Fifth Third Savings Bank of Northern Kentucky, F.S.B. in Newport, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 04, 1997

  • Fifth Third Savings Bank of Northern Kentucky, F.S.B. in Newport, Kentucky (KY)
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Fifth Third Savings Bank of Northern Kentucky, F.S.B. - Overview

  • General
  • FDIC Certificate #: 29258
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Fifth Third Bank of Northern Kentucky, Inc. (#9667)
    Federal Reserve ID: 732271
    Date Established: January 01, 1882
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3180
    FDIC's unique #: 42092
    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: September 10, 1935
    Last Structure Change Effective Date: January 04, 1997
    Last Structure Change Process Date: January 22, 1997
    Last Data Update: January 22, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 800 Monmouth St, Newport, KY 41071
    County: Campbell
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    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: $170.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $4Total assets
  • $170,536Cash and due from depository institutions
  • $339Interest-bearing balances
  • $34Securities
  • $161,851Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $2Loan loss allowance
  • $0Trading account assets
  • $0Bank premises and fixed assets
  • $155Other real estate owned
  • $0Goodwill and other intangibles
  • $8,189Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $170,536Total liabilities
  • $142,656Total deposits
  • $7,610Interest-bearing deposits
  • $7,610Deposits held in domestic offices
  • 7610.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $125,320Subordinated debt
  • $0All other liabilities
  • $9,726Total equity capital
  • $9,726Total bank equity capital
  • $27,880Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $15,446Undivided profits
  • Memoranda
  • $12,433Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $161,887Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $214,039Average Assets, quarterly
  • $185,896Volatile liabilities
  • $125,806Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $26,641Total risk weighted assets
  • $29,489Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,038Total interest expense
  • $10,202Net interest income
  • $2,836Provision for loan and lease losses
  • $1,964Total noninterest income
  • $356Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $356Total noninterest expense
  • $6,062Salaries and employee benefits
  • $2,551Premises and equipment expense
  • $312Additional noninterest expense
  • $3,199Pre-tax net operating income
  • -$4,834Securities gains (losses)
  • $238Applicable income taxes
  • -$698Income before extraordinary items
  • -$3,898Extraordinary gains - net
  • $0Net income attributable to bank
  • -$3,898Net charge-offs
  • $0Cash dividends
  • $5,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.37%Cost of funding earning assets
  • 4.98%Net interest margin
  • 1.39%Noninterest income to earning assets
  • 0.17%Noninterest expense to earning assets
  • 2.96%Net operating income to assets
  • -1.92%Return on assets (ROA)
  • -1.82%Pretax return on assets
  • -2.15%Return on equity (ROE)
  • -13.48%Retained earnings to average equity (YTD only)
  • -30.76%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 189,912Assets per employee
  • 42.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -128.27%Loss allowance to loans
  • 0.00%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 0.03%Net loans and leases to core deposits
  • 0.03%Equity capital to assets
  • 16.35%Core capital (leverage) ratio
  • 15.74%Tier 1 risk-based capital ratio
  • 90.34%Total risk-based capital ratio
  • Memoranda
  • $90Average assets
  • $214,039Average earning assets
  • $28,924Average equity
  • $204,697Average loans

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