The Oakley Improved Building and Loan Company in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 29, 2000

  • The Oakley Improved Building and Loan Company in Cincinnati, Ohio (OH)
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The Oakley Improved Building and Loan Company - Overview

  • General
  • FDIC Certificate #: 32297
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Peoples Community Bank (#32288)
    Federal Reserve ID: 25973
    Date Established: March 20, 1908
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 8111
    FDIC's unique #: 45131
    Numeric code: 36
    Regulator: OTS
    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: March 27, 1985
    Last Structure Change Effective Date: March 29, 2000
    Last Structure Change Process Date: May 15, 2000
    Last Data Update: May 15, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 3924 Isabella Avenue, Cincinnati, OH 45209
    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: $19.4 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, 1999)

  • Dollar figures in thousands
  • 5Total employees (full-time equivalent)
  • $19,372Total assets
  • $1,025Cash and due from depository institutions
  • $490Interest-bearing balances
  • $2,360Securities
  • $1,900Federal funds sold & reverse repurchase agreements
  • $13,773Net loans & leases
  • $53Loan loss allowance
  • $0Trading account assets
  • $24Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $290All other assets
  • $19,372Total liabilities and capital
  • $16,613Total liabilities
  • $15,872Total deposits
  • $15,872Interest-bearing deposits
  • $15,872Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $741All other liabilities
  • $2,759Total equity capital
  • $2,759Total bank equity capital
  • $2,759Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $2,759Noncurrent loans and leases
  • $1,699Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $69Average Assets, year-to-date
  • $18,523Average Assets, quarterly
  • $0Volatile liabilities
  • $17,807Insider loans
  • $18,195FHLB advances
  • $3,316Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,699Total unused commitments
  • $0Restructured Loans and leases
  • $833Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $1,086Total interest income
  • $667Total interest expense
  • $419Net interest income
  • $28Provision for loan and lease losses
  • $48Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48Additional noninterest income
  • $488Total noninterest expense
  • $400Salaries and employee benefits
  • $19Premises and equipment expense
  • $69Additional noninterest expense
  • -$49Pre-tax net operating income
  • $0Securities gains (losses)
  • $12Applicable income taxes
  • -$61Income before extraordinary items
  • $0Extraordinary gains - net
  • -$61Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.27%Yield on earning assets
  • 3.85%Cost of funding earning assets
  • 2.42%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.82%Noninterest expense to earning assets
  • -0.34%Net operating income to assets
  • -0.34%Return on assets (ROA)
  • -0.28%Pretax return on assets
  • -2.02%Return on equity (ROE)
  • -2.02%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 104,497Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.38%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 86.78%Net loans and leases to core deposits
  • 109.69%Equity capital to assets
  • 14.24%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 17.70%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $17,807Average earning assets
  • $3,022Average equity
  • $17,322Average loans

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