The Ohio State Bank in Marion, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Ohio State Bank in Marion, Ohio (OH)
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The Ohio State Bank routing number info

The Ohio State Bank - Overview

  • General
  • FDIC Certificate #: 27328
    Status: Active
    Federal Reserve ID: 1215726
    Bank Holding Company (Regulatory Top Holder): Rbancshares, Inc. (RSSDID: 4001162, Location: Lewis Center, OH)
    Date Established: August 23, 1988
    WWW: http://www.theohiostatebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10080
    FDIC's unique #: 39582
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 23, 1988
    Last Structure Change Effective Date: April 03, 2012
    Last Structure Change Process Date: April 03, 2012
    Last Data Update: April 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 South Main Street, Marion, OH 43302
    County: Marion
    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): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Marion, OH (#32020)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $127.1 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $102.4 mil
    Return on assets (ROA): -2.01% (-$2.6 mil)
    Quarterly return on assets: -6.59% (-$8.4 mil)
    Return on Equity (ROE): -24.67% (-$2.2 mil)
    Quarterly return on equity: -85.75% (-$7.7 mil)
    Net income: -$2.5 mil
    Quarterly Net income: -$2.1 mil
    Pretax return on assets: -2.01% (-$2,555.4 mil)
    Quarterly Pretax return on assets: -6.59% (-$8,378.3 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
  • 35Total employees (full-time equivalent)
  • $127,136Total assets
  • $4,159Cash and due from depository institutions
  • $2,068Interest-bearing balances
  • $24,327Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,820Net loans & leases
  • $2,354Loan loss allowance
  • $0Trading account assets
  • $5,682Bank premises and fixed assets
  • $2,843Other real estate owned
  • $2,310Goodwill and other intangibles
  • $127,136Life insurance assets
  • $2,995All other assets
  • $118,380Total liabilities and capital
  • $102,410Total liabilities
  • $81,535Total deposits
  • $102,410Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,582Trading liabilities
  • $0Other borrowed funds
  • $1,388Subordinated debt
  • $8,756All other liabilities
  • $8,756Total equity capital
  • $8,756Total bank equity capital
  • $0Perpetual preferred stock
  • $1,212Common stock
  • $11,159Surplus
  • $-3,615Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,697Income earned, not collected on loans
  • $0Earning assets
  • $454Long-term assets (5+ years)
  • $111,215Average Assets, year-to-date
  • $30,365Average Assets, quarterly
  • $122,294Volatile liabilities
  • $128,270Insider loans
  • $85,084FHLB advances
  • $128,093Loans and leases held for sale
  • $1,654Unused loan commitments
  • $1,654Tier 1 (core) risk-based capital
  • $6,172Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,130Restructured Loans and leases
  • $1,699Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,875Total interest income
  • $958Total interest expense
  • $4,917Net interest income
  • $2,440Provision for loan and lease losses
  • $351Total noninterest income
  • $0Fiduciary activities
  • $375Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$24Additional noninterest income
  • $5,289Total noninterest expense
  • $2,345Salaries and employee benefits
  • $714Premises and equipment expense
  • $2,230Additional noninterest expense
  • -$2,461Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$2,461Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,461Net income attributable to bank
  • $0Net charge-offs
  • -$2,461Cash dividends
  • $1,152Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 4.97%Noninterest expense to earning assets
  • -2.01%Net operating income to assets
  • -2.01%Return on assets (ROA)
  • -2.01%Pretax return on assets
  • -24.67%Return on equity (ROE)
  • -24.67%Retained earnings to average equity (YTD only)
  • 1.37%Net charge-offs to loans
  • 211.81%Credit loss provision to net charge-offs
  • -0.02%Efficiency ratio
  • 98,292Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.70%Loss allowance to noncurrent loans
  • 50.12%Noncurrent assets plus other real estate owned to assets
  • 5.93%Noncurrent loans to loans
  • 5.39%Net loans and leases to deposits
  • 82.82%Net loans and leases to core deposits
  • 85.86%Equity capital to assets
  • 6.89%Core capital (leverage) ratio
  • 4.82%Tier 1 risk-based capital ratio
  • 7.25%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $122,294Average earning assets
  • $9,974Average equity
  • $106,391Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    039582The Ohio State Bank111 South Main Street, Marion, OH 43302August 23, 1988Full Service Brick and Mortar
    1334295Richland Road Branch220 Richland Road, Marion, OH 43302December 06, 1996Full Service Brick and Mortar
    2233706Richwood Branch24 West Ottawa Street, Richwood, OH 43344November 07, 1983Full Service Brick and Mortar
    3211673Green Camp Branch201 Marion Street, Green Camp, OH 43322April 25, 1955Full Service Brick and Mortar
    4470599Lewis Center30 Coal Bend, Delaware, OH 43015December 31, 2007Full Service Brick and Mortar

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