federal Reserve ID: 58177
Date Established: January 01, 1895
WWW: http://www.ripleyfederal.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 3280
FDIC's unique #: 42157
Numeric code: 38
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: September 07, 1935
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 1006 S Second St, Ripley, OH 45167
County: Brown
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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal assets: $70.5 mil
Equity capital: $6.7 mil
Deposits held in domestic offices: $59.8 mil
Return on assets (ROA): 0.13% ($0.1 mil)
Quarterly return on assets: 0.45% ($0.3 mil)
Return on Equity (ROE): 1.44% ($0.1 mil)
Quarterly return on equity: 4.80% ($0.3 mil)
Net income: $0.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.13% ($91.6 mil)
Quarterly Pretax return on assets: 0.45% ($317.2 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)
Total employees (full-time equivalent)18
Total assets$70,481
Cash and due from depository institutions$10,073
Interest-bearing balances$9,474
Securities$440
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$50,002
Loan loss allowance $1,278
Trading account assets$0
Bank premises and fixed assets$3,471
Other real estate owned$1,686
Goodwill and other intangibles$24
All other assets$4,785
Life insurance assets$70,481
Total liabilities and capital$63,771
Total liabilities$59,816
Total deposits$58,640
Interest-bearing deposits$59,816
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,500
Other borrowed funds $0
Subordinated debt $1,455
All other liabilities $6,710
Total equity capital$6,710
Total bank equity capital$6,710
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $6,710
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,002
Earning assets $0
Long-term assets (5+ years) $554
Average Assets, year-to-date $59,916
Average Assets, quarterly $0
Volatile liabilities $73,301
Insider loans $71,120
FHLB advances $49,026
Loans and leases held for sale $70,457
Unused loan commitments $3,012
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,153
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,350
Derivatives$767
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,554
Total interest expense $1,219
Net interest income $2,335
Provision for loan and lease losses $0
Total noninterest income $155
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $155
Total noninterest expense $2,395
Salaries and employee benefits $1,241
Premises and equipment expense $434
Additional noninterest expense $720
Pre-tax net operating income $95
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $95
Extraordinary gains - net $0
Net income attributable to bank $95
Net charge-offs $0
Cash dividends $95
Sale, conversion, retirement of capital stock, net $125
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.64%
Cost of funding earning assets 1.93%
Net interest margin 3.71%
Noninterest income to earning assets 0.25%
Noninterest expense to earning assets 3.80%
Net operating income to assets 0.13%
Return on assets (ROA) 0.13%
Pretax return on assets 0.13%
Return on equity (ROE) 1.44%
Retained earnings to average equity (YTD only) 1.44%
Net charge-offs to loans 0.23%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.76%
Assets per employee$96,185
Cash dividends to net income (YTD only)3.92%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.49%
Noncurrent assets plus other real estate owned to assets 42.57%
Noncurrent loans to loans 6.65%
Net loans and leases to deposits5.85%
Net loans and leases to core deposits 83.59%
Equity capital to assets 91.67%
Core capital (leverage) ratio 9.52%
Tier 1 risk-based capital ratio 10.15%
Total risk-based capital ratio 14.59%
Memoranda
Average assets$16
Average earning assets$73,301
Average equity $6,602
Average loans $63,001
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2 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
042157Ripley Federal Savings Bank1006 S Second St, Ripley, OH 45167January 01, 1895Full Service Brick and Mortar
1274537200 E State St Branch200 E State St, Georgetown, OH 45121January 01, 1895Full Service Brick and Mortar
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