The Findlay Savings Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 19, 2002

  • The Findlay Savings Bank in Cincinnati, Ohio (OH)
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The Findlay Savings Bank - Overview

  • General
  • FDIC Certificate #: 28623
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Foundation Bank (#28724)
    Federal Reserve ID: 615075
    Date Established: January 01, 1882
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Interstate: No)
    OTS Docket #: 1975
    FDIC's unique #: 41457
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 29, 1959
    Last Structure Change Effective Date: September 19, 2002
    Last Structure Change Process Date: October 16, 2002
    Last Data Update: October 16, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 9960 Springfield Pike, Cincinnati, OH 45215
    County: Hamilton
    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)
  • Financial Summary
  • Total assets: $9.6 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, 2001)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $10,720Total assets
  • $572Cash and due from depository institutions
  • $138Interest-bearing balances
  • $4,540Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $4,671Net loans & leases
  • $89Loan loss allowance
  • $0Trading account assets
  • $242Bank premises and fixed assets
  • $31Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $664All other assets
  • $10,720Total liabilities and capital
  • $9,959Total liabilities
  • $9,861Total deposits
  • $9,520Interest-bearing deposits
  • $9,861Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $98All other liabilities
  • $761Total equity capital
  • $761Total bank equity capital
  • $761Perpetual preferred stock
  • $0Common stock
  • $38Surplus
  • $1,226Undivided profits
  • Memoranda
  • $-503Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $107Earning assets
  • $0Long-term assets (5+ years)
  • $52Average Assets, year-to-date
  • $9,349Average Assets, quarterly
  • $9,208Volatile liabilities
  • $12,299Insider loans
  • $11,316FHLB advances
  • $1,938Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $38Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $723Total interest income
  • $599Total interest expense
  • $124Net interest income
  • $36Provision for loan and lease losses
  • $199Total noninterest income
  • $0Fiduciary activities
  • $21Service charges on deposit accounts
  • $0Trading account gains & fees
  • $178Additional noninterest income
  • $680Total noninterest expense
  • $291Salaries and employee benefits
  • $142Premises and equipment expense
  • $247Additional noninterest expense
  • -$393Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$393Income before extraordinary items
  • $0Extraordinary gains - net
  • -$393Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.31%Yield on earning assets
  • 6.05%Cost of funding earning assets
  • 1.25%Net interest margin
  • 2.01%Noninterest income to earning assets
  • 6.87%Noninterest expense to earning assets
  • -3.20%Net operating income to assets
  • -3.20%Return on assets (ROA)
  • -3.20%Pretax return on assets
  • -40.83%Return on equity (ROE)
  • -40.83%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 116.13%Credit loss provision to net charge-offs
  • -11.52%Efficiency ratio
  • 210,526Assets per employee
  • 2.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 83.18%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 2.25%Net loans and leases to deposits
  • 47.37%Net loans and leases to core deposits
  • 58.95%Equity capital to assets
  • 7.10%Core capital (leverage) ratio
  • 7.60%Tier 1 risk-based capital ratio
  • 29.10%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $12,299Average earning assets
  • $963Average equity
  • $9,894Average loans

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