FDIC Certificate #: 27883 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Enterprise Federal Savings Bank (#27997) Federal Reserve ID: 609878 Date Established: January 01, 1885 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 468 FDIC's unique #: 40717 Numeric code: 35 Regulator: OTS 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: June 08, 1953 Last Structure Change Effective Date: November 20, 1998 Last Structure Change Process Date: Febuary 18, 1999 Last Data Update: Febuary 18, 1999 Data Source Date: April 05, 2012
Location
Address: 928 Lila Avenue, Milford, OH 45150 County: Clermont 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: $76.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
26Total employees (full-time equivalent)
$72,195Total assets
$6,295Cash and due from depository institutions
$4,880Interest-bearing balances
$20,388Securities
$100Federal funds sold & reverse repurchase agreements
$43,317Net loans & leases
$283Loan loss allowance
$0Trading account assets
$1,043Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,052All other assets
$72,195Total liabilities and capital
$64,599Total liabilities
$62,198Total deposits
$61,665Interest-bearing deposits
$62,198Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,998Other borrowed funds
$0Subordinated debt
$403All other liabilities
$7,596Total equity capital
$7,596Total bank equity capital
$7,596Perpetual preferred stock
$0Common stock
$158Surplus
$26Undivided profits
Memoranda
$7,412Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$213Earning assets
$0Long-term assets (5+ years)
$206Average Assets, year-to-date
$68,685Average Assets, quarterly
$0Volatile liabilities
$71,535Insider loans
$72,064FHLB advances
$6,926Loans and leases held for sale
$0Unused loan commitments
$1,998Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,065Total unused commitments
$0Restructured Loans and leases
$29,395Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$4,910Total interest income
$2,738Total interest expense
$2,172Net interest income
$16Provision for loan and lease losses
$237Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$237Additional noninterest income
$1,437Total noninterest expense
$836Salaries and employee benefits
$276Premises and equipment expense
$325Additional noninterest expense
$956Pre-tax net operating income
$10Securities gains (losses)
$391Applicable income taxes
$575Income before extraordinary items
$0Extraordinary gains - net
$575Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$16Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.20%Yield on earning assets
4.01%Cost of funding earning assets
3.18%Net interest margin
0.35%Noninterest income to earning assets
2.11%Noninterest expense to earning assets
0.79%Net operating income to assets
0.80%Return on assets (ROA)
1.35%Pretax return on assets
7.82%Return on equity (ROE)
7.60%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-800.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
59,651Assets per employee
2.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
2.78%Loss allowance to loans
0.65%Loss allowance to noncurrent loans
132.86%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.49%Net loans and leases to deposits
69.64%Net loans and leases to core deposits
75.64%Equity capital to assets
10.52%Core capital (leverage) ratio
10.73%Tier 1 risk-based capital ratio
26.41%Total risk-based capital ratio
Memoranda
$27Average assets
$71,535Average earning assets
$7,356Average equity
$68,195Average loans
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