FDIC Certificate #: 2286 Status: Active Federal Reserve ID: 870913 Date Established: January 01, 1885 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 1512 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: Mortgage Lending Specialization Date of Deposit Insurance: January 01, 1934 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: 101 North Main Street, De Graff, OH 43318 County: Logan 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): Bellefontaine, OH (#13340) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $27.7 mil Equity capital: $3.6 mil Deposits held in domestic offices: $23.8 mil Return on assets (ROA): 0.26% ($0.1 mil) Quarterly return on assets: -0.90% (-$0.3 mil) Return on Equity (ROE): 2.09% ($0.1 mil) Quarterly return on equity: -7.04% (-$0.3 mil) Net income: $0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.24% ($66.5 mil) Quarterly Pretax return on assets: -1.14% (-$316.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$27,729Total assets
$1,311Cash and due from depository institutions
$100Interest-bearing balances
$12,764Securities
$1,024Federal funds sold & reverse repurchase agreements
$9,923Net loans & leases
$100Loan loss allowance
$0Trading account assets
$515Bank premises and fixed assets
$197Other real estate owned
$0Goodwill and other intangibles
$27,729Life insurance assets
$1,995All other assets
$24,147Total liabilities and capital
$23,792Total liabilities
$20,749Total deposits
$23,792Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$355Subordinated debt
$3,582All other liabilities
$3,582Total equity capital
$3,582Total bank equity capital
$0Perpetual preferred stock
$135Common stock
$215Surplus
$3,232Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$305Income earned, not collected on loans
$0Earning assets
$117Long-term assets (5+ years)
$23,811Average Assets, year-to-date
$12,617Average Assets, quarterly
$28,530Volatile liabilities
$28,328Insider loans
$14,289FHLB advances
$28,602Loans and leases held for sale
$1,343Unused loan commitments
$1,343Tier 1 (core) risk-based capital
$3,551Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$916Restructured Loans and leases
$346Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,044Total interest income
$232Total interest expense
$812Net interest income
$85Provision for loan and lease losses
$145Total noninterest income
$0Fiduciary activities
$28Service charges on deposit accounts
$0Trading account gains & fees
$117Additional noninterest income
$945Total noninterest expense
$456Salaries and employee benefits
$175Premises and equipment expense
$314Additional noninterest expense
-$73Pre-tax net operating income
$142Securities gains (losses)
-$6Applicable income taxes
$75Income before extraordinary items
$0Extraordinary gains - net
$75Net income attributable to bank
$0Net charge-offs
$75Cash dividends
$85Sale, conversion, retirement of capital stock, net
$14Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.21%Yield on earning assets
0.94%Cost of funding earning assets
3.28%Net interest margin
0.59%Noninterest income to earning assets
3.81%Noninterest expense to earning assets
-0.23%Net operating income to assets
0.26%Return on assets (ROA)
0.24%Pretax return on assets
2.09%Return on equity (ROE)
1.70%Retained earnings to average equity (YTD only)
0.82%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
0.14%Efficiency ratio
98,746Assets per employee
3.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.67%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
32.79%Noncurrent assets plus other real estate owned to assets
1.81%Noncurrent loans to loans
3.04%Net loans and leases to deposits
41.71%Net loans and leases to core deposits
42.28%Equity capital to assets
12.92%Core capital (leverage) ratio
12.42%Tier 1 risk-based capital ratio
24.85%Total risk-based capital ratio
Memoranda
$26Average assets
$28,530Average earning assets
$3,590Average equity
$24,772Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
1512
The Citizens Bank Of De Graff
101 North Main Street, De Graff, OH 43318
January 01, 1885
Full Service Brick and Mortar
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