NCB, FSB in Hillsboro, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • NCB, FSB in Hillsboro, Ohio (OH)
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NCB, FSB - Overview

  • General
  • FDIC Certificate #: 32612
    Status: Active
    Federal Reserve ID: 99376
    Date Established: September 16, 1988
    WWW: http://www.ncb.coop
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 8527
    FDIC's unique #: 45446
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 16, 1988
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 139 South High Street, Hillsboro, OH 45133
    County: Highland
    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
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $1,592.2 mil
    Equity capital: $170.6 mil
    Deposits held in domestic offices: $1,317.8 mil
    Return on assets (ROA): 0.33% ($5.3 mil)
    Quarterly return on assets: -0.71% (-$11.3 mil)
    Return on Equity (ROE): 2.79% ($4.8 mil)
    Quarterly return on equity: -6.15% (-$10.5 mil)
    Net income: $4.7 mil
    Quarterly Net income: -$2.6 mil
    Pretax return on assets: 0.36% ($5,731.8 mil)
    Quarterly Pretax return on assets: -0.82% (-$13,055.9 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
  • 259Total employees (full-time equivalent)
  • $1,592,178Total assets
  • $379,216Cash and due from depository institutions
  • $367,683Interest-bearing balances
  • $28,939Securities
  • $5,288Federal funds sold & reverse repurchase agreements
  • $1,109,002Net loans & leases
  • $12,234Loan loss allowance
  • $0Trading account assets
  • $3,663Bank premises and fixed assets
  • $9,553Other real estate owned
  • $17,778Goodwill and other intangibles
  • $1,592,178Life insurance assets
  • $38,739All other assets
  • $1,421,595Total liabilities and capital
  • $1,317,818Total liabilities
  • $893,134Total deposits
  • $1,317,818Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $93,682Trading liabilities
  • $0Other borrowed funds
  • $10,095Subordinated debt
  • $170,583All other liabilities
  • $170,583Total equity capital
  • $170,583Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $79,358Surplus
  • $91,224Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $39,758Income earned, not collected on loans
  • $0Earning assets
  • $5,611Long-term assets (5+ years)
  • $1,510,912Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $1,421,989Volatile liabilities
  • $1,485,158Insider loans
  • $1,189,469FHLB advances
  • $1,591,412Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $170,200Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $691,231Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $61,753Total interest income
  • $21,210Total interest expense
  • $40,543Net interest income
  • $8,117Provision for loan and lease losses
  • $25,340Total noninterest income
  • $0Fiduciary activities
  • $1,121Service charges on deposit accounts
  • -$184Trading account gains & fees
  • $24,403Additional noninterest income
  • $52,637Total noninterest expense
  • $30,490Salaries and employee benefits
  • $7,414Premises and equipment expense
  • $14,733Additional noninterest expense
  • $5,129Pre-tax net operating income
  • $0Securities gains (losses)
  • $406Applicable income taxes
  • $4,723Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,723Net income attributable to bank
  • $0Net charge-offs
  • $4,723Cash dividends
  • $11,749Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.62%Yield on earning assets
  • 1.59%Cost of funding earning assets
  • 3.03%Net interest margin
  • 1.90%Noninterest income to earning assets
  • 3.94%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 2.79%Return on equity (ROE)
  • 2.79%Retained earnings to average equity (YTD only)
  • 1.07%Net charge-offs to loans
  • 69.09%Credit loss provision to net charge-offs
  • 1.13%Efficiency ratio
  • 79,895Assets per employee
  • 6.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 30.77%Noncurrent assets plus other real estate owned to assets
  • 3.10%Noncurrent loans to loans
  • 3.55%Net loans and leases to deposits
  • 84.15%Net loans and leases to core deposits
  • 110.73%Equity capital to assets
  • 10.71%Core capital (leverage) ratio
  • 10.71%Tier 1 risk-based capital ratio
  • 14.31%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $1,421,989Average earning assets
  • $169,542Average equity
  • $1,336,299Average loans

List of branches

  • 4 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    045446Ncb, Fsb139 South High Street, Hillsboro, OH 45133September 16, 1988Full Service Brick and Mortar
    1492545Wilmington BranchRombach Avenue, Wilmington, OH 45177July 09, 2007Full Service Brick and Mortar
    4518324Fayetteville Branch19575 State Route 68, Fayetteville, OH 45118Febuary 22, 2005Full Service Brick and Mortar
    5518325Harry Sauner Branch575 Harry Sauner Road, Hillsboro, OH 45133July 01, 2003Full Service Brick and Mortar

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