FDIC Certificate #: 34282 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Exchange Bank (#2066) Federal Reserve ID: 2376914 Date Established: October 15, 1996 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) FDIC's unique #: 57041 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: October 15, 1996 Last Structure Change Effective Date: June 20, 1998 Last Structure Change Process Date: July 10, 1998 Last Data Update: October 19, 1998 Data Source Date: April 05, 2012
Location
Address: 610 East South Boundary Street, Perrysburg, OH 43551 County: Wood 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): Toledo, OH (#8400) Combined Statistical Area (CSA): Toledo-Fremont, OH (#534) Core Based Statistical Area (CBSA): Toledo, OH (#45780) CBSA Metro Statistical Area: Toledo, OH (#45780)
Financial Summary
Total assets: $20.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
10Total employees (full-time equivalent)
$20,269Total assets
$1,014Cash and due from depository institutions
$0Interest-bearing balances
$2,595Securities
$3,142Federal funds sold & reverse repurchase agreements
$13,130Net loans & leases
$742Loan loss allowance
$0Trading account assets
$87Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$301All other assets
$20,269Total liabilities and capital
$18,228Total liabilities
$18,117Total deposits
$16,991Interest-bearing deposits
$18,117Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$111All other liabilities
$2,041Total equity capital
$2,041Total bank equity capital
$2,041Perpetual preferred stock
$0Common stock
$1,600Surplus
$1,600Undivided profits
Memoranda
$-1,159Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$104Earning assets
$0Long-term assets (5+ years)
$53Average Assets, year-to-date
$18,867Average Assets, quarterly
$2,049Volatile liabilities
$14,848Insider loans
$18,305FHLB advances
$5,689Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,525Total unused commitments
$0Restructured Loans and leases
$12,632Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$1,187Total interest income
$593Total interest expense
$594Net interest income
$722Provision for loan and lease losses
$53Total noninterest income
$0Fiduciary activities
$4Service charges on deposit accounts
$0Trading account gains & fees
$49Additional noninterest income
$1,347Total noninterest expense
$436Salaries and employee benefits
$569Premises and equipment expense
$342Additional noninterest expense
-$1,422Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$1,422Income before extraordinary items
$0Extraordinary gains - net
-$1,422Net 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)
8.51%Yield on earning assets
4.25%Cost of funding earning assets
4.26%Net interest margin
0.38%Noninterest income to earning assets
9.65%Noninterest expense to earning assets
-9.58%Net operating income to assets
-9.58%Return on assets (ROA)
-9.58%Pretax return on assets
-49.08%Return on equity (ROE)
-49.08%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
208,192Assets per employee
2.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
5.35%Loss allowance to noncurrent loans
713.46%Noncurrent assets plus other real estate owned to assets
0.51%Noncurrent loans to loans
0.75%Net loans and leases to deposits
72.47%Net loans and leases to core deposits
105.65%Equity capital to assets
10.07%Core capital (leverage) ratio
10.72%Tier 1 risk-based capital ratio
16.13%Total risk-based capital ratio
Memoranda
$17Average assets
$14,848Average earning assets
$2,897Average equity
$13,955Average loans
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