The North Cincinnati Savings Bank, Inc. - Overview
General
FDIC Certificate #: 27805 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Enterprise Federal Savings Bank (#27997) Federal Reserve ID: 664877 Date Established: January 01, 1882 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 310 FDIC's unique #: 40639 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: December 03, 1951 Last Structure Change Effective Date: Febuary 21, 1998 Last Structure Change Process Date: April 27, 1998 Last Data Update: April 27, 1998 Data Source Date: April 05, 2012
Location
Address: 9477 Kenwood Road, Blue Ash, OH 45242 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: $60.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
10Total employees (full-time equivalent)
$60,366Total assets
$1,082Cash and due from depository institutions
$685Interest-bearing balances
$15,742Securities
$1,300Federal funds sold & reverse repurchase agreements
$41,125Net loans & leases
$51Loan loss allowance
$0Trading account assets
$506Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$611All other assets
$60,366Total liabilities and capital
$54,508Total liabilities
$50,659Total deposits
$50,637Interest-bearing deposits
$50,659Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,570Other borrowed funds
$0Subordinated debt
$279All other liabilities
$5,858Total equity capital
$5,858Total bank equity capital
$5,858Perpetual preferred stock
$0Common stock
$397Surplus
$3,156Undivided profits
Memoranda
$2,305Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$151Earning assets
$0Long-term assets (5+ years)
$235Average Assets, year-to-date
$58,852Average Assets, quarterly
$43,310Volatile liabilities
$61,132Insider loans
$60,476FHLB advances
$8,634Loans and leases held for sale
$353Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$893Total unused commitments
$0Restructured Loans and leases
$27,707Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$4,340Total interest income
$2,946Total interest expense
$1,394Net interest income
$0Provision for loan and lease losses
$26Total noninterest income
$0Fiduciary activities
$5Service charges on deposit accounts
$0Trading account gains & fees
$21Additional noninterest income
$1,169Total noninterest expense
$457Salaries and employee benefits
$236Premises and equipment expense
$476Additional noninterest expense
$251Pre-tax net operating income
$12Securities gains (losses)
$13Applicable income taxes
$250Income before extraordinary items
$0Extraordinary gains - net
$250Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.29%Yield on earning assets
4.95%Cost of funding earning assets
2.34%Net interest margin
0.04%Noninterest income to earning assets
1.96%Noninterest expense to earning assets
0.39%Net operating income to assets
0.41%Return on assets (ROA)
0.43%Pretax return on assets
4.45%Return on equity (ROE)
4.45%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
82,324Assets per employee
6.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.12%Loss allowance to noncurrent loans
33.77%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.37%Net loans and leases to deposits
81.18%Net loans and leases to core deposits
90.20%Equity capital to assets
9.70%Core capital (leverage) ratio
10.46%Tier 1 risk-based capital ratio
23.11%Total risk-based capital ratio
Memoranda
$23Average assets
$61,132Average earning assets
$5,620Average equity
$59,499Average loans
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