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

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

  • General
  • FDIC Certificate #: 29323
    Status: Active
    Federal Reserve ID: 58177
    Date Established: January 01, 1895
    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
  • Location
  • Address: 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 Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total 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
  • 18Total employees (full-time equivalent)
  • $70,481Total assets
  • $10,073Cash and due from depository institutions
  • $9,474Interest-bearing balances
  • $440Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,002Net loans & leases
  • $1,278Loan loss allowance
  • $0Trading account assets
  • $3,471Bank premises and fixed assets
  • $1,686Other real estate owned
  • $24Goodwill and other intangibles
  • $70,481Life insurance assets
  • $4,785All other assets
  • $63,771Total liabilities and capital
  • $59,816Total liabilities
  • $58,640Total deposits
  • $59,816Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,500Trading liabilities
  • $0Other borrowed funds
  • $1,455Subordinated debt
  • $6,710All other liabilities
  • $6,710Total equity capital
  • $6,710Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,710Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,002Income earned, not collected on loans
  • $0Earning assets
  • $554Long-term assets (5+ years)
  • $59,916Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $73,301Volatile liabilities
  • $71,120Insider loans
  • $49,026FHLB advances
  • $70,457Loans and leases held for sale
  • $3,012Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,153Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,350Restructured Loans and leases
  • $767Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,554Total interest income
  • $1,219Total interest expense
  • $2,335Net interest income
  • $0Provision for loan and lease losses
  • $155Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $155Additional noninterest income
  • $2,395Total noninterest expense
  • $1,241Salaries and employee benefits
  • $434Premises and equipment expense
  • $720Additional noninterest expense
  • $95Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $95Income before extraordinary items
  • $0Extraordinary gains - net
  • $95Net income attributable to bank
  • $0Net charge-offs
  • $95Cash dividends
  • $125Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.64%Yield on earning assets
  • 1.93%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 3.80%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 1.44%Return on equity (ROE)
  • 1.44%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.76%Efficiency ratio
  • 96,185Assets per employee
  • 3.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.49%Loss allowance to noncurrent loans
  • 42.57%Noncurrent assets plus other real estate owned to assets
  • 6.65%Noncurrent loans to loans
  • 5.85%Net loans and leases to deposits
  • 83.59%Net loans and leases to core deposits
  • 91.67%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 14.59%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $73,301Average earning assets
  • $6,602Average equity
  • $63,001Average loans

List of branches

  • 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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