First Bank of Ohio in city_name, state_name - Detailed Financial Reports, Location

First Bank of Ohio in Tiffin, Ohio (OH)
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First Bank of Ohio routing number info

First Bank of Ohio - Overview

General
FDIC Certificate #: 9450
Status: Active
Federal Reserve ID: 586027
Bank Holding Company (Regulatory Top Holder): Tonti Financial Corporation (RSSDID: 1069714, Location: Columbus, OH)
Date Established: March 03, 1873
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 9964
FDIC's unique #: 6072
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 09, 2011
Last Structure Change Process Date: December 09, 2011
Last Data Update: December 09, 2011
Data Source Date: April 05, 2012
Location
Address: 175 South Washington Street, Tiffin, OH 44883
County: Seneca
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): Findlay-Tiffin, OH (#248)
Core Based Statistical Area (CBSA): Tiffin, OH (#45660)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $159.9 mil
Equity capital: $54.8 mil
Deposits held in domestic offices: $104.2 mil
Return on assets (ROA): 1.45% ($2.3 mil)
Quarterly return on assets: 1.26% ($2.0 mil)
Return on Equity (ROE): 4.31% ($2.4 mil)
Quarterly return on equity: 3.68% ($2.0 mil)
Net income: $2.3 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.92% ($3,069.6 mil)
Quarterly Pretax return on assets: 1.68% ($2,685.9 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
39Total employees (full-time equivalent)
$159,873Total assets
$5,995Cash and due from depository institutions
$3,520Interest-bearing balances
$91,811Securities
$2,136Federal funds sold & reverse repurchase agreements
$48,172Net loans & leases
$1,550Loan loss allowance
$0Trading account assets
$866Bank premises and fixed assets
$145Other real estate owned
$0Goodwill and other intangibles
$159,873Life insurance assets
$10,748All other assets
$105,028Total liabilities and capital
$104,158Total liabilities
$98,951Total deposits
$104,158Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$870Subordinated debt
$54,845All other liabilities
$54,845Total equity capital
$54,845Total bank equity capital
$0Perpetual preferred stock
$1,131Common stock
$2,319Surplus
$51,395Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$356Income earned, not collected on loans
$0Earning assets
$638Long-term assets (5+ years)
$145,639Average Assets, year-to-date
$78,757Average Assets, quarterly
$159,088Volatile liabilities
$160,040Insider loans
$78,785FHLB advances
$159,876Loans and leases held for sale
$8,038Unused loan commitments
$8,038Tier 1 (core) risk-based capital
$53,912Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$101Restructured Loans and leases
$10Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,539Total interest income
$1,245Total interest expense
$6,294Net interest income
$555Provision for loan and lease losses
$381Total noninterest income
$0Fiduciary activities
$50Service charges on deposit accounts
$0Trading account gains & fees
$331Additional noninterest income
$3,098Total noninterest expense
$1,193Salaries and employee benefits
$349Premises and equipment expense
$1,556Additional noninterest expense
$3,022Pre-tax net operating income
$27Securities gains (losses)
$742Applicable income taxes
$2,307Income before extraordinary items
$0Extraordinary gains - net
$2,307Net income attributable to bank
$0Net charge-offs
$2,307Cash dividends
$363Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.22%Yield on earning assets
0.86%Cost of funding earning assets
4.36%Net interest margin
0.26%Noninterest income to earning assets
2.14%Noninterest expense to earning assets
1.44%Net operating income to assets
1.45%Return on assets (ROA)
1.92%Pretax return on assets
4.31%Return on equity (ROE)
4.31%Retained earnings to average equity (YTD only)
0.69%Net charge-offs to loans
152.89%Credit loss provision to net charge-offs
9.85%Efficiency ratio
46,412Assets per employee
4.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.12%Loss allowance to noncurrent loans
435.39%Noncurrent assets plus other real estate owned to assets
0.41%Noncurrent loans to loans
0.72%Net loans and leases to deposits
46.25%Net loans and leases to core deposits
75.62%Equity capital to assets
34.31%Core capital (leverage) ratio
33.72%Tier 1 risk-based capital ratio
68.43%Total risk-based capital ratio
Memoranda
$70Average assets
$159,088Average earning assets
$53,551Average equity
$144,493Average loans

List of branches

5 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6072	First Bank Of Ohio	175 South Washington Street, Tiffin, OH 44883	March 03, 1873	Full Service Brick and Mortar
1	220178	Bloomville Branch	22 South Marion Street, Bloomville, OH 44818	December 30, 1957	Full Service Brick and Mortar
2	8631	Marietta Branch	320 Front Street, Marietta, OH 45750	January 01, 1934	Full Service Brick and Mortar
3	230286	Belpre Branch	1100 Washington Boulevard, Belpre, OH 45714	April 07, 1971	Full Service Brick and Mortar
4	230288	Mount Vernon Branch	115 West High Street, Mount Vernon, OH 43050	June 11, 1985	Full Service Brick and Mortar

First Bank of Ohio in Tiffin, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Ohio - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Ohio in Tiffin, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank of Ohio - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank of Ohio in Tiffin, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches