FDIC Certificate #: 33831 Status: Active Federal Reserve ID: 2107181 Date Established: September 08, 1993 WWW:http://www.macys.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 16138 FDIC's unique #: 48138 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: September 08, 1993 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 9111 Duke Boulevard, Suite 100, Mason, OH 45040 County: Warren 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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $202.1 mil Equity capital: $83.0 mil Deposits held in domestic offices: $28.0 mil Return on assets (ROA): 219.00% ($442.4 mil) Quarterly return on assets: 240.50% ($485.8 mil) Return on Equity (ROE): 733.89% ($609.1 mil) Quarterly return on equity: 655.70% ($544.2 mil) Net income: $332.6 mil Quarterly Net income: $105.4 mil Pretax return on assets: 336.92% ($680,891.7 mil) Quarterly Pretax return on assets: 370.00% ($747,744.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
3,062Total employees (full-time equivalent)
$202,093Total assets
$60Cash and due from depository institutions
$0Interest-bearing balances
$80,791Securities
$82,353Federal funds sold & reverse repurchase agreements
$5,448Net loans & leases
$150Loan loss allowance
$0Trading account assets
$3,139Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$202,093Life insurance assets
$30,302All other assets
$119,088Total liabilities and capital
$27,973Total liabilities
$0Total deposits
$27,973Interest-bearing deposits
$2Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$91,115Subordinated debt
$83,005All other liabilities
$83,005Total equity capital
$83,005Total bank equity capital
$0Perpetual preferred stock
$4,500Common stock
$12,977Surplus
$65,528Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8Income earned, not collected on loans
$0Earning assets
$38Long-term assets (5+ years)
$168,592Average Assets, year-to-date
$0Average Assets, quarterly
$151,855Volatile liabilities
$175,290Insider loans
$69,538FHLB advances
$202,155Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$83,045Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$447,105Restructured Loans and leases
$340Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$352Total interest income
$0Total interest expense
$352Net interest income
$0Provision for loan and lease losses
$733,975Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$733,975Additional noninterest income
$222,702Total noninterest expense
$76,255Salaries and employee benefits
$6,229Premises and equipment expense
$140,218Additional noninterest expense
$511,625Pre-tax net operating income
$0Securities gains (losses)
$179,069Applicable income taxes
$332,556Income before extraordinary items
$0Extraordinary gains - net
$332,556Net income attributable to bank
$0Net charge-offs
$332,556Cash dividends
$45Sale, conversion, retirement of capital stock, net
$279,500Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
0.28%Yield on earning assets
0.00%Cost of funding earning assets
0.28%Net interest margin
586.67%Noninterest income to earning assets
178.01%Noninterest expense to earning assets
219.00%Net operating income to assets
219.00%Return on assets (ROA)
336.92%Pretax return on assets
733.89%Return on equity (ROE)
117.08%Retained earnings to average equity (YTD only)
1.19%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
11369.44%Efficiency ratio
30,327Assets per employee
0.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.05%Loss allowance to loans
2.68%Loss allowance to noncurrent loans
1875.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.14%Net loans and leases to deposits
19.48%Net loans and leases to core deposits
19.48%Equity capital to assets
41.07%Core capital (leverage) ratio
41.08%Tier 1 risk-based capital ratio
119.42%Total risk-based capital ratio
Memoranda
$120Average assets
$151,855Average earning assets
$45,314Average equity
$125,110Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
48138
Fds Bank
9111 Duke Boulevard, Suite 100, Mason, OH 45040
September 08, 1993
Full Service Brick and Mortar
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