FDIC Certificate #: 19360 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Household Bank, FSB (#30971) Federal Reserve ID: 199539 Date Established: January 26, 1965 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 8153 FDIC's unique #: 13170 Numeric code: 43 Regulator: OTS Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes FDIC Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: January 26, 1965 Last Structure Change Effective Date: June 30, 1998 Last Structure Change Process Date: July 21, 1998 Last Data Update: July 21, 1998 Data Source Date: April 05, 2012
Location
Address: 430 Knights Run Avenue, Tampa, FL 33602 County: Hillsborough Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: New York FDIC Field Office: Tampa Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Southeast Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL (#8280) Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300) CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
Financial Summary
Total assets: $35.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
24Total employees (full-time equivalent)
$36,249Total assets
$667Cash and due from depository institutions
$2Interest-bearing balances
$1,421Securities
$1,862Federal funds sold & reverse repurchase agreements
$30,890Net loans & leases
$358Loan loss allowance
$0Trading account assets
$597Bank premises and fixed assets
$61Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$751All other assets
$36,249Total liabilities and capital
$27,589Total liabilities
$19,577Total deposits
$19,075Interest-bearing deposits
$19,577Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,850Other borrowed funds
$0Subordinated debt
$1,162All other liabilities
$8,660Total equity capital
$8,660Total bank equity capital
$8,660Perpetual preferred stock
$0Common stock
$1,555Surplus
$1,360Undivided profits
Memoranda
$5,745Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$991Earning assets
$0Long-term assets (5+ years)
$210Average Assets, year-to-date
$34,175Average Assets, quarterly
$0Volatile liabilities
$33,207Insider loans
$35,618FHLB advances
$9,520Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$912Total unused commitments
$0Restructured Loans and leases
$20,969Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$3,331Total interest income
$1,211Total interest expense
$2,120Net interest income
$153Provision for loan and lease losses
$238Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$238Additional noninterest income
$1,787Total noninterest expense
$950Salaries and employee benefits
$594Premises and equipment expense
$243Additional noninterest expense
$418Pre-tax net operating income
$0Securities gains (losses)
$162Applicable income taxes
$256Income before extraordinary items
$0Extraordinary gains - net
$256Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$143Sale, conversion, retirement of capital stock, net
$253Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
10.65%Yield on earning assets
3.87%Cost of funding earning assets
6.78%Net interest margin
0.76%Noninterest income to earning assets
5.71%Noninterest expense to earning assets
0.77%Net operating income to assets
0.77%Return on assets (ROA)
1.26%Pretax return on assets
2.99%Return on equity (ROE)
0.03%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
106.99%Credit loss provision to net charge-offs
3.99%Efficiency ratio
75,785Assets per employee
1.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
98.83%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
36.13%Noncurrent assets plus other real estate owned to assets
2.90%Noncurrent loans to loans
3.17%Net loans and leases to deposits
157.79%Net loans and leases to core deposits
182.71%Equity capital to assets
23.89%Core capital (leverage) ratio
23.89%Tier 1 risk-based capital ratio
41.30%Total risk-based capital ratio
Memoranda
$43Average assets
$33,207Average earning assets
$8,574Average equity
$31,275Average loans
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