The First National Bank of Sycamore in city_name, state_name

The First National Bank of Sycamore in Sycamore, Ohio (OH)
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The First National Bank of Sycamore routing number info

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The First National Bank of Sycamore - Overview

General
FDIC Certificate #: 6706
Status: Active
Federal Reserve ID: 553926
Bank Holding Company (Regulatory Top Holder): Fnb Bancshares, Inc. (RSSDID: 4226693, Location: Sycamore, OH)
Date Established: July 01, 1919
WWW: http://www.fnbsycamore.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: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 4493
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
Location
Address: 141 S Sycamore Ave, Sycamore, OH 44882
County: Wyandot
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
History of Changes
Change in Location
Financial Summary
Total assets: $105.7 mil
Equity capital: $14.5 mil
Deposits held in domestic offices: $83.9 mil
Return on assets (ROA): 0.95% ($1.0 mil)
Quarterly return on assets: 0.78% ($0.8 mil)
Return on Equity (ROE): 7.03% ($1.1 mil)
Quarterly return on equity: 5.62% ($0.8 mil)
Net income: $1.0 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.95% ($1,003.8 mil)
Quarterly Pretax return on assets: 0.73% ($771.4 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
25Total employees (full-time equivalent)
$105,665Total assets
$4,726Cash and due from depository institutions
$2,876Interest-bearing balances
$43,798Securities
$166Federal funds sold & reverse repurchase agreements
$51,525Net loans & leases
$1,077Loan loss allowance
$0Trading account assets
$523Bank premises and fixed assets
$0Other real estate owned
$1,594Goodwill and other intangibles
$105,665Life insurance assets
$3,333All other assets
$91,161Total liabilities and capital
$83,941Total liabilities
$76,033Total deposits
$83,941Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,000Trading liabilities
$0Other borrowed funds
$1,220Subordinated debt
$14,504All other liabilities
$14,504Total equity capital
$14,504Total bank equity capital
$0Perpetual preferred stock
$1,200Common stock
$1,200Surplus
$12,104Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,301Income earned, not collected on loans
$0Earning assets
$593Long-term assets (5+ years)
$98,365Average Assets, year-to-date
$49,843Average Assets, quarterly
$102,901Volatile liabilities
$105,617Insider loans
$52,140FHLB advances
$104,615Loans and leases held for sale
$1,754Unused loan commitments
$1,754Tier 1 (core) risk-based capital
$12,498Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,221Restructured Loans and leases
$486Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,151Total interest income
$761Total interest expense
$3,390Net interest income
$120Provision for loan and lease losses
$330Total noninterest income
$0Fiduciary activities
$145Service charges on deposit accounts
$0Trading account gains & fees
$185Additional noninterest income
$2,683Total noninterest expense
$1,349Salaries and employee benefits
$319Premises and equipment expense
$1,015Additional noninterest expense
$917Pre-tax net operating income
$58Securities gains (losses)
-$5Applicable income taxes
$980Income before extraordinary items
$0Extraordinary gains - net
$980Net income attributable to bank
$0Net charge-offs
$980Cash dividends
$0Sale, conversion, retirement of capital stock, net
$396Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.32%Yield on earning assets
0.79%Cost of funding earning assets
3.53%Net interest margin
0.34%Noninterest income to earning assets
2.79%Noninterest expense to earning assets
0.90%Net operating income to assets
0.95%Return on assets (ROA)
0.95%Pretax return on assets
7.03%Return on equity (ROE)
4.19%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
72,124Assets per employee
4.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.41%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
82.78%Noncurrent assets plus other real estate owned to assets
1.23%Noncurrent loans to loans
2.47%Net loans and leases to deposits
61.38%Net loans and leases to core deposits
67.04%Equity capital to assets
13.73%Core capital (leverage) ratio
11.95%Tier 1 risk-based capital ratio
23.97%Total risk-based capital ratio
Memoranda
$25Average assets
$102,901Average earning assets
$13,944Average equity
$96,025Average loans

List of branches

3 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	4493	The First National Bank Of Sycamore	141 S Sycamore Ave, Sycamore, OH 44882	July 01, 1919	Full Service Brick and Mortar
1	211927	Mccutchenville Branch	Clay Street, Mccutchenville, OH 44844	July 12, 1976	Full Service Brick and Mortar
2	211525	New Riegel Branch	10 East Tiffin Street, New Riegel, OH 44853	August 01, 1988	Full Service Brick and Mortar

The First National Bank of Sycamore in Sycamore, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Sycamore - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Sycamore in Sycamore, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Sycamore - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The First National Bank of Sycamore in Sycamore, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches