New Carlisle Federal Savings Bank in New Carlisle, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • New Carlisle Federal Savings Bank in New Carlisle, Ohio (OH)
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New Carlisle Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29173
    Status: Active
    Federal Reserve ID: 646873
    Date Established: January 01, 1883
    WWW: http://www.newcarlislefederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3043
    FDIC's unique #: 42007
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 26, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 400 North Main Street, New Carlisle, OH 45344
    County: Clark
    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): Springfield, OH (#44220)
    CBSA Metro Statistical Area: Springfield, OH (#44220)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $92.2 mil
    Equity capital: $9.3 mil
    Deposits held in domestic offices: $72.0 mil
    Return on assets (ROA): 0.25% ($0.2 mil)
    Quarterly return on assets: 0.27% ($0.2 mil)
    Return on Equity (ROE): 2.53% ($0.2 mil)
    Quarterly return on equity: 2.68% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.40% ($368.6 mil)
    Quarterly Pretax return on assets: 0.43% ($396.3 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
  • 26Total employees (full-time equivalent)
  • $92,153Total assets
  • $13,219Cash and due from depository institutions
  • $12,695Interest-bearing balances
  • $4,349Securities
  • $78Federal funds sold & reverse repurchase agreements
  • $67,229Net loans & leases
  • $1,121Loan loss allowance
  • $0Trading account assets
  • $1,459Bank premises and fixed assets
  • $1,496Other real estate owned
  • $131Goodwill and other intangibles
  • $92,153Life insurance assets
  • $4,192All other assets
  • $82,875Total liabilities and capital
  • $72,023Total liabilities
  • $62,951Total deposits
  • $72,023Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,514Trading liabilities
  • $0Other borrowed funds
  • $1,338Subordinated debt
  • $9,278All other liabilities
  • $9,278Total equity capital
  • $9,278Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $9,278Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,391Income earned, not collected on loans
  • $0Earning assets
  • $297Long-term assets (5+ years)
  • $84,351Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $93,623Volatile liabilities
  • $91,949Insider loans
  • $70,012FHLB advances
  • $92,136Loans and leases held for sale
  • $2,135Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,261Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,008Restructured Loans and leases
  • $1,010Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,311Total interest income
  • $1,070Total interest expense
  • $3,241Net interest income
  • $585Provision for loan and lease losses
  • $999Total noninterest income
  • $0Fiduciary activities
  • $196Service charges on deposit accounts
  • $0Trading account gains & fees
  • $803Additional noninterest income
  • $3,283Total noninterest expense
  • $1,586Salaries and employee benefits
  • $712Premises and equipment expense
  • $985Additional noninterest expense
  • $372Pre-tax net operating income
  • $0Securities gains (losses)
  • $140Applicable income taxes
  • $232Income before extraordinary items
  • $0Extraordinary gains - net
  • $232Net income attributable to bank
  • $0Net charge-offs
  • $232Cash dividends
  • $702Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.80%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 3.85%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 2.53%Return on equity (ROE)
  • 2.53%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 83.33%Credit loss provision to net charge-offs
  • 1.36%Efficiency ratio
  • 77,429Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 46.88%Noncurrent assets plus other real estate owned to assets
  • 4.22%Noncurrent loans to loans
  • 3.50%Net loans and leases to deposits
  • 93.34%Net loans and leases to core deposits
  • 98.33%Equity capital to assets
  • 10.07%Core capital (leverage) ratio
  • 10.05%Tier 1 risk-based capital ratio
  • 13.23%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $93,623Average earning assets
  • $9,176Average equity
  • $85,375Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042007New Carlisle Federal Savings Bank400 North Main Street, New Carlisle, OH 45344January 01, 1883Full Service Brick and Mortar
    1273293Villa Road Branch833 Villa Road, Springfield, OH 45503June 30, 1996Full Service Brick and Mortar
    2495165Tipp City Branch5129 S County Road 25-A, Tipp City, OH 45371September 12, 2000Full Service Brick and Mortar

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