FDIC Certificate #: 8403 Status: Active Federal Reserve ID: 443625 Date Established: January 01, 1904 WWW:http://www.ottovillebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5353 Numeric code: 13 Regulator: FED 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 03, 2010 Last Structure Change Process Date: June 03, 2010 Last Data Update: June 03, 2010 Data Source Date: April 05, 2012
Location
Address: 161 West Third Street, Ottoville, OH 45876 County: Putnam 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
Financial Summary
Total assets: $79.6 mil Equity capital: $14.9 mil Deposits held in domestic offices: $56.0 mil Return on assets (ROA): 1.49% ($1.2 mil) Quarterly return on assets: 1.36% ($1.1 mil) Return on Equity (ROE): 7.93% ($1.2 mil) Quarterly return on equity: 7.10% ($1.1 mil) Net income: $1.1 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.58% ($1,257.7 mil) Quarterly Pretax return on assets: 1.60% ($1,273.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$79,602Total assets
$3,561Cash and due from depository institutions
$0Interest-bearing balances
$38,642Securities
$3,000Federal funds sold & reverse repurchase agreements
$30,064Net loans & leases
$387Loan loss allowance
$0Trading account assets
$67Bank premises and fixed assets
$24Other real estate owned
$0Goodwill and other intangibles
$79,602Life insurance assets
$4,244All other assets
$64,715Total liabilities and capital
$56,015Total liabilities
$46,336Total deposits
$56,015Interest-bearing deposits
$84Deposits held in domestic offices
4502.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,634Trading liabilities
$0Other borrowed funds
$1,564Subordinated debt
$14,887All other liabilities
$14,887Total equity capital
$14,887Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$400Surplus
$14,387Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1Income earned, not collected on loans
$0Earning assets
$501Long-term assets (5+ years)
$71,706Average Assets, year-to-date
$34,662Average Assets, quarterly
$76,005Volatile liabilities
$78,170Insider loans
$38,932FHLB advances
$78,985Loans and leases held for sale
$3,456Unused loan commitments
$3,456Tier 1 (core) risk-based capital
$13,868Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,067Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,970Total interest income
$374Total interest expense
$2,596Net interest income
$110Provision for loan and lease losses
$222Total noninterest income
$0Fiduciary activities
$32Service charges on deposit accounts
$0Trading account gains & fees
$190Additional noninterest income
$1,509Total noninterest expense
$765Salaries and employee benefits
$58Premises and equipment expense
$686Additional noninterest expense
$1,199Pre-tax net operating income
$2Securities gains (losses)
$65Applicable income taxes
$1,136Income before extraordinary items
$0Extraordinary gains - net
$1,136Net income attributable to bank
$0Net charge-offs
$1,136Cash dividends
$126Sale, conversion, retirement of capital stock, net
$681Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.39%Yield on earning assets
0.55%Cost of funding earning assets
3.83%Net interest margin
0.33%Noninterest income to earning assets
2.23%Noninterest expense to earning assets
1.49%Net operating income to assets
1.49%Return on assets (ROA)
1.58%Pretax return on assets
7.93%Return on equity (ROE)
3.18%Retained earnings to average equity (YTD only)
0.42%Net charge-offs to loans
87.30%Credit loss provision to net charge-offs
10.39%Efficiency ratio
53,549Assets per employee
7.24%Cash dividends to net income (YTD only)
Condition Ratios (%)
59.95%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
38700.00%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.00%Net loans and leases to deposits
53.67%Net loans and leases to core deposits
64.11%Equity capital to assets
18.70%Core capital (leverage) ratio
17.56%Tier 1 risk-based capital ratio
35.62%Total risk-based capital ratio
Memoranda
$37Average assets
$76,005Average earning assets
$14,316Average equity
$67,725Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5353
The Ottoville Bank Company
161 West Third Street, Ottoville, OH 45876
January 01, 1904
Full Service Brick and Mortar
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