FDIC Certificate #: 9645 Status: Inactive Closing history: Corrections Acquiring institution:Peoples Community Bank (#32288) Federal Reserve ID: 281845 Date Established: January 01, 1905 WWW:http://www.asbebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 6167 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 10, 2005 Last Structure Change Process Date: June 22, 2005 Last Data Update: June 22, 2005 Data Source Date: April 05, 2012
Location
Address: 131 Walnut Street, Lawrenceburg, IN 47025 County: Dearborn Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Indianapolis 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)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $67.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
29Total employees (full-time equivalent)
$66,325Total assets
$5,473Cash and due from depository institutions
$2,582Interest-bearing balances
$9,897Securities
$275Federal funds sold & reverse repurchase agreements
$47,592Net loans & leases
$790Loan loss allowance
$0Trading account assets
$1,128Bank premises and fixed assets
$280Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,680All other assets
$66,325Total liabilities and capital
$60,704Total liabilities
$56,941Total deposits
$49,685Interest-bearing deposits
$56,941Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,210Other borrowed funds
$0Subordinated debt
$553All other liabilities
$5,621Total equity capital
$5,621Total bank equity capital
$5,621Perpetual preferred stock
$0Common stock
$200Surplus
$3,245Undivided profits
Memoranda
$2,176Noncurrent loans and leases
$3,579Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,128Earning assets
$0Long-term assets (5+ years)
$345Average Assets, year-to-date
$60,346Average Assets, quarterly
$14,617Volatile liabilities
$66,353Insider loans
$66,928FHLB advances
$18,497Loans and leases held for sale
$5Unused loan commitments
$2,974Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,579Total unused commitments
$0Restructured Loans and leases
$553Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$3,850Total interest income
$918Total interest expense
$2,932Net interest income
$303Provision for loan and lease losses
$646Total noninterest income
$68Fiduciary activities
$324Service charges on deposit accounts
$0Trading account gains & fees
$254Additional noninterest income
$2,860Total noninterest expense
$1,375Salaries and employee benefits
$354Premises and equipment expense
$1,131Additional noninterest expense
$415Pre-tax net operating income
$15Securities gains (losses)
$172Applicable income taxes
$258Income before extraordinary items
$0Extraordinary gains - net
$258Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$359Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.33%Yield on earning assets
1.51%Cost of funding earning assets
4.82%Net interest margin
1.06%Noninterest income to earning assets
4.70%Noninterest expense to earning assets
0.37%Net operating income to assets
0.39%Return on assets (ROA)
0.65%Pretax return on assets
4.86%Return on equity (ROE)
4.86%Retained earnings to average equity (YTD only)
0.72%Net charge-offs to loans
84.40%Credit loss provision to net charge-offs
2.00%Efficiency ratio
79,933Assets per employee
2.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
70.04%Noncurrent assets plus other real estate owned to assets
2.12%Noncurrent loans to loans
2.33%Net loans and leases to deposits
83.58%Net loans and leases to core deposits
123.80%Equity capital to assets
8.47%Core capital (leverage) ratio
8.43%Tier 1 risk-based capital ratio
12.86%Total risk-based capital ratio
Memoranda
$14Average assets
$66,353Average earning assets
$5,309Average equity
$60,862Average loans
Total Fiduciary and Related Assets (December 31, 2004)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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