First State Bank in city_name, state_name - Detailed Financial Reports, Location

First State Bank in Winchester, Ohio (OH)
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First State Bank routing number info

First State Bank - Overview

General
FDIC Certificate #: 9437
Status: Active
Federal Reserve ID: 294023
Bank Holding Company (Regulatory Top Holder): First State Bancorp, Inc. (RSSDID: 2376941, Location: Winchester, OH)
Date Established: January 01, 1934
WWW: http://www.fsb4me.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 6062
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 04, 2012
Last Structure Change Process Date: January 04, 2012
Last Data Update: January 04, 2012
Data Source Date: April 05, 2012
Location
Address: 19230 State Route 136, Winchester, OH 45697
County: Adams
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Cincinnati
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $234.3 mil
Equity capital: $25.0 mil
Deposits held in domestic offices: $207.8 mil
Return on assets (ROA): 1.28% ($3.0 mil)
Quarterly return on assets: 0.98% ($2.3 mil)
Return on Equity (ROE): 12.37% ($3.1 mil)
Quarterly return on equity: 9.22% ($2.3 mil)
Net income: $2.9 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.73% ($4,053.2 mil)
Quarterly Pretax return on assets: 1.22% ($2,858.3 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
72Total employees (full-time equivalent)
$234,288Total assets
$14,692Cash and due from depository institutions
$10,812Interest-bearing balances
$65,131Securities
$10Federal funds sold & reverse repurchase agreements
$143,218Net loans & leases
$3,203Loan loss allowance
$0Trading account assets
$3,544Bank premises and fixed assets
$0Other real estate owned
$2,422Goodwill and other intangibles
$234,288Life insurance assets
$5,271All other assets
$209,299Total liabilities and capital
$207,840Total liabilities
$182,626Total deposits
$207,840Interest-bearing deposits
$88Deposits held in domestic offices
795.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$89Trading liabilities
$0Other borrowed funds
$575Subordinated debt
$24,989All other liabilities
$24,989Total equity capital
$24,989Total bank equity capital
$0Perpetual preferred stock
$1,800Common stock
$5,300Surplus
$17,889Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$475Income earned, not collected on loans
$0Earning assets
$1,074Long-term assets (5+ years)
$219,171Average Assets, year-to-date
$81,947Average Assets, quarterly
$225,943Volatile liabilities
$232,719Insider loans
$140,790FHLB advances
$232,674Loans and leases held for sale
$2,877Unused loan commitments
$2,877Tier 1 (core) risk-based capital
$21,387Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,362Restructured Loans and leases
$4,787Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,489Total interest income
$1,768Total interest expense
$8,721Net interest income
$739Provision for loan and lease losses
$2,228Total noninterest income
$0Fiduciary activities
$1,169Service charges on deposit accounts
$0Trading account gains & fees
$1,059Additional noninterest income
$6,647Total noninterest expense
$3,290Salaries and employee benefits
$1,270Premises and equipment expense
$2,087Additional noninterest expense
$3,563Pre-tax net operating income
$343Securities gains (losses)
$1,020Applicable income taxes
$2,886Income before extraordinary items
$0Extraordinary gains - net
$2,886Net income attributable to bank
$0Net charge-offs
$2,886Cash dividends
$166Sale, conversion, retirement of capital stock, net
$590Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.00%Yield on earning assets
0.84%Cost of funding earning assets
4.16%Net interest margin
1.06%Noninterest income to earning assets
3.17%Noninterest expense to earning assets
1.16%Net operating income to assets
1.28%Return on assets (ROA)
1.73%Pretax return on assets
12.37%Return on equity (ROE)
9.84%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
445.18%Credit loss provision to net charge-offs
25.92%Efficiency ratio
57,603Assets per employee
3.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
20.44%Loss allowance to loans
2.19%Loss allowance to noncurrent loans
674.32%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.32%Net loans and leases to deposits
68.91%Net loans and leases to core deposits
74.16%Equity capital to assets
10.67%Core capital (leverage) ratio
9.19%Tier 1 risk-based capital ratio
15.19%Total risk-based capital ratio
Memoranda
$16Average assets
$225,943Average earning assets
$23,336Average equity
$209,588Average loans

List of branches

8 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6062	First State Bank	19230 State Route 136, Winchester, OH 45697	January 01, 1934	Full Service Brick and Mortar
1	220143	Seaman Branch	105 South Main Street, Seaman, OH 45679	September 01, 1959	Full Service Brick and Mortar
2	220144	Manchester Branch	210 Pike Street, Manchester, OH 45144	May 01, 1969	Full Service Brick and Mortar
3	220145	West Union Branch	409 West Main Street, West Union, OH 45693	July 24, 1989	Full Service Brick and Mortar
4	220146	Peebles Branch	145 North Main Street, Peebles, OH 45660	October 07, 1996	Full Service Brick and Mortar
5	211876	Georgetown Branch	4928 Street, Route 125, Georgetown, OH 45121	January 17, 1996	Full Service Brick and Mortar
6	6841	Ripley Branch	101 Main Street, Ripley, OH 45167	December 01, 1902	Full Service Brick and Mortar
7	453051	Mt Orab Branch	501 West Main Street, Mount Orab, OH 45154	June 26, 2006	Full Service Brick and Mortar

First State Bank in Winchester, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank in Winchester, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First State Bank in Winchester, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches