Eaton National Bank & Trust Co. in Eaton, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Eaton National Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 6579
    Status: Active
    Federal Reserve ID: 1002618
    Bank Holding Company (Regulatory Top Holder): Colonial Banc Corp. (RSSDID: 1070840, Location: Eaton, OH)
    Date Established: September 10, 1892
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 14151
    FDIC's unique #: 4405
    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: 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: 110 West Main Street, Eaton, OH 45320
    County: Preble
    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): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $182.8 mil
    Equity capital: $18.4 mil
    Deposits held in domestic offices: $163.0 mil
    Return on assets (ROA): 0.58% ($1.1 mil)
    Quarterly return on assets: 0.17% ($0.3 mil)
    Return on Equity (ROE): 5.88% ($1.1 mil)
    Quarterly return on equity: 1.68% ($0.3 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.81% ($1,480.5 mil)
    Quarterly Pretax return on assets: 0.11% ($201.1 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
  • 59Total employees (full-time equivalent)
  • $182,780Total assets
  • $22,732Cash and due from depository institutions
  • $18,807Interest-bearing balances
  • $21,037Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $131,711Net loans & leases
  • $1,989Loan loss allowance
  • $0Trading account assets
  • $1,165Bank premises and fixed assets
  • $804Other real estate owned
  • $112Goodwill and other intangibles
  • $182,780Life insurance assets
  • $5,219All other assets
  • $164,426Total liabilities and capital
  • $163,022Total liabilities
  • $137,566Total deposits
  • $163,022Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 930.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $474Subordinated debt
  • $18,354All other liabilities
  • $18,354Total equity capital
  • $18,354Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $1,000Surplus
  • $16,979Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $99Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,833Income earned, not collected on loans
  • $0Earning assets
  • $768Long-term assets (5+ years)
  • $171,555Average Assets, year-to-date
  • $50,052Average Assets, quarterly
  • $183,793Volatile liabilities
  • $183,919Insider loans
  • $125,813FHLB advances
  • $185,659Loans and leases held for sale
  • $138Unused loan commitments
  • $138Tier 1 (core) risk-based capital
  • $18,256Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,941Restructured Loans and leases
  • $33Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,672Total interest income
  • $1,726Total interest expense
  • $6,946Net interest income
  • $450Provision for loan and lease losses
  • $353Total noninterest income
  • $73Fiduciary activities
  • $500Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$220Additional noninterest income
  • $5,456Total noninterest expense
  • $2,864Salaries and employee benefits
  • $403Premises and equipment expense
  • $2,189Additional noninterest expense
  • $1,393Pre-tax net operating income
  • $95Securities gains (losses)
  • $420Applicable income taxes
  • $1,068Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,068Net income attributable to bank
  • $0Net charge-offs
  • $1,068Cash dividends
  • $1,195Sale, conversion, retirement of capital stock, net
  • $420Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 3.19%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 5.88%Return on equity (ROE)
  • 3.57%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 37.66%Credit loss provision to net charge-offs
  • 1.54%Efficiency ratio
  • 74,750Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.33%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 41.15%Noncurrent assets plus other real estate owned to assets
  • 3.08%Noncurrent loans to loans
  • 3.61%Net loans and leases to deposits
  • 80.79%Net loans and leases to core deposits
  • 84.39%Equity capital to assets
  • 10.04%Core capital (leverage) ratio
  • 9.83%Tier 1 risk-based capital ratio
  • 14.51%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $183,793Average earning assets
  • $18,150Average equity
  • $171,158Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,110Managed Assets
  • 1Number of Accounts
  • $7,970Personal trust and agency accounts
  • $3,127Employee benefit-defined contribution accounts
  • $4,295Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $548Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 44Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $140Other retirement accounts
  • $140Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04405Eaton National Bank & Trust Co.110 West Main Street, Eaton, OH 45320September 10, 1892Full Service Brick and Mortar
    1211511West Alexandria Branch55 East Dayton Street, West Alexandria, OH 45381December 29, 1976Full Service Brick and Mortar
    24463New Paris Branch201 South Washington Street, New Paris, OH 45347January 01, 1908Full Service Brick and Mortar
    4211512Lewisburg Branch522 South Commerce Street, Lewisburg, OH 45338March 12, 1984Full Service Brick and Mortar
    7360831Barron Street Branch1697 North Barron Street, Eaton, OH 45320July 16, 2001Full Service Brick and Mortar

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