FDIC Certificate #: 5973 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Croghan Colonial Bank (#13341) Federal Reserve ID: 581116 Date Established: May 14, 1914 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 4052 Numeric code: 13 Regulator: FED 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: January 01, 2005 Last Structure Change Process Date: January 11, 2005 Last Data Update: January 11, 2005 Data Source Date: April 05, 2012
Location
Address: Main Street, Custar, OH 43511 County: Wood 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): Toledo, OH (#8400) Combined Statistical Area (CSA): Toledo-Fremont, OH (#534) Core Based Statistical Area (CBSA): Toledo, OH (#45780) CBSA Metro Statistical Area: Toledo, OH (#45780)
Financial Summary
Total assets: $49.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
7Total employees (full-time equivalent)
$49,894Total assets
$2,357Cash and due from depository institutions
$0Interest-bearing balances
$16,411Securities
$0Federal funds sold & reverse repurchase agreements
$30,397Net loans & leases
$349Loan loss allowance
$0Trading account assets
$62Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$667All other assets
$49,894Total liabilities and capital
$40,871Total liabilities
$40,798Total deposits
$37,424Interest-bearing deposits
$40,798Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$73All other liabilities
$9,023Total equity capital
$9,023Total bank equity capital
$9,023Perpetual preferred stock
$0Common stock
$1,875Surplus
$2,000Undivided profits
Memoranda
$5,148Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$190Earning assets
$0Long-term assets (5+ years)
$266Average Assets, year-to-date
$46,808Average Assets, quarterly
$16,909Volatile liabilities
$52,234Insider loans
$50,986FHLB advances
$5,553Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$297Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$2,781Total interest income
$758Total interest expense
$2,023Net interest income
-$2Provision for loan and lease losses
$61Total noninterest income
$0Fiduciary activities
$55Service charges on deposit accounts
$0Trading account gains & fees
$6Additional noninterest income
$1,271Total noninterest expense
$383Salaries and employee benefits
$63Premises and equipment expense
$825Additional noninterest expense
$815Pre-tax net operating income
$0Securities gains (losses)
$360Applicable income taxes
$455Income before extraordinary items
$0Extraordinary gains - net
$455Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$375Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.55%Yield on earning assets
1.51%Cost of funding earning assets
4.04%Net interest margin
0.12%Noninterest income to earning assets
2.54%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
1.56%Pretax return on assets
4.97%Return on equity (ROE)
0.87%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
60,988Assets per employee
7.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
82.42%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
183.68%Noncurrent assets plus other real estate owned to assets
0.38%Noncurrent loans to loans
0.62%Net loans and leases to deposits
74.51%Net loans and leases to core deposits
86.24%Equity capital to assets
18.08%Core capital (leverage) ratio
17.50%Tier 1 risk-based capital ratio
39.26%Total risk-based capital ratio
Memoranda
$41Average assets
$52,234Average earning assets
$9,155Average equity
$50,103Average loans
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