FDIC Certificate #: 9438 Status: Active Federal Reserve ID: 274025 Bank Holding Company (Regulatory Top Holder): Victory Bancshares, Inc. (RSSDID: 2266873, Location: Mount Victory, OH) Date Established: September 14, 1929 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 6063 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 08, 2011 Last Structure Change Process Date: December 08, 2011 Last Data Update: December 08, 2011 Data Source Date: April 05, 2012
Location
Address: 103 S Main St, Mount Victory, OH 43340 County: Hardin 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
Financial Summary
Total assets: $15.7 mil Equity capital: $1.9 mil Deposits held in domestic offices: $13.8 mil Return on assets (ROA): 0.18% ($0.0 mil) Quarterly return on assets: -0.23% (-$0.0 mil) Return on Equity (ROE): 1.46% ($0.0 mil) Quarterly return on equity: -1.89% (-$0.0 mil) Net income: $0.0 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.21% ($32.9 mil) Quarterly Pretax return on assets: -0.26% (-$40.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$15,688Total assets
$1,222Cash and due from depository institutions
$108Interest-bearing balances
$9,819Securities
$1,469Federal funds sold & reverse repurchase agreements
$2,843Net loans & leases
$96Loan loss allowance
$0Trading account assets
$77Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$15,688Life insurance assets
$258All other assets
$13,810Total liabilities and capital
$13,794Total liabilities
$9,896Total deposits
$13,794Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$16Subordinated debt
$1,878All other liabilities
$1,878Total equity capital
$1,878Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$250Surplus
$1,378Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$88Long-term assets (5+ years)
$14,239Average Assets, year-to-date
$8,065Average Assets, quarterly
$15,364Volatile liabilities
$15,661Insider loans
$5,932FHLB advances
$15,685Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,835Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,983Restructured Loans and leases
$33Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$488Total interest income
$53Total interest expense
$435Net interest income
$0Provision for loan and lease losses
$65Total noninterest income
$0Fiduciary activities
$57Service charges on deposit accounts
$0Trading account gains & fees
$8Additional noninterest income
$468Total noninterest expense
$229Salaries and employee benefits
$71Premises and equipment expense
$168Additional noninterest expense
$32Pre-tax net operating income
$0Securities gains (losses)
$5Applicable income taxes
$27Income before extraordinary items
$0Extraordinary gains - net
$27Net income attributable to bank
$0Net charge-offs
$27Cash dividends
$5Sale, conversion, retirement of capital stock, net
$25Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.50%Yield on earning assets
0.38%Cost of funding earning assets
3.12%Net interest margin
0.47%Noninterest income to earning assets
3.36%Noninterest expense to earning assets
0.18%Net operating income to assets
0.18%Return on assets (ROA)
0.21%Pretax return on assets
1.46%Return on equity (ROE)
0.11%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
6.40%Efficiency ratio
93,600Assets per employee
2.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
92.59%Loss allowance to loans
3.27%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
20.61%Net loans and leases to core deposits
20.61%Equity capital to assets
11.97%Core capital (leverage) ratio
11.70%Tier 1 risk-based capital ratio
30.93%Total risk-based capital ratio
Memoranda
$32Average assets
$15,364Average earning assets
$1,853Average equity
$13,942Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6063
The Mt. Victory State Bank
103 S Main St, Mount Victory, OH 43340
September 14, 1929
Full Service Brick and Mortar
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