FDIC Certificate #: 20527 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank of Zanesville (#6739) Federal Reserve ID: 56614 Date Established: November 01, 1971 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 12977 FDIC's unique #: 14166 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: November 01, 1971 Last Structure Change Effective Date: May 16, 1998 Last Structure Change Process Date: June 02, 1998 Last Data Update: June 02, 1998 Data Source Date: April 05, 2012
Location
Address: 2010 Lakeman Drive, Bellbrook, OH 45305 County: Greene 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 Metropolitan Statistical Area (MSA): Dayton-Springfield, OH (#2000) 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: $42.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Assets and Liabilities (December 31, 1997)
Dollar figures in thousands
17Total employees (full-time equivalent)
$42,441Total assets
$1,555Cash and due from depository institutions
$0Interest-bearing balances
$3,047Securities
$0Federal funds sold & reverse repurchase agreements
$37,035Net loans & leases
$334Loan loss allowance
$0Trading account assets
$432Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$372All other assets
$42,441Total liabilities and capital
$39,134Total liabilities
$37,923Total deposits
$30,679Interest-bearing deposits
$37,923Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$750Other borrowed funds
$0Subordinated debt
$461All other liabilities
$3,307Total equity capital
$3,307Total bank equity capital
$3,307Perpetual preferred stock
$0Common stock
$50Surplus
$1,292Undivided profits
Memoranda
$1,965Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$81Earning assets
$0Long-term assets (5+ years)
$162Average Assets, year-to-date
$40,082Average Assets, quarterly
$3,386Volatile liabilities
$37,854Insider loans
$42,007FHLB advances
$2,909Loans and leases held for sale
$874Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,816Total unused commitments
$0Restructured Loans and leases
$35,116Derivatives
Income and Expense (December 31, 1997)
Dollar figures in thousands
$2,910Total interest income
$1,418Total interest expense
$1,492Net interest income
$69Provision for loan and lease losses
$537Total noninterest income
$0Fiduciary activities
$204Service charges on deposit accounts
$0Trading account gains & fees
$333Additional noninterest income
$1,359Total noninterest expense
$669Salaries and employee benefits
$24Premises and equipment expense
$666Additional noninterest expense
$601Pre-tax net operating income
$0Securities gains (losses)
$166Applicable income taxes
$435Income before extraordinary items
$0Extraordinary gains - net
$435Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$6Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1997)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.18%Yield on earning assets
3.98%Cost of funding earning assets
4.19%Net interest margin
1.51%Noninterest income to earning assets
3.82%Noninterest expense to earning assets
1.15%Net operating income to assets
1.15%Return on assets (ROA)
1.59%Pretax return on assets
15.17%Return on equity (ROE)
15.17%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
1150.00%Credit loss provision to net charge-offs
111.67%Efficiency ratio
66,979Assets per employee
2.50%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
412.35%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.22%Net loans and leases to deposits
97.66%Net loans and leases to core deposits
105.77%Equity capital to assets
7.79%Core capital (leverage) ratio
7.86%Tier 1 risk-based capital ratio
9.41%Total risk-based capital ratio
Memoranda
$10Average assets
$37,854Average earning assets
$2,867Average equity
$35,591Average loans
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