FDIC Certificate #: 31529 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peoples Community Bank (#32288) Federal Reserve ID: 260970 Date Established: January 01, 1889 WWW:http://www.msbbank.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 7125 FDIC's unique #: 44363 Numeric code: 35 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: December 10, 1976 Last Structure Change Effective Date: June 09, 2006 Last Structure Change Process Date: June 30, 2006 Last Data Update: June 30, 2006 Data Source Date: April 05, 2012
Location
Address: 8001 Kenwood Road, Cincinnati, OH 45236 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: $55.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
20Total employees (full-time equivalent)
$54,173Total assets
$3,950Cash and due from depository institutions
$3,051Interest-bearing balances
$7,334Securities
$0Federal funds sold & reverse repurchase agreements
$37,019Net loans & leases
$291Loan loss allowance
$0Trading account assets
$2,903Bank premises and fixed assets
$23Other real estate owned
$607Goodwill and other intangibles
$1,297Life insurance assets
$2,337All other assets
$54,173Total liabilities and capital
$47,215Total liabilities
$45,007Total deposits
$44,247Interest-bearing deposits
$45,007Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,574Other borrowed funds
$0Subordinated debt
$634All other liabilities
$6,958Total equity capital
$6,958Total bank equity capital
$6,958Perpetual preferred stock
$0Common stock
$93Surplus
$0Undivided profits
Memoranda
$6,865Noncurrent loans and leases
$10,543Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$646Earning assets
$0Long-term assets (5+ years)
$250Average Assets, year-to-date
$47,404Average Assets, quarterly
$0Volatile liabilities
$57,001Insider loans
$54,278FHLB advances
$11,739Loans and leases held for sale
$1,242Unused loan commitments
$1,574Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,543Total unused commitments
$172Restructured Loans and leases
$630Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$2,972Total interest income
$1,075Total interest expense
$1,897Net interest income
$0Provision for loan and lease losses
$520Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$520Additional noninterest income
$2,415Total noninterest expense
$1,382Salaries and employee benefits
$627Premises and equipment expense
$406Additional noninterest expense
$2Pre-tax net operating income
$127Securities gains (losses)
-$14Applicable income taxes
$143Income before extraordinary items
$0Extraordinary gains - net
$143Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$10Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.93%Yield on earning assets
2.15%Cost of funding earning assets
3.79%Net interest margin
1.04%Noninterest income to earning assets
4.82%Noninterest expense to earning assets
0.03%Net operating income to assets
0.25%Return on assets (ROA)
0.23%Pretax return on assets
2.01%Return on equity (ROE)
-0.10%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.20%Efficiency ratio
99,917Assets per employee
2.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
104.90%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
45.05%Noncurrent assets plus other real estate owned to assets
1.23%Noncurrent loans to loans
1.73%Net loans and leases to deposits
82.25%Net loans and leases to core deposits
106.25%Equity capital to assets
12.84%Core capital (leverage) ratio
12.32%Tier 1 risk-based capital ratio
18.25%Total risk-based capital ratio
Memoranda
$20Average assets
$57,001Average earning assets
$7,099Average equity
$50,113Average loans
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