FDIC Certificate #: 31472 Status: Inactive Closing history: Corrections Acquiring institution:Peoples Community Bank (#32288) Federal Reserve ID: 524074 Date Established: December 23, 1890 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 7039 FDIC's unique #: 44306 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 31, 1985 Last Structure Change Effective Date: October 31, 1998 Last Structure Change Process Date: December 03, 1998 Last Data Update: December 20, 1999 Data Source Date: April 05, 2012
Location
Address: 112 East Main Street, Blanchester, OH 45107 County: Clinton 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 Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Wilmington, OH (#48940) CBSA Micro Statistical Area: Yes
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $8.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
3Total employees (full-time equivalent)
$8,346Total assets
$1,097Cash and due from depository institutions
$1,089Interest-bearing balances
$3,041Securities
$0Federal funds sold & reverse repurchase agreements
$4,102Net loans & leases
$5Loan loss allowance
$0Trading account assets
$11Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$95All other assets
$8,346Total liabilities and capital
$6,553Total liabilities
$6,529Total deposits
$6,529Interest-bearing deposits
$6,529Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$24All other liabilities
$1,793Total equity capital
$1,793Total bank equity capital
$1,793Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$1,793Noncurrent loans and leases
$0Noncurrent 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)
$0Average Assets, year-to-date
$8,232Average Assets, quarterly
$0Volatile liabilities
$8,346Insider loans
$8,392FHLB advances
$934Loans 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
$2,578Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$600Total interest income
$268Total interest expense
$332Net interest income
$0Provision for loan and lease losses
$6Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$6Additional noninterest income
$222Total noninterest expense
$159Salaries and employee benefits
$16Premises and equipment expense
$47Additional noninterest expense
$116Pre-tax net operating income
$0Securities gains (losses)
$37Applicable income taxes
$79Income before extraordinary items
$0Extraordinary gains - net
$79Net 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, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.30%Yield on earning assets
3.26%Cost of funding earning assets
4.04%Net interest margin
0.07%Noninterest income to earning assets
2.70%Noninterest expense to earning assets
0.95%Net operating income to assets
0.95%Return on assets (ROA)
1.39%Pretax return on assets
4.50%Return on equity (ROE)
4.50%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
65,680Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.12%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
62.83%Net loans and leases to core deposits
73.32%Equity capital to assets
21.48%Core capital (leverage) ratio
21.48%Tier 1 risk-based capital ratio
69.55%Total risk-based capital ratio
Memoranda
$70Average assets
$8,346Average earning assets
$1,756Average equity
$8,218Average loans
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