First Safety Bank in city_name, state_name - Detailed Financial Reports, Location

First Safety Bank in Cincinnati, Ohio (OH)
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First Safety Bank routing number info

First Safety Bank - Overview

General
FDIC Certificate #: 26263
Status: Active
Federal Reserve ID: 853970
Date Established: May 05, 1881
WWW: http://www.firstsafetybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 32623
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 02, 1985
Last Structure Change Effective Date: January 04, 2012
Last Structure Change Process Date: January 04, 2012
Last Data Update: January 04, 2012
Data Source Date: April 05, 2012
Location
Address: 4901 Vine Street, Cincinnati, OH 45217
County: Hamilton
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Cincinnati
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 Geographic Region/Area/Territory/Field Office
Change in Location
Financial Summary
Total assets: $55.4 mil
Equity capital: $9.7 mil
Deposits held in domestic offices: $45.1 mil
Return on assets (ROA): 0.81% ($0.4 mil)
Quarterly return on assets: 1.00% ($0.6 mil)
Return on Equity (ROE): 4.63% ($0.5 mil)
Quarterly return on equity: 5.64% ($0.6 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.81% ($449.0 mil)
Quarterly Pretax return on assets: 1.00% ($554.3 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
13Total employees (full-time equivalent)
$55,434Total assets
$14,138Cash and due from depository institutions
$13,234Interest-bearing balances
$7,653Securities
$0Federal funds sold & reverse repurchase agreements
$31,976Net loans & leases
$326Loan loss allowance
$0Trading account assets
$212Bank premises and fixed assets
$394Other real estate owned
$317Goodwill and other intangibles
$55,434Life insurance assets
$744All other assets
$45,755Total liabilities and capital
$45,076Total liabilities
$41,992Total deposits
$45,076Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$458Trading liabilities
$0Other borrowed funds
$221Subordinated debt
$9,679All other liabilities
$9,679Total equity capital
$9,679Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,500Surplus
$7,979Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$189Income earned, not collected on loans
$0Earning assets
$158Long-term assets (5+ years)
$52,863Average Assets, year-to-date
$13,870Average Assets, quarterly
$54,616Volatile liabilities
$54,626Insider loans
$29,098FHLB advances
$54,733Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,547Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,047Restructured Loans and leases
$589Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,133Total interest income
$480Total interest expense
$1,653Net interest income
$156Provision for loan and lease losses
$399Total noninterest income
$0Fiduciary activities
$20Service charges on deposit accounts
$0Trading account gains & fees
$379Additional noninterest income
$1,454Total noninterest expense
$892Salaries and employee benefits
$109Premises and equipment expense
$453Additional noninterest expense
$442Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$442Income before extraordinary items
$0Extraordinary gains - net
$442Net income attributable to bank
$0Net charge-offs
$442Cash dividends
$186Sale, conversion, retirement of capital stock, net
$207Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.06%Yield on earning assets
0.91%Cost of funding earning assets
3.15%Net interest margin
0.76%Noninterest income to earning assets
2.77%Noninterest expense to earning assets
0.81%Net operating income to assets
0.81%Return on assets (ROA)
0.81%Pretax return on assets
4.63%Return on equity (ROE)
2.46%Retained earnings to average equity (YTD only)
0.55%Net charge-offs to loans
83.87%Credit loss provision to net charge-offs
3.22%Efficiency ratio
70,858Assets per employee
4.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
46.83%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
172.49%Noncurrent assets plus other real estate owned to assets
1.05%Noncurrent loans to loans
0.59%Net loans and leases to deposits
70.94%Net loans and leases to core deposits
72.29%Equity capital to assets
17.46%Core capital (leverage) ratio
17.44%Tier 1 risk-based capital ratio
32.81%Total risk-based capital ratio
Memoranda
$34Average assets
$54,616Average earning assets
$9,553Average equity
$52,559Average loans

List of branches

2 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	32623	First Safety Bank	4901 Vine Street, Cincinnati, OH 45217	May 05, 1881	Full Service Brick and Mortar
2	258661	Georgetown Branch	455 Home Street, Georgetown, OH 45121	October 01, 1974	Full Service Brick and Mortar

First Safety Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Safety Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Safety Bank in Cincinnati, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

First Safety Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Safety Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches