FDIC Certificate #: 29934 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First FSB of Washington Court House (#28000) Federal Reserve ID: 924870 Date Established: January 01, 1887 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 4371 FDIC's unique #: 42768 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: June 03, 1938 Last Structure Change Effective Date: January 08, 1998 Last Structure Change Process Date: Febuary 09, 1998 Last Data Update: Febuary 09, 1998 Data Source Date: April 05, 2012
Location
Address: One North Plum Street, Germantown, OH 45327 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: $49.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
15Total employees (full-time equivalent)
$49,538Total assets
$5,029Cash and due from depository institutions
$4,169Interest-bearing balances
$7,964Securities
$0Federal funds sold & reverse repurchase agreements
$35,021Net loans & leases
$271Loan loss allowance
$0Trading account assets
$788Bank premises and fixed assets
$46Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$690All other assets
$49,538Total liabilities and capital
$44,120Total liabilities
$41,418Total deposits
$40,680Interest-bearing deposits
$41,418Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,000Other borrowed funds
$0Subordinated debt
$702All other liabilities
$5,418Total equity capital
$5,418Total bank equity capital
$5,418Perpetual preferred stock
$0Common stock
$1Surplus
$2,030Undivided profits
Memoranda
$3,387Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$121Earning assets
$0Long-term assets (5+ years)
$168Average Assets, year-to-date
$47,154Average Assets, quarterly
$0Volatile liabilities
$48,741Insider loans
$49,485FHLB advances
$4,994Loans and leases held for sale
$0Unused loan commitments
$2,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,835Total unused commitments
$0Restructured Loans and leases
$23,274Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$3,614Total interest income
$1,788Total interest expense
$1,826Net interest income
$153Provision for loan and lease losses
$135Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$135Additional noninterest income
$1,760Total noninterest expense
$1,160Salaries and employee benefits
$258Premises and equipment expense
$342Additional noninterest expense
$48Pre-tax net operating income
$0Securities gains (losses)
$22Applicable income taxes
$26Income before extraordinary items
$0Extraordinary gains - net
$26Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$8Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.76%Yield on earning assets
3.84%Cost of funding earning assets
3.92%Net interest margin
0.29%Noninterest income to earning assets
3.78%Noninterest expense to earning assets
0.05%Net operating income to assets
0.05%Return on assets (ROA)
0.10%Pretax return on assets
0.48%Return on equity (ROE)
0.48%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
1912.50%Credit loss provision to net charge-offs
25.13%Efficiency ratio
89,750Assets per employee
3.30%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.77%Loss allowance to noncurrent loans
223.97%Noncurrent assets plus other real estate owned to assets
0.34%Noncurrent loans to loans
0.34%Net loans and leases to deposits
84.56%Net loans and leases to core deposits
91.14%Equity capital to assets
10.94%Core capital (leverage) ratio
10.79%Tier 1 risk-based capital ratio
22.92%Total risk-based capital ratio
Memoranda
$24Average assets
$48,741Average earning assets
$5,456Average equity
$46,556Average loans
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