The National Bank of Adams County of West Union - Overview
General
FDIC Certificate #: 6728 Status: Active Federal Reserve ID: 290922 Date Established: April 28, 1928 WWW:http://www.nbaconline.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 #: 4510 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion 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: 28 North Market, West Union, OH 45693 County: Adams 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $78.7 mil Equity capital: $9.6 mil Deposits held in domestic offices: $68.9 mil Return on assets (ROA): 0.93% ($0.7 mil) Quarterly return on assets: 0.71% ($0.6 mil) Return on Equity (ROE): 7.46% ($0.7 mil) Quarterly return on equity: 5.77% ($0.6 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.93% ($732.1 mil) Quarterly Pretax return on assets: 0.71% ($558.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
18Total employees (full-time equivalent)
$78,716Total assets
$9,784Cash and due from depository institutions
$7,004Interest-bearing balances
$3,999Securities
$23,331Federal funds sold & reverse repurchase agreements
$39,365Net loans & leases
$187Loan loss allowance
$0Trading account assets
$1,045Bank premises and fixed assets
$573Other real estate owned
$0Goodwill and other intangibles
$78,716Life insurance assets
$619All other assets
$69,086Total liabilities and capital
$68,918Total liabilities
$57,263Total deposits
$68,918Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$168Subordinated debt
$9,630All other liabilities
$9,630Total equity capital
$9,630Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$2,500Surplus
$7,030Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,629Income earned, not collected on loans
$0Earning assets
$289Long-term assets (5+ years)
$73,699Average Assets, year-to-date
$15,458Average Assets, quarterly
$77,620Volatile liabilities
$78,342Insider loans
$37,213FHLB advances
$77,495Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,630Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$321Restructured Loans and leases
$802Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,690Total interest income
$480Total interest expense
$2,210Net interest income
$50Provision for loan and lease losses
$191Total noninterest income
$0Fiduciary activities
$117Service charges on deposit accounts
$0Trading account gains & fees
$74Additional noninterest income
$1,632Total noninterest expense
$861Salaries and employee benefits
$140Premises and equipment expense
$631Additional noninterest expense
$719Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$719Income before extraordinary items
$0Extraordinary gains - net
$719Net income attributable to bank
$0Net charge-offs
$719Cash dividends
$2Sale, conversion, retirement of capital stock, net
$600Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.67%Yield on earning assets
0.66%Cost of funding earning assets
3.02%Net interest margin
0.26%Noninterest income to earning assets
2.23%Noninterest expense to earning assets
0.93%Net operating income to assets
0.93%Return on assets (ROA)
0.93%Pretax return on assets
7.46%Return on equity (ROE)
1.23%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
2500.00%Credit loss provision to net charge-offs
384.50%Efficiency ratio
67,972Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.45%Loss allowance to loans
0.47%Loss allowance to noncurrent loans
11.48%Noncurrent assets plus other real estate owned to assets
2.80%Noncurrent loans to loans
4.12%Net loans and leases to deposits
57.12%Net loans and leases to core deposits
61.98%Equity capital to assets
12.23%Core capital (leverage) ratio
12.43%Tier 1 risk-based capital ratio
25.88%Total risk-based capital ratio
Memoranda
$26Average assets
$77,620Average earning assets
$9,637Average equity
$73,282Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4510
The National Bank Of Adams County Of
28 North Market, West Union, OH 45693
April 28, 1928
Full Service Brick and Mortar
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