FDIC Certificate #: 6714 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Citizens Banking Company (#12982) Federal Reserve ID: 233022 Date Established: September 14, 1851 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 9 (Interstate: No) OTS Docket #: 10980 FDIC's unique #: 4498 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 18, 2007 Last Structure Change Process Date: January 02, 2008 Last Data Update: January 02, 2008 Data Source Date: April 05, 2012
Location
Address: 601 Scioto Street, Urbana, OH 43078 County: Champaign 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): Dayton-Springfield-Greenville, OH (#212) Core Based Statistical Area (CBSA): Urbana, OH (#46500) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $274.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
93Total employees (full-time equivalent)
$268,278Total assets
$7,206Cash and due from depository institutions
$9Interest-bearing balances
$30,145Securities
$3,293Federal funds sold & reverse repurchase agreements
$213,860Net loans & leases
$1,680Loan loss allowance
$0Trading account assets
$7,676Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$6,098All other assets
$268,278Total liabilities and capital
$243,307Total liabilities
$231,368Total deposits
$195,865Interest-bearing deposits
$231,368Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$9,855Other borrowed funds
$0Subordinated debt
$2,084All other liabilities
$24,971Total equity capital
$24,971Total bank equity capital
$24,971Perpetual preferred stock
$0Common stock
$3,348Surplus
$8,390Undivided profits
Memoranda
$13,233Noncurrent loans and leases
$40,024Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$394Earning assets
$0Long-term assets (5+ years)
$2,076Average Assets, year-to-date
$247,307Average Assets, quarterly
$30,561Volatile liabilities
$266,103Insider loans
$267,840FHLB advances
$51,106Loans and leases held for sale
$6,990Unused loan commitments
$9,840Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$40,024Total unused commitments
$0Restructured Loans and leases
$1,680Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$18,117Total interest income
$6,548Total interest expense
$11,569Net interest income
$0Provision for loan and lease losses
$2,727Total noninterest income
$321Fiduciary activities
$1,446Service charges on deposit accounts
$0Trading account gains & fees
$960Additional noninterest income
$9,720Total noninterest expense
$5,065Salaries and employee benefits
$2,126Premises and equipment expense
$2,529Additional noninterest expense
$4,576Pre-tax net operating income
$26Securities gains (losses)
$1,404Applicable income taxes
$3,198Income before extraordinary items
$0Extraordinary gains - net
$3,198Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$558Sale, conversion, retirement of capital stock, net
$4,420Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.46%Yield on earning assets
2.70%Cost of funding earning assets
4.76%Net interest margin
1.12%Noninterest income to earning assets
4.00%Noninterest expense to earning assets
1.20%Net operating income to assets
1.20%Return on assets (ROA)
1.73%Pretax return on assets
12.00%Return on equity (ROE)
-4.58%Retained earnings to average equity (YTD only)
0.27%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
8.20%Efficiency ratio
67,991Assets per employee
2.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
138.21%Loss allowance to loans
0.78%Loss allowance to noncurrent loans
426.40%Noncurrent assets plus other real estate owned to assets
0.15%Noncurrent loans to loans
0.18%Net loans and leases to deposits
92.43%Net loans and leases to core deposits
118.24%Equity capital to assets
9.31%Core capital (leverage) ratio
9.21%Tier 1 risk-based capital ratio
11.66%Total risk-based capital ratio
Memoranda
$12Average assets
$266,103Average earning assets
$26,658Average equity
$242,943Average loans
Total Fiduciary and Related Assets (December 31, 2006)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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