FDIC Certificate #: 32288 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:First Financial Bank, National Association (#6600) Federal Reserve ID: 908571 Date Established: March 14, 1889 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 8097 FDIC's unique #: 45122 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: March 25, 1985 Last Structure Change Effective Date: July 31, 2009 Last Structure Change Process Date: August 04, 2009 Last Data Update: August 04, 2009 Data Source Date: April 05, 2012
Location
Address: 6100 West Chester Road, West Chester, OH 45069 County: Butler 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): Hamilton-Middletown, OH (#3200) 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: $606.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
153Total employees (full-time equivalent)
$711,988Total assets
$71,956Cash and due from depository institutions
$60,824Interest-bearing balances
$100,951Securities
$0Federal funds sold & reverse repurchase agreements
$461,863Net loans & leases
$28,705Loan loss allowance
$0Trading account assets
$27,181Bank premises and fixed assets
$10,176Other real estate owned
$3,342Goodwill and other intangibles
$18,566Life insurance assets
$36,519All other assets
$711,988Total liabilities and capital
$693,600Total liabilities
$631,247Total deposits
$615,092Interest-bearing deposits
$631,247Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$59,007Other borrowed funds
$0Subordinated debt
$3,346All other liabilities
$18,388Total equity capital
$18,388Total bank equity capital
$18,388Perpetual preferred stock
$0Common stock
$26Surplus
$86,833Undivided profits
Memoranda
$-68,471Noncurrent loans and leases
$41,060Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$43,106Earning assets
$0Long-term assets (5+ years)
$2,929Average Assets, year-to-date
$623,638Average Assets, quarterly
$0Volatile liabilities
$792,413Insider loans
$716,449FHLB advances
$174,629Loans and leases held for sale
$620Unused loan commitments
$59,007Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$41,060Total unused commitments
$10,218Restructured Loans and leases
$5,941Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$40,494Total interest income
$24,430Total interest expense
$16,064Net interest income
$41,477Provision for loan and lease losses
-$1,574Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
-$1,574Additional noninterest income
$33,317Total noninterest expense
$8,761Salaries and employee benefits
$3,983Premises and equipment expense
$20,573Additional noninterest expense
-$60,304Pre-tax net operating income
$602Securities gains (losses)
$7,105Applicable income taxes
-$66,807Income before extraordinary items
$0Extraordinary gains - net
-$66,807Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$47,271Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.86%Yield on earning assets
3.54%Cost of funding earning assets
2.33%Net interest margin
-0.23%Noninterest income to earning assets
4.82%Noninterest expense to earning assets
-8.51%Net operating income to assets
-8.43%Return on assets (ROA)
-7.53%Pretax return on assets
-110.67%Return on equity (ROE)
-110.67%Retained earnings to average equity (YTD only)
8.04%Net charge-offs to loans
87.74%Credit loss provision to net charge-offs
-0.40%Efficiency ratio
132,823Assets per employee
4.65%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
5.85%Loss allowance to noncurrent loans
66.59%Noncurrent assets plus other real estate owned to assets
7.48%Noncurrent loans to loans
8.79%Net loans and leases to deposits
73.17%Net loans and leases to core deposits
89.57%Equity capital to assets
2.58%Core capital (leverage) ratio
2.23%Tier 1 risk-based capital ratio
3.50%Total risk-based capital ratio
Memoranda
$5Average assets
$792,413Average earning assets
$60,366Average equity
$690,567Average loans
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