FDIC Certificate #: 32306 Status: Active Federal Reserve ID: 918776 Date Established: October 28, 1891 WWW:http://www.newfoundationsavingsbank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 8122 FDIC's unique #: 45140 Numeric code: 36 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: April 12, 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: 8249 Clara Avenue, Cincinnati, OH 45239 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
Financial Summary
Total assets: $21.2 mil Equity capital: $1.7 mil Deposits held in domestic offices: $17.1 mil Return on assets (ROA): 0.11% ($0.0 mil) Quarterly return on assets: 0.12% ($0.0 mil) Return on Equity (ROE): 1.31% ($0.0 mil) Quarterly return on equity: 1.42% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.13% ($27.6 mil) Quarterly Pretax return on assets: 0.12% ($25.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
5Total employees (full-time equivalent)
$21,193Total assets
$5,890Cash and due from depository institutions
$3,757Interest-bearing balances
$323Securities
$0Federal funds sold & reverse repurchase agreements
$13,993Net loans & leases
$114Loan loss allowance
$0Trading account assets
$119Bank premises and fixed assets
$280Other real estate owned
$0Goodwill and other intangibles
$21,193Life insurance assets
$588All other assets
$18,986Total liabilities and capital
$17,066Total liabilities
$17,066Total deposits
$17,066Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,850Trading liabilities
$0Other borrowed funds
$70Subordinated debt
$2,207All other liabilities
$1,696Total equity capital
$1,696Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$1,696Undivided profits
Memoranda
$511Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$58Long-term assets (5+ years)
$18,073Average Assets, year-to-date
$0Average Assets, quarterly
$19,322Volatile liabilities
$20,574Insider loans
$9,032FHLB advances
$20,566Loans and leases held for sale
$310Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,715Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,478Restructured Loans and leases
$733Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$776Total interest income
$275Total interest expense
$501Net interest income
$29Provision for loan and lease losses
$30Total noninterest income
$0Fiduciary activities
$1Service charges on deposit accounts
$0Trading account gains & fees
$29Additional noninterest income
$476Total noninterest expense
$260Salaries and employee benefits
$100Premises and equipment expense
$116Additional noninterest expense
$26Pre-tax net operating income
$0Securities gains (losses)
$3Applicable income taxes
$23Income before extraordinary items
$0Extraordinary gains - net
$22Net income attributable to bank
$1Net charge-offs
$23Cash dividends
$26Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.53%Yield on earning assets
1.60%Cost of funding earning assets
2.92%Net interest margin
0.18%Noninterest income to earning assets
2.78%Noninterest expense to earning assets
0.12%Net operating income to assets
0.11%Return on assets (ROA)
0.13%Pretax return on assets
1.31%Return on equity (ROE)
1.31%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
111.54%Credit loss provision to net charge-offs
2.12%Efficiency ratio
89,642Assets per employee
4.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.42%Noncurrent loans to loans
0.00%Net loans and leases to deposits
81.99%Net loans and leases to core deposits
81.99%Equity capital to assets
8.00%Core capital (leverage) ratio
8.34%Tier 1 risk-based capital ratio
18.99%Total risk-based capital ratio
Memoranda
$20Average assets
$19,322Average earning assets
$1,676Average equity
$17,138Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
45140
New Foundation Savings Bank
8249 Clara Avenue, Cincinnati, OH 45239
October 28, 1891
Full Service Brick and Mortar
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