FDIC Certificate #: 57677 Status: Active Federal Reserve ID: 3202337 Date Established: July 25, 2003 WWW:http://www.fwsavings.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Interstate: No) OTS Docket #: 17962 FDIC's unique #: 419507 Numeric code: 35 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: July 25, 2003 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: 400 Broadway Street, Cincinnati, OH 45202 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
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, 2010)
Dollar figures in thousands
4Total employees (full-time equivalent)
$107,159Total assets
$10,683Cash and due from depository institutions
$10,049Interest-bearing balances
$65,664Securities
$2,339Federal funds sold & reverse repurchase agreements
$27,232Net loans & leases
$90Loan loss allowance
$0Trading account assets
$4Bank premises and fixed assets
$0Other real estate owned
$130Goodwill and other intangibles
$0Life insurance assets
$1,107All other assets
$107,159Total liabilities and capital
$97,187Total liabilities
$96,969Total deposits
$96,815Interest-bearing deposits
$96,969Deposits held in domestic offices
98.29%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$110Other borrowed funds
$0Subordinated debt
$108All other liabilities
$9,972Total equity capital
$9,972Total bank equity capital
$9,972Perpetual preferred stock
$0Common stock
$1,950Surplus
$7,050Undivided profits
Memoranda
$972Noncurrent loans and leases
$751Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$695Earning assets
$0Long-term assets (5+ years)
$397Average Assets, year-to-date
$105,284Average Assets, quarterly
$0Volatile liabilities
$103,810Insider loans
$106,969FHLB advances
$6,668Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$751Total unused commitments
$357Restructured Loans and leases
$90Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$2,926Total interest income
$927Total interest expense
$1,999Net interest income
$161Provision for loan and lease losses
-$5Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
-$5Additional noninterest income
$3,794Total noninterest expense
$491Salaries and employee benefits
$479Premises and equipment expense
$2,824Additional noninterest expense
-$1,961Pre-tax net operating income
$26Securities gains (losses)
-$676Applicable income taxes
-$1,259Income before extraordinary items
$0Extraordinary gains - net
-$1,259Net income attributable to bank
$0Net charge-offs
-$1,259Cash dividends
$71Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.91%Yield on earning assets
0.92%Cost of funding earning assets
1.99%Net interest margin
-0.00%Noninterest income to earning assets
3.78%Noninterest expense to earning assets
-1.23%Net operating income to assets
-1.21%Return on assets (ROA)
-1.86%Pretax return on assets
-11.46%Return on equity (ROE)
-11.46%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
226.76%Credit loss provision to net charge-offs
-25.35%Efficiency ratio
90,722Assets per employee
26.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.33%Loss allowance to noncurrent loans
12.95%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
2.54%Net loans and leases to deposits
28.08%Net loans and leases to core deposits
30.12%Equity capital to assets
9.31%Core capital (leverage) ratio
8.79%Tier 1 risk-based capital ratio
29.11%Total risk-based capital ratio
Memoranda
$29Average assets
$103,810Average earning assets
$10,985Average equity
$100,399Average loans
Total Fiduciary and Related Assets (December 31, 2005)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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