FDIC Certificate #: 28623 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Foundation Bank (#28724) Federal Reserve ID: 615075 Date Established: January 01, 1882 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 1975 FDIC's unique #: 41457 Numeric code: 41 Regulator: FDIC 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 29, 1959 Last Structure Change Effective Date: September 19, 2002 Last Structure Change Process Date: October 16, 2002 Last Data Update: October 16, 2002 Data Source Date: April 05, 2012
Location
Address: 9960 Springfield Pike, Cincinnati, OH 45215 County: Hamilton 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: $9.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2001)
Dollar figures in thousands
5Total employees (full-time equivalent)
$10,720Total assets
$572Cash and due from depository institutions
$138Interest-bearing balances
$4,540Securities
$0Federal funds sold & reverse repurchase agreements
$4,671Net loans & leases
$89Loan loss allowance
$0Trading account assets
$242Bank premises and fixed assets
$31Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$664All other assets
$10,720Total liabilities and capital
$9,959Total liabilities
$9,861Total deposits
$9,520Interest-bearing deposits
$9,861Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$98All other liabilities
$761Total equity capital
$761Total bank equity capital
$761Perpetual preferred stock
$0Common stock
$38Surplus
$1,226Undivided profits
Memoranda
$-503Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$107Earning assets
$0Long-term assets (5+ years)
$52Average Assets, year-to-date
$9,349Average Assets, quarterly
$9,208Volatile liabilities
$12,299Insider loans
$11,316FHLB advances
$1,938Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$38Derivatives
Income and Expense (December 31, 2001)
Dollar figures in thousands
$723Total interest income
$599Total interest expense
$124Net interest income
$36Provision for loan and lease losses
$199Total noninterest income
$0Fiduciary activities
$21Service charges on deposit accounts
$0Trading account gains & fees
$178Additional noninterest income
$680Total noninterest expense
$291Salaries and employee benefits
$142Premises and equipment expense
$247Additional noninterest expense
-$393Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$393Income before extraordinary items
$0Extraordinary gains - net
-$393Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$31Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2001)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.31%Yield on earning assets
6.05%Cost of funding earning assets
1.25%Net interest margin
2.01%Noninterest income to earning assets
6.87%Noninterest expense to earning assets
-3.20%Net operating income to assets
-3.20%Return on assets (ROA)
-3.20%Pretax return on assets
-40.83%Return on equity (ROE)
-40.83%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
116.13%Credit loss provision to net charge-offs
-11.52%Efficiency ratio
210,526Assets per employee
2.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.87%Loss allowance to noncurrent loans
83.18%Noncurrent assets plus other real estate owned to assets
1.29%Noncurrent loans to loans
2.25%Net loans and leases to deposits
47.37%Net loans and leases to core deposits
58.95%Equity capital to assets
7.10%Core capital (leverage) ratio
7.60%Tier 1 risk-based capital ratio
29.10%Total risk-based capital ratio
Memoranda
$30Average assets
$12,299Average earning assets
$963Average equity
$9,894Average loans
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