1st National Bank in Lebanon, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

1st National Bank - Overview

  • General
  • FDIC Certificate #: 6646
    Status: Active
    Federal Reserve ID: 480723
    Date Established: January 01, 1907
    WWW: http://www.bankwith1st.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: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 8805
    FDIC's unique #: 4454
    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: Commercial Lending Specialization
    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: 730 East Main Street, Lebanon, OH 45036
    County: Warren
    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
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $112.5 mil
    Equity capital: $12.7 mil
    Deposits held in domestic offices: $96.7 mil
    Return on assets (ROA): 0.40% ($0.4 mil)
    Quarterly return on assets: 0.44% ($0.5 mil)
    Return on Equity (ROE): 3.50% ($0.5 mil)
    Quarterly return on equity: 3.86% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.40% ($450.0 mil)
    Quarterly Pretax return on assets: 0.44% ($495.0 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
  • 55Total employees (full-time equivalent)
  • $112,497Total assets
  • $3,798Cash and due from depository institutions
  • $1,547Interest-bearing balances
  • $15,133Securities
  • $2,400Federal funds sold & reverse repurchase agreements
  • $80,649Net loans & leases
  • $886Loan loss allowance
  • $0Trading account assets
  • $3,984Bank premises and fixed assets
  • $4,426Other real estate owned
  • $448Goodwill and other intangibles
  • $112,498Life insurance assets
  • $1,659All other assets
  • $99,824Total liabilities and capital
  • $96,684Total liabilities
  • $84,913Total deposits
  • $96,684Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $1,140Subordinated debt
  • $12,674All other liabilities
  • $12,674Total equity capital
  • $12,674Total bank equity capital
  • $0Perpetual preferred stock
  • $850Common stock
  • $850Surplus
  • $10,974Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,064Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,128Income earned, not collected on loans
  • $0Earning assets
  • $240Long-term assets (5+ years)
  • $99,729Average Assets, year-to-date
  • $48,020Average Assets, quarterly
  • $110,449Volatile liabilities
  • $111,532Insider loans
  • $81,268FHLB advances
  • $107,821Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,674Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,900Restructured Loans and leases
  • $4,388Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,053Total interest income
  • $1,197Total interest expense
  • $3,856Net interest income
  • $806Provision for loan and lease losses
  • $2,466Total noninterest income
  • $0Fiduciary activities
  • $1,048Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,418Additional noninterest income
  • $5,071Total noninterest expense
  • $2,897Salaries and employee benefits
  • $810Premises and equipment expense
  • $1,364Additional noninterest expense
  • $445Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $445Income before extraordinary items
  • $0Extraordinary gains - net
  • $445Net income attributable to bank
  • $0Net charge-offs
  • $445Cash dividends
  • $1,167Sale, conversion, retirement of capital stock, net
  • $274Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.92%Net interest margin
  • 2.51%Noninterest income to earning assets
  • 5.16%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 3.50%Return on equity (ROE)
  • 1.34%Retained earnings to average equity (YTD only)
  • 1.44%Net charge-offs to loans
  • 69.07%Credit loss provision to net charge-offs
  • 1.07%Efficiency ratio
  • 80,212Assets per employee
  • 2.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.57%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 41.64%Noncurrent assets plus other real estate owned to assets
  • 5.83%Noncurrent loans to loans
  • 2.61%Net loans and leases to deposits
  • 83.42%Net loans and leases to core deposits
  • 93.19%Equity capital to assets
  • 11.27%Core capital (leverage) ratio
  • 11.75%Tier 1 risk-based capital ratio
  • 15.60%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $110,449Average earning assets
  • $12,722Average equity
  • $98,361Average loans

List of branches

  • 11 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    044541st National Bank730 East Main Street, Lebanon, OH 45036January 01, 1907Full Service Brick and Mortar
    3211753Towne Mall Branch3616 Dixie Highway, Franklin, OH 45005June 27, 1977Full Service Brick and Mortar
    5211755Fields-Ertel Branch9015 Fields-Ertel Road, Cincinnati, OH 45249June 09, 1986Full Service Brick and Mortar
    6211756West Chester Branch9318 Cin-Col Road, Cincinnati, OH 45241April 01, 1988Full Service Brick and Mortar
    7211757Eastgate Branch4370 Eastgate Square Drive, Cincinnati, OH 45245July 06, 1992Full Service Brick and Mortar
    8211758Morrow Branch541 West Pike Street, Morrow, OH 45152July 06, 1992Full Service Brick and Mortar
    10211760Maineville Branch11 U.S. 22 And 3, Maineville, OH 45039January 02, 1996Full Service Brick and Mortar
    13419212Mason Branch7451 Mason Montgomery Road, Mason, OH 45040May 19, 2003Full Service Brick and Mortar
    15445428Walmart West Chester Branch8288 Cincinnati Dayton Road, West Chester, OH 45069August 24, 2005Full Service Brick and Mortar
    17447291Walmart Lebanon Branch1530 Walmart Drive, Lebanon, OH 45036October 26, 2005Full Service Retail
    18458086Lebanon Annex Branch1160 East Main Street, Lebanon, OH 45036November 06, 2006Full Service Brick and Mortar

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