Citizens Federal Bank, F.S.B., a Federal Savings Bank in Dayton, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 15, 1998

  • Citizens Federal Bank, F.S.B., a Federal Savings Bank in Dayton, Ohio (OH)
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Citizens Federal Bank, F.S.B., a Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29119
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Fifth Third Bank (#6672)
    Federal Reserve ID: 959078
    Date Established: August 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2943
    FDIC's unique #: 41953
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: October 22, 1934
    Last Structure Change Effective Date: August 15, 1998
    Last Structure Change Process Date: October 08, 1998
    Last Data Update: October 08, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: One Citizens Federal Centre, Dayton, OH 45402
    County: Montgomery
    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): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • Financial Summary
  • Total assets: $3,085.8 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
  • 775Total employees (full-time equivalent)
  • $3,446,783Total assets
  • $43,017Cash and due from depository institutions
  • $35,183Interest-bearing balances
  • $1,408,711Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,763,941Net loans & leases
  • $18,786Loan loss allowance
  • $0Trading account assets
  • $20,868Bank premises and fixed assets
  • $3,512Other real estate owned
  • $59,212Goodwill and other intangibles
  • $0Life insurance assets
  • $147,522All other assets
  • $3,446,783Total liabilities and capital
  • $3,235,502Total liabilities
  • $1,856,191Total deposits
  • $1,778,756Interest-bearing deposits
  • $1,856,191Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $297,165Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,022,721Other borrowed funds
  • $0Subordinated debt
  • $59,425All other liabilities
  • $211,281Total equity capital
  • $211,281Total bank equity capital
  • $211,281Perpetual preferred stock
  • $0Common stock
  • $62Surplus
  • $64,240Undivided profits
  • Memoranda
  • $146,979Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $9,150Earning assets
  • $0Long-term assets (5+ years)
  • $8,577Average Assets, year-to-date
  • $3,207,835Average Assets, quarterly
  • $0Volatile liabilities
  • $3,126,579Insider loans
  • $3,362,100FHLB advances
  • $1,750,028Loans and leases held for sale
  • $69Unused loan commitments
  • $1,019,576Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $218,984Total unused commitments
  • $0Restructured Loans and leases
  • $1,599,482Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $212,496Total interest income
  • $142,808Total interest expense
  • $69,688Net interest income
  • $3,150Provision for loan and lease losses
  • $35,980Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $35,980Additional noninterest income
  • $58,277Total noninterest expense
  • $24,675Salaries and employee benefits
  • $13,478Premises and equipment expense
  • $20,124Additional noninterest expense
  • $44,241Pre-tax net operating income
  • -$1,971Securities gains (losses)
  • $13,240Applicable income taxes
  • $29,030Income before extraordinary items
  • $0Extraordinary gains - net
  • $29,030Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,566Sale, conversion, retirement of capital stock, net
  • $6,846Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.30%Yield on earning assets
  • 4.91%Cost of funding earning assets
  • 2.40%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 2.00%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 14.55%Return on equity (ROE)
  • 11.12%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 201.15%Credit loss provision to net charge-offs
  • 30.26%Efficiency ratio
  • 52,407Assets per employee
  • 4.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.58%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 205.31%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 95.03%Net loans and leases to core deposits
  • 123.69%Equity capital to assets
  • 6.13%Core capital (leverage) ratio
  • 5.70%Tier 1 risk-based capital ratio
  • 12.23%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $3,126,579Average earning assets
  • $199,459Average equity
  • $2,909,644Average loans

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