Community First Bank & Trust in Celina, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 19, 2005

  • Community First Bank & Trust in Celina, Ohio (OH)
  • Show street view No street view available for this location

Community First Bank & Trust - Overview

  • General
  • FDIC Certificate #: 10660
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Financial Bank, National Association (#6600)
    Federal Reserve ID: 820310
    Date Established: January 01, 1870
    WWW: http://www.comfirst.com
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 36 (Interstate: No)
    OTS Docket #: 12742
    FDIC's unique #: 6837
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 19, 2005
    Last Structure Change Process Date: September 14, 2005
    Last Data Update: September 14, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 225 North Main Street, Celina, OH 45822
    County: Mercer
    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
    Core Based Statistical Area (CBSA): Celina, OH (#16380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $928.5 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, 2004)

  • Dollar figures in thousands
  • 352Total employees (full-time equivalent)
  • $852,466Total assets
  • $26,760Cash and due from depository institutions
  • $14Interest-bearing balances
  • $129,954Securities
  • $100Federal funds sold & reverse repurchase agreements
  • $626,397Net loans & leases
  • $11,479Loan loss allowance
  • $0Trading account assets
  • $14,259Bank premises and fixed assets
  • $430Other real estate owned
  • $25,805Goodwill and other intangibles
  • $0Life insurance assets
  • $28,761All other assets
  • $852,466Total liabilities and capital
  • $755,669Total liabilities
  • $633,689Total deposits
  • $539,814Interest-bearing deposits
  • $633,689Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $11,933Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $92,023Other borrowed funds
  • $2,500Subordinated debt
  • $15,524All other liabilities
  • $96,797Total equity capital
  • $96,797Total bank equity capital
  • $96,797Perpetual preferred stock
  • $0Common stock
  • $2,107Surplus
  • $62,960Undivided profits
  • Memoranda
  • $31,730Noncurrent loans and leases
  • $116,263Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,796Earning assets
  • $0Long-term assets (5+ years)
  • $3,913Average Assets, year-to-date
  • $756,465Average Assets, quarterly
  • $270,191Volatile liabilities
  • $878,785Insider loans
  • $858,428FHLB advances
  • $55,967Loans and leases held for sale
  • $4,782Unused loan commitments
  • $92,023Tier 1 (core) risk-based capital
  • $3,305Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $116,263Total unused commitments
  • $827Restructured Loans and leases
  • $10,219Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $44,404Total interest income
  • $11,406Total interest expense
  • $32,998Net interest income
  • -$1,450Provision for loan and lease losses
  • $10,323Total noninterest income
  • $1,841Fiduciary activities
  • $2,732Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,750Additional noninterest income
  • $31,116Total noninterest expense
  • $16,004Salaries and employee benefits
  • $2,916Premises and equipment expense
  • $12,196Additional noninterest expense
  • $13,655Pre-tax net operating income
  • $0Securities gains (losses)
  • $4,257Applicable income taxes
  • $9,398Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,398Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,338Sale, conversion, retirement of capital stock, net
  • $7,748Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.70%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 4.24%Net interest margin
  • 1.33%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 9.79%Return on equity (ROE)
  • 1.72%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • -108.37%Credit loss provision to net charge-offs
  • 9.12%Efficiency ratio
  • 70,377Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.44%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 410.55%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 98.85%Net loans and leases to core deposits
  • 103.60%Equity capital to assets
  • 11.35%Core capital (leverage) ratio
  • 10.05%Tier 1 risk-based capital ratio
  • 13.49%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $878,785Average earning assets
  • $96,021Average equity
  • $778,533Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $247,383Managed Assets
  • 1Number of Accounts
  • $227,050Personal trust and agency accounts
  • $128,940Employee benefit-defined contribution accounts
  • $10,382Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $11,271Corporate trust and agency accounts
  • $1,694Investment management agency accounts
  • $74,725Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $38Non-managed Assets
  • 757Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $20,333Other retirement accounts
  • $22Corporate trust and agency accounts
  • $5,846Other fiduciary accounts
  • $14,454Fiduciary accounts held in foreign offices

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Community First Bank & Trust.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents