Perpetual Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 28627 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:United Community Bank (#29620) Federal Reserve ID: 431677 Date Established: January 01, 1894 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 1986 FDIC's unique #: 41461 Numeric code: 38 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: January 13, 1937 Last Structure Change Effective Date: April 12, 1999 Last Structure Change Process Date: May 14, 1999 Last Data Update: May 14, 1999 Data Source Date: April 05, 2012
Location
Address: 230 Walnut St, Lawrenceburg, IN 47025 County: Dearborn Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Indianapolis 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: $118.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
26Total employees (full-time equivalent)
$112,364Total assets
$2,471Cash and due from depository institutions
$2,238Interest-bearing balances
$19,831Securities
$0Federal funds sold & reverse repurchase agreements
$86,250Net loans & leases
$435Loan loss allowance
$0Trading account assets
$2,143Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,669All other assets
$112,364Total liabilities and capital
$101,940Total liabilities
$92,305Total deposits
$90,272Interest-bearing deposits
$92,305Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$8,000Other borrowed funds
$0Subordinated debt
$1,635All other liabilities
$10,424Total equity capital
$10,424Total bank equity capital
$10,424Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$10,424Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$709Earning assets
$0Long-term assets (5+ years)
$423Average Assets, year-to-date
$108,319Average Assets, quarterly
$0Volatile liabilities
$109,254Insider loans
$110,564FHLB advances
$35,457Loans and leases held for sale
$3,328Unused loan commitments
$8,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,534Total unused commitments
$0Restructured Loans and leases
$73,673Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$8,326Total interest income
$4,952Total interest expense
$3,374Net interest income
$48Provision for loan and lease losses
$289Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$289Additional noninterest income
$2,045Total noninterest expense
$1,134Salaries and employee benefits
$412Premises and equipment expense
$499Additional noninterest expense
$1,570Pre-tax net operating income
$1Securities gains (losses)
$624Applicable income taxes
$947Income before extraordinary items
-$10Extraordinary gains - net
$937Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$28Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.91%Yield on earning assets
4.70%Cost of funding earning assets
3.20%Net interest margin
0.27%Noninterest income to earning assets
1.94%Noninterest expense to earning assets
0.87%Net operating income to assets
0.86%Return on assets (ROA)
1.43%Pretax return on assets
9.78%Return on equity (ROE)
9.78%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
171.43%Credit loss provision to net charge-offs
57.79%Efficiency ratio
55,829Assets per employee
4.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.50%Loss allowance to noncurrent loans
61.35%Noncurrent assets plus other real estate owned to assets
0.63%Noncurrent loans to loans
0.82%Net loans and leases to deposits
93.44%Net loans and leases to core deposits
133.00%Equity capital to assets
9.28%Core capital (leverage) ratio
7.82%Tier 1 risk-based capital ratio
11.73%Total risk-based capital ratio
Memoranda
$14Average assets
$109,254Average earning assets
$9,576Average equity
$105,323Average loans
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