FDIC Certificate #: 28537 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Ameriana Bank (#29031) Federal Reserve ID: 316176 Date Established: January 01, 1915 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1794 FDIC's unique #: 41371 Numeric code: 37 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes Oakar Institutions: Yes State Chartered: No Date of Deposit Insurance: June 03, 1952 Last Structure Change Effective Date: October 04, 2000 Last Structure Change Process Date: October 11, 2000 Last Data Update: October 11, 2000 Data Source Date: April 05, 2012
Location
Address: 7200 Blue Ash 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: $125.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
29Total employees (full-time equivalent)
$118,858Total assets
$3,750Cash and due from depository institutions
$2,794Interest-bearing balances
$14,333Securities
$0Federal funds sold & reverse repurchase agreements
$95,908Net loans & leases
$269Loan loss allowance
$0Trading account assets
$690Bank premises and fixed assets
$0Other real estate owned
$1,303Goodwill and other intangibles
$0Life insurance assets
$2,874All other assets
$118,858Total liabilities and capital
$109,689Total liabilities
$71,205Total deposits
$69,172Interest-bearing deposits
$71,205Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$37,511Other borrowed funds
$0Subordinated debt
$973All other liabilities
$9,169Total equity capital
$9,169Total bank equity capital
$9,169Perpetual preferred stock
$0Common stock
$1Surplus
$4,434Undivided profits
Memoranda
$4,734Noncurrent loans and leases
$10,610Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$536Earning assets
$0Long-term assets (5+ years)
$390Average Assets, year-to-date
$113,035Average Assets, quarterly
$0Volatile liabilities
$100,511Insider loans
$115,017FHLB advances
$44,190Loans and leases held for sale
$320Unused loan commitments
$37,511Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,610Total unused commitments
$743Restructured Loans and leases
$269Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,809Total interest income
$4,269Total interest expense
$2,540Net interest income
$208Provision for loan and lease losses
$435Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$435Additional noninterest income
$2,112Total noninterest expense
$1,086Salaries and employee benefits
$451Premises and equipment expense
$575Additional noninterest expense
$655Pre-tax net operating income
$47Securities gains (losses)
$250Applicable income taxes
$452Income before extraordinary items
$0Extraordinary gains - net
$452Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$197Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.13%Yield on earning assets
4.47%Cost of funding earning assets
2.66%Net interest margin
0.46%Noninterest income to earning assets
2.21%Noninterest expense to earning assets
0.42%Net operating income to assets
0.45%Return on assets (ROA)
0.70%Pretax return on assets
4.86%Return on equity (ROE)
0.56%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
105.58%Credit loss provision to net charge-offs
4.38%Efficiency ratio
67,059Assets per employee
4.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.50%Loss allowance to loans
0.28%Loss allowance to noncurrent loans
50.19%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
0.56%Net loans and leases to deposits
134.69%Net loans and leases to core deposits
148.63%Equity capital to assets
7.71%Core capital (leverage) ratio
6.81%Tier 1 risk-based capital ratio
13.71%Total risk-based capital ratio
Memoranda
$14Average assets
$100,511Average earning assets
$9,295Average equity
$95,439Average loans
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