FDIC Certificate #: 28137 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peoples Community Bank (#32288) Federal Reserve ID: 997070 Date Established: January 01, 1879 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 969 FDIC's unique #: 40971 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: Febuary 04, 1957 Last Structure Change Effective Date: March 29, 2000 Last Structure Change Process Date: May 15, 2000 Last Data Update: May 15, 2000 Data Source Date: April 05, 2012
Location
Address: 3621 Harrison Avenue, Cheviot, OH 45211 County: Hamilton 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)
Financial Summary
Total assets: $99.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
17Total employees (full-time equivalent)
$99,374Total assets
$1,735Cash and due from depository institutions
$239Interest-bearing balances
$40,191Securities
$100Federal funds sold & reverse repurchase agreements
$55,430Net loans & leases
$142Loan loss allowance
$0Trading account assets
$1,215Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$703All other assets
$99,374Total liabilities and capital
$89,968Total liabilities
$64,721Total deposits
$64,721Interest-bearing deposits
$64,721Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$24,950Other borrowed funds
$0Subordinated debt
$297All other liabilities
$9,406Total equity capital
$9,406Total bank equity capital
$9,406Perpetual preferred stock
$0Common stock
$1Surplus
$4,259Undivided profits
Memoranda
$5,146Noncurrent loans and leases
$6,146Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$292Earning assets
$0Long-term assets (5+ years)
$259Average Assets, year-to-date
$95,960Average Assets, quarterly
$44,546Volatile liabilities
$98,909Insider loans
$99,003FHLB advances
$21,863Loans and leases held for sale
$88Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$6,146Total unused commitments
$0Restructured Loans and leases
$142Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$6,538Total interest income
$4,211Total interest expense
$2,327Net interest income
$12Provision for loan and lease losses
$99Total noninterest income
$0Fiduciary activities
$85Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$1,564Total noninterest expense
$905Salaries and employee benefits
$143Premises and equipment expense
$516Additional noninterest expense
$850Pre-tax net operating income
$0Securities gains (losses)
$289Applicable income taxes
$561Income before extraordinary items
$0Extraordinary gains - net
$561Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.84%Yield on earning assets
4.40%Cost of funding earning assets
2.43%Net interest margin
0.10%Noninterest income to earning assets
1.64%Noninterest expense to earning assets
0.57%Net operating income to assets
0.57%Return on assets (ROA)
0.86%Pretax return on assets
6.01%Return on equity (ROE)
2.80%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
64,468Assets per employee
5.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
53.48%Loss allowance to loans
0.26%Loss allowance to noncurrent loans
48.63%Noncurrent assets plus other real estate owned to assets
0.29%Noncurrent loans to loans
0.53%Net loans and leases to deposits
85.64%Net loans and leases to core deposits
91.68%Equity capital to assets
9.47%Core capital (leverage) ratio
10.18%Tier 1 risk-based capital ratio
22.45%Total risk-based capital ratio
Memoranda
$23Average assets
$98,909Average earning assets
$9,327Average equity
$95,631Average loans
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