Star Bank, Preble County in Eaton, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 18, 1993

Star Bank, Preble County in Eaton, Ohio (OH)
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Star Bank, Preble County - Overview

General
FDIC Certificate #: 6580
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: U.S. Bank National Association (#6548)
Federal Reserve ID: 879813
Date Established: January 01, 1873
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 4406
Numeric code: 21
Regulator: FDIC
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: January 01, 1934
Last Structure Change Effective Date: September 18, 1993
Last Structure Change Process Date: October 04, 1993
Last Data Update: October 04, 1993
Data Source Date: April 05, 2012
Location
Address: Main And Barron Streets, Eaton, OH 45320
County: Preble
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
Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
Core Based Statistical Area (CBSA): Dayton, OH (#19380)
CBSA Metro Statistical Area: Dayton, OH (#19380)
Financial Summary
Total assets: $72.3 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$32Total assets
$75,497Cash and due from depository institutions
$2,589Interest-bearing balances
$0Securities
$9,881Federal funds sold & reverse repurchase agreements
$4,495Net loans & leases
$56,482Loan loss allowance
$768Trading account assets
$0Bank premises and fixed assets
$607Other real estate owned
$0Goodwill and other intangibles
$1,443Life insurance assets
$0All other assets
$0Total liabilities and capital
$75,497Total liabilities
$68,717Total deposits
$67,065Interest-bearing deposits
$60,329Deposits held in domestic offices
67065.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$523Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,129Total equity capital
$1,129Total bank equity capital
$6,780Perpetual preferred stock
$0Common stock
$300Surplus
$600Undivided profits
Memoranda
$5,880Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$229Income earned, not collected on loans
$758Earning assets
$70,858Long-term assets (5+ years)
$9,415Average Assets, year-to-date
$73,329Average Assets, quarterly
$74,149Volatile liabilities
$5,827Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,042Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,780Total risk weighted assets
$53,014Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$6,197Total interest expense
$2,746Net interest income
$3,451Provision for loan and lease losses
$180Total noninterest income
$622Fiduciary activities
$0Service charges on deposit accounts
$236Trading account gains & fees
$0Additional noninterest income
$386Total noninterest expense
$2,194Salaries and employee benefits
$989Premises and equipment expense
$282Additional noninterest expense
$923Pre-tax net operating income
$1,699Securities gains (losses)
$0Applicable income taxes
$569Income before extraordinary items
$1,130Extraordinary gains - net
$0Net income attributable to bank
$1,130Net charge-offs
$206Cash dividends
$712Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.02%Cost of funding earning assets
4.00%Net interest margin
5.02%Noninterest income to earning assets
0.91%Noninterest expense to earning assets
3.19%Net operating income to assets
1.54%Return on assets (ROA)
1.54%Pretax return on assets
2.32%Return on equity (ROE)
17.21%Retained earnings to average equity (YTD only)
6.37%Net charge-offs to loans
0.36%Credit loss provision to net charge-offs
87.38%Efficiency ratio
53,867Assets per employee
2.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
63.01%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
335.37%Noncurrent assets plus other real estate owned to assets
0.30%Noncurrent loans to loans
0.40%Net loans and leases to deposits
84.22%Net loans and leases to core deposits
91.45%Equity capital to assets
8.98%Core capital (leverage) ratio
9.14%Tier 1 risk-based capital ratio
12.79%Total risk-based capital ratio
Memoranda
$14Average assets
$73,329Average earning assets
$6,567Average equity
$68,700Average loans

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