Brookville National Bank in Brookville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Brookville National Bank - Overview

  • General
  • FDIC Certificate #: 14357
    Status: Active
    Federal Reserve ID: 877015
    Bank Holding Company (Regulatory Top Holder): Bnb Bancorp, Inc. (RSSDID: 2560647, Location: Brookville, OH)
    Date Established: May 26, 1934
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 8971
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 26, 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: 225 Upper Lewisburg-Salem Road, Brookville, OH 45309
    County: Montgomery
    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): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $102.6 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $90.8 mil
    Return on assets (ROA): 0.35% ($0.4 mil)
    Quarterly return on assets: 0.29% ($0.3 mil)
    Return on Equity (ROE): 3.68% ($0.4 mil)
    Quarterly return on equity: 3.03% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.47% ($482.2 mil)
    Quarterly Pretax return on assets: 0.39% ($400.2 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
  • 24Total employees (full-time equivalent)
  • $102,605Total assets
  • $12,102Cash and due from depository institutions
  • $6,735Interest-bearing balances
  • $50,705Securities
  • $451Federal funds sold & reverse repurchase agreements
  • $35,606Net loans & leases
  • $380Loan loss allowance
  • $0Trading account assets
  • $2,829Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $102,605Life insurance assets
  • $912All other assets
  • $92,767Total liabilities and capital
  • $90,753Total liabilities
  • $77,938Total deposits
  • $90,753Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,300Other borrowed funds
  • $714Subordinated debt
  • $9,838All other liabilities
  • $9,838Total equity capital
  • $9,838Total bank equity capital
  • $0Perpetual preferred stock
  • $2,160Common stock
  • $2,160Surplus
  • $5,518Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2Income earned, not collected on loans
  • $0Earning assets
  • $409Long-term assets (5+ years)
  • $93,497Average Assets, year-to-date
  • $31,744Average Assets, quarterly
  • $100,600Volatile liabilities
  • $103,580Insider loans
  • $42,282FHLB advances
  • $103,872Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,227Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $788Restructured Loans and leases
  • $2,480Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,249Total interest income
  • $660Total interest expense
  • $2,589Net interest income
  • $0Provision for loan and lease losses
  • $262Total noninterest income
  • $0Fiduciary activities
  • $111Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $2,380Total noninterest expense
  • $1,238Salaries and employee benefits
  • $320Premises and equipment expense
  • $822Additional noninterest expense
  • $471Pre-tax net operating income
  • $5Securities gains (losses)
  • $121Applicable income taxes
  • $355Income before extraordinary items
  • $0Extraordinary gains - net
  • $355Net income attributable to bank
  • $0Net charge-offs
  • $355Cash dividends
  • $93Sale, conversion, retirement of capital stock, net
  • $171Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.54%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 2.82%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.60%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.47%Pretax return on assets
  • 3.68%Return on equity (ROE)
  • 1.91%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 5.06%Efficiency ratio
  • 83,479Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.17%Loss allowance to loans
  • 1.06%Loss allowance to noncurrent loans
  • 19000.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 39.23%Net loans and leases to core deposits
  • 39.34%Equity capital to assets
  • 9.59%Core capital (leverage) ratio
  • 8.88%Tier 1 risk-based capital ratio
  • 21.82%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $100,600Average earning assets
  • $9,653Average equity
  • $91,658Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08971Brookville National Bank225 Upper Lewisburg-Salem Road, Brookville, OH 45309May 26, 1934Full Service Brick and Mortar
    1231361Arlington Road Branch121 Hay Avenue, Brookville, OH 45309April 28, 1986Limited Service Facility

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