FDIC Certificate #: 6530 Status: Active Federal Reserve ID: 735414 Bank Holding Company (Regulatory Top Holder): First Blanchester Bancshares, Inc. (RSSDID: 1859193, Location: Blanchester, OH) Date Established: March 08, 1907 WWW:http://www.fnbblanchester.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 4368 Numeric code: 3 Regulator: OCC 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: No 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: 121 East Main Street, Blanchester, OH 45107 County: Clinton 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): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178) Core Based Statistical Area (CBSA): Wilmington, OH (#48940) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $52.2 mil Equity capital: $6.6 mil Deposits held in domestic offices: $45.1 mil Return on assets (ROA): 0.94% ($0.5 mil) Quarterly return on assets: 0.94% ($0.5 mil) Return on Equity (ROE): 7.41% ($0.5 mil) Quarterly return on equity: 7.44% ($0.5 mil) Net income: $0.5 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.37% ($715.6 mil) Quarterly Pretax return on assets: 1.37% ($715.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
19Total employees (full-time equivalent)
$52,230Total assets
$2,338Cash and due from depository institutions
$604Interest-bearing balances
$10,330Securities
$0Federal funds sold & reverse repurchase agreements
$36,122Net loans & leases
$152Loan loss allowance
$0Trading account assets
$966Bank premises and fixed assets
$0Other real estate owned
$506Goodwill and other intangibles
$52,230Life insurance assets
$1,968All other assets
$45,620Total liabilities and capital
$45,147Total liabilities
$41,464Total deposits
$45,147Interest-bearing deposits
$95Deposits held in domestic offices
95.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$378Subordinated debt
$6,610All other liabilities
$6,610Total equity capital
$6,610Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$2,060Surplus
$4,350Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$81Income earned, not collected on loans
$0Earning assets
$199Long-term assets (5+ years)
$47,056Average Assets, year-to-date
$29,049Average Assets, quarterly
$52,177Volatile liabilities
$52,841Insider loans
$32,883FHLB advances
$52,571Loans and leases held for sale
$1,346Unused loan commitments
$1,346Tier 1 (core) risk-based capital
$6,104Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,146Restructured Loans and leases
$1,020Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,286Total interest income
$260Total interest expense
$2,026Net interest income
$24Provision for loan and lease losses
$427Total noninterest income
$0Fiduciary activities
$280Service charges on deposit accounts
$0Trading account gains & fees
$147Additional noninterest income
$1,715Total noninterest expense
$776Salaries and employee benefits
$154Premises and equipment expense
$785Additional noninterest expense
$714Pre-tax net operating income
$0Securities gains (losses)
$222Applicable income taxes
$492Income before extraordinary items
$0Extraordinary gains - net
$492Net income attributable to bank
$0Net charge-offs
$492Cash dividends
$24Sale, conversion, retirement of capital stock, net
$455Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.87%Yield on earning assets
0.55%Cost of funding earning assets
4.32%Net interest margin
0.91%Noninterest income to earning assets
3.66%Noninterest expense to earning assets
0.94%Net operating income to assets
0.94%Return on assets (ROA)
1.37%Pretax return on assets
7.41%Return on equity (ROE)
0.56%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
30.75%Efficiency ratio
65,512Assets per employee
2.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
92.48%Loss allowance to loans
0.42%Loss allowance to noncurrent loans
187.65%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.22%Net loans and leases to deposits
80.01%Net loans and leases to core deposits
84.69%Equity capital to assets
12.66%Core capital (leverage) ratio
11.61%Tier 1 risk-based capital ratio
18.56%Total risk-based capital ratio
Memoranda
$19Average assets
$52,177Average earning assets
$6,642Average equity
$46,901Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4368
The First National Bank Of Blanchest
121 East Main Street, Blanchester, OH 45107
March 08, 1907
Full Service Brick and Mortar
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