FDIC Certificate #: 31032 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:LCNB National Bank (#6623) Federal Reserve ID: 690773 Date Established: January 01, 1880 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Interstate: No) OTS Docket #: 6283 FDIC's unique #: 43866 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: July 25, 1985 Last Structure Change Effective Date: December 21, 2007 Last Structure Change Process Date: January 02, 2008 Last Data Update: January 02, 2008 Data Source Date: April 05, 2012
Location
Address: 3209 West Galbraith Road, Cincinnati, OH 45239 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: $49.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
18Total employees (full-time equivalent)
$49,193Total assets
$934Cash and due from depository institutions
$16Interest-bearing balances
$1,779Securities
$4,670Federal funds sold & reverse repurchase agreements
$40,150Net loans & leases
$607Loan loss allowance
$0Trading account assets
$865Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$795All other assets
$49,193Total liabilities and capital
$44,730Total liabilities
$44,487Total deposits
$41,150Interest-bearing deposits
$44,487Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$243All other liabilities
$4,463Total equity capital
$4,463Total bank equity capital
$4,463Perpetual preferred stock
$230Common stock
$1,111Surplus
$1,115Undivided profits
Memoranda
$2,007Noncurrent loans and leases
$4,340Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$77Earning assets
$0Long-term assets (5+ years)
$250Average Assets, year-to-date
$46,615Average Assets, quarterly
$8,881Volatile liabilities
$48,768Insider loans
$48,926FHLB advances
$5,869Loans and leases held for sale
$133Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$4,340Total unused commitments
$0Restructured Loans and leases
$533Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$3,760Total interest income
$1,243Total interest expense
$2,517Net interest income
$180Provision for loan and lease losses
$177Total noninterest income
$0Fiduciary activities
$98Service charges on deposit accounts
$0Trading account gains & fees
$79Additional noninterest income
$2,003Total noninterest expense
$964Salaries and employee benefits
$107Premises and equipment expense
$932Additional noninterest expense
$511Pre-tax net operating income
$0Securities gains (losses)
$174Applicable income taxes
$337Income before extraordinary items
$0Extraordinary gains - net
$337Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$177Sale, conversion, retirement of capital stock, net
$36Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.13%Yield on earning assets
2.69%Cost of funding earning assets
5.44%Net interest margin
0.38%Noninterest income to earning assets
4.33%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
1.05%Pretax return on assets
7.82%Return on equity (ROE)
6.98%Retained earnings to average equity (YTD only)
0.43%Net charge-offs to loans
101.69%Credit loss provision to net charge-offs
3.90%Efficiency ratio
74,350Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
10.68%Loss allowance to loans
1.49%Loss allowance to noncurrent loans
788.31%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.19%Net loans and leases to deposits
90.25%Net loans and leases to core deposits
103.97%Equity capital to assets
9.07%Core capital (leverage) ratio
9.14%Tier 1 risk-based capital ratio
10.53%Total risk-based capital ratio
Memoranda
$12Average assets
$48,768Average earning assets
$4,309Average equity
$46,237Average loans
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