Ohio Heritage Bank in Coshocton, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Ohio Heritage Bank in Coshocton, Ohio (OH)
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Ohio Heritage Bank routing number info

Ohio Heritage Bank - Overview

  • General
  • FDIC Certificate #: 34071
    Status: Active
    Federal Reserve ID: 2347044
    Bank Holding Company (Regulatory Top Holder): Ohio Heritage Bancorp, Inc. (RSSDID: 2347035, Location: Coshocton, OH)
    Date Established: October 04, 1995
    WWW: http://www.ohioheritage.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 14762
    FDIC's unique #: 56208
    Numeric code: 13
    Regulator: FED
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: October 04, 1995
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 Main Street, Coshocton, OH 43812
    County: Coshocton
    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): Coshocton, OH (#18740)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $270.2 mil
    Equity capital: $23.1 mil
    Deposits held in domestic offices: $184.5 mil
    Return on assets (ROA): 0.42% ($1.1 mil)
    Quarterly return on assets: 0.55% ($1.5 mil)
    Return on Equity (ROE): 5.23% ($1.2 mil)
    Quarterly return on equity: 6.45% ($1.5 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.56% ($1,513.0 mil)
    Quarterly Pretax return on assets: 0.77% ($2,080.4 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)
  • $270,183Total assets
  • $31,065Cash and due from depository institutions
  • $26,912Interest-bearing balances
  • $28,381Securities
  • $10,267Federal funds sold & reverse repurchase agreements
  • $179,797Net loans & leases
  • $2,806Loan loss allowance
  • $0Trading account assets
  • $10,514Bank premises and fixed assets
  • $810Other real estate owned
  • $0Goodwill and other intangibles
  • $270,183Life insurance assets
  • $9,349All other assets
  • $247,099Total liabilities and capital
  • $184,456Total liabilities
  • $169,191Total deposits
  • $184,456Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $60,457Trading liabilities
  • $0Other borrowed funds
  • $2,186Subordinated debt
  • $23,084All other liabilities
  • $23,084Total equity capital
  • $23,084Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $8,592Surplus
  • $12,992Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $624Income earned, not collected on loans
  • $0Earning assets
  • $872Long-term assets (5+ years)
  • $245,357Average Assets, year-to-date
  • $147,534Average Assets, quarterly
  • $275,711Volatile liabilities
  • $269,248Insider loans
  • $151,611FHLB advances
  • $269,790Loans and leases held for sale
  • $4,163Unused loan commitments
  • $4,163Tier 1 (core) risk-based capital
  • $22,983Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,181Restructured Loans and leases
  • $1,223Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,766Total interest income
  • $4,269Total interest expense
  • $7,497Net interest income
  • $601Provision for loan and lease losses
  • $1,317Total noninterest income
  • $0Fiduciary activities
  • $217Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,100Additional noninterest income
  • $6,675Total noninterest expense
  • $3,048Salaries and employee benefits
  • $924Premises and equipment expense
  • $2,703Additional noninterest expense
  • $1,538Pre-tax net operating income
  • $4Securities gains (losses)
  • $377Applicable income taxes
  • $1,165Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,165Net income attributable to bank
  • $0Net charge-offs
  • $1,165Cash dividends
  • $437Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 1.71%Cost of funding earning assets
  • 3.00%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 5.23%Return on equity (ROE)
  • 5.23%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 137.53%Credit loss provision to net charge-offs
  • 4.89%Efficiency ratio
  • 75,732Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 449.68%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 97.47%Net loans and leases to core deposits
  • 100.96%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.52%Tier 1 risk-based capital ratio
  • 15.16%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $275,711Average earning assets
  • $22,294Average equity
  • $250,183Average loans

List of branches

  • 6 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    056208Ohio Heritage Bank200 Main Street, Coshocton, OH 43812October 04, 1995Full Service Brick and Mortar
    1441639East Pointe Branch1100 Walnut Street, Coshocton, OH 43812November 23, 1998Full Service Brick and Mortar
    2452943Newark Branch1180 North 21st Street, Newark, OH 43055Febuary 20, 2006Full Service Brick and Mortar
    3452944Mount Vernon Branch1345 Yauger Road, Mount Vernon, OH 43050May 19, 2006Full Service Brick and Mortar
    4492915Heath Branch1066 Hebron Road, Heath, OH 43056April 24, 2009Full Service Brick and Mortar
    5495393New Philadelphia Branch1309 4th St N W, New Philadelphia, OH 44663August 01, 2003Full Service Brick and Mortar

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