FDIC Certificate #: 24271 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The National Bank and Trust Company (#6731) Federal Reserve ID: 480817 Date Established: Febuary 07, 1983 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Interstate: No) FDIC's unique #: 16889 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: Febuary 07, 1983 Last Structure Change Effective Date: December 31, 2009 Last Structure Change Process Date: January 13, 2010 Last Data Update: January 13, 2010 Data Source Date: April 05, 2012
Location
Address: 1400 East Second Street, Franklin, OH 45005 County: Warren 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): Cincinnati, OH-KY-IN (#1640) Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21) Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140) CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
Financial Summary
Total assets: $91.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
43Total employees (full-time equivalent)
$105,807Total assets
$5,940Cash and due from depository institutions
$133Interest-bearing balances
$14,268Securities
$6,300Federal funds sold & reverse repurchase agreements
$71,215Net loans & leases
$3,299Loan loss allowance
$0Trading account assets
$4,285Bank premises and fixed assets
$1,611Other real estate owned
$243Goodwill and other intangibles
$0Life insurance assets
$1,945All other assets
$105,807Total liabilities and capital
$97,056Total liabilities
$96,407Total deposits
$79,787Interest-bearing deposits
$96,407Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$649All other liabilities
$8,751Total equity capital
$8,751Total bank equity capital
$8,751Perpetual preferred stock
$0Common stock
$766Surplus
$996Undivided profits
Memoranda
$6,989Noncurrent loans and leases
$2,175Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,684Earning assets
$0Long-term assets (5+ years)
$321Average Assets, year-to-date
$91,916Average Assets, quarterly
$38,073Volatile liabilities
$119,577Insider loans
$110,295FHLB advances
$17,759Loans and leases held for sale
$639Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,175Total unused commitments
$0Restructured Loans and leases
$829Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$6,328Total interest income
$3,019Total interest expense
$3,309Net interest income
$1,300Provision for loan and lease losses
$2,181Total noninterest income
$0Fiduciary activities
$608Service charges on deposit accounts
$0Trading account gains & fees
$1,573Additional noninterest income
$6,479Total noninterest expense
$2,810Salaries and employee benefits
$827Premises and equipment expense
$2,842Additional noninterest expense
-$2,289Pre-tax net operating income
$0Securities gains (losses)
-$41Applicable income taxes
-$2,248Income before extraordinary items
$0Extraordinary gains - net
-$2,248Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$2,368Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.06%Yield on earning assets
2.89%Cost of funding earning assets
3.17%Net interest margin
2.09%Noninterest income to earning assets
6.20%Noninterest expense to earning assets
-1.88%Net operating income to assets
-1.88%Return on assets (ROA)
-1.91%Pretax return on assets
-22.57%Return on equity (ROE)
-22.57%Retained earnings to average equity (YTD only)
2.82%Net charge-offs to loans
54.90%Credit loss provision to net charge-offs
-0.42%Efficiency ratio
113,607Assets per employee
2.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.43%Loss allowance to noncurrent loans
89.55%Noncurrent assets plus other real estate owned to assets
5.00%Noncurrent loans to loans
4.94%Net loans and leases to deposits
73.87%Net loans and leases to core deposits
90.55%Equity capital to assets
8.27%Core capital (leverage) ratio
7.40%Tier 1 risk-based capital ratio
12.97%Total risk-based capital ratio
Memoranda
$14Average assets
$119,577Average earning assets
$9,961Average equity
$104,500Average loans
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