FDIC Certificate #: 9436 Status: Inactive Closing history: Absorption - Without Assistance Acquiring institution:The National Bank and Trust Company (#6731) Federal Reserve ID: 159627 Date Established: January 01, 1875 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 3 (Interstate: No) FDIC's unique #: 6061 Numeric code: 13 Regulator: FED Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 10, 2001 Last Structure Change Process Date: January 07, 2002 Last Data Update: January 07, 2002 Data Source Date: April 05, 2012
Location
Address: 135 North Howard Street, Sabina, OH 45169 County: Clinton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Dallas 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
Financial Summary
Total assets: $50.0 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
32Total employees (full-time equivalent)
$58,935Total assets
$3,452Cash and due from depository institutions
$0Interest-bearing balances
$12,010Securities
$100Federal funds sold & reverse repurchase agreements
$39,910Net loans & leases
$360Loan loss allowance
$0Trading account assets
$1,292Bank premises and fixed assets
$0Other real estate owned
$1,514Goodwill and other intangibles
$0Life insurance assets
$657All other assets
$58,935Total liabilities and capital
$51,673Total liabilities
$49,342Total deposits
$38,872Interest-bearing deposits
$49,342Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$2,000Other borrowed funds
$0Subordinated debt
$331All other liabilities
$7,262Total equity capital
$7,262Total bank equity capital
$7,262Perpetual preferred stock
$0Common stock
$110Surplus
$2,890Undivided profits
Memoranda
$4,262Noncurrent loans and leases
$2,981Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$201Earning assets
$0Long-term assets (5+ years)
$303Average Assets, year-to-date
$52,020Average Assets, quarterly
$22,382Volatile liabilities
$57,923Insider loans
$58,975FHLB advances
$10,686Loans and leases held for sale
$1,480Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,981Total unused commitments
$48Restructured Loans and leases
$360Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$4,299Total interest income
$1,917Total interest expense
$2,382Net interest income
$80Provision for loan and lease losses
$309Total noninterest income
$0Fiduciary activities
$229Service charges on deposit accounts
$0Trading account gains & fees
$80Additional noninterest income
$2,090Total noninterest expense
$958Salaries and employee benefits
$276Premises and equipment expense
$856Additional noninterest expense
$521Pre-tax net operating income
-$30Securities gains (losses)
$134Applicable income taxes
$357Income before extraordinary items
$0Extraordinary gains - net
$357Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$74Sale, conversion, retirement of capital stock, net
$150Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.37%Yield on earning assets
3.73%Cost of funding earning assets
4.64%Net interest margin
0.60%Noninterest income to earning assets
4.07%Noninterest expense to earning assets
0.65%Net operating income to assets
0.62%Return on assets (ROA)
0.85%Pretax return on assets
5.08%Return on equity (ROE)
2.95%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
108.11%Credit loss provision to net charge-offs
8.12%Efficiency ratio
69,640Assets per employee
1.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.02%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
179.10%Noncurrent assets plus other real estate owned to assets
0.34%Noncurrent loans to loans
0.50%Net loans and leases to deposits
80.88%Net loans and leases to core deposits
98.17%Equity capital to assets
12.32%Core capital (leverage) ratio
9.87%Tier 1 risk-based capital ratio
16.30%Total risk-based capital ratio
Memoranda
$17Average assets
$57,923Average earning assets
$7,022Average equity
$51,341Average loans
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