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


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
  • NoIDNameAddressEstablishedService TypeMap
    06072First Bank Of Ohio175 South Washington Street, Tiffin, OH 44883March 03, 1873Full Service Brick and Mortar
    1220178Bloomville Branch22 South Marion Street, Bloomville, OH 44818December 30, 1957Full Service Brick and Mortar
    28631Marietta Branch320 Front Street, Marietta, OH 45750January 01, 1934Full Service Brick and Mortar
    3230286Belpre Branch1100 Washington Boulevard, Belpre, OH 45714April 07, 1971Full Service Brick and Mortar
    4230288Mount Vernon Branch115 West High Street, Mount Vernon, OH 43050June 11, 1985Full Service Brick and Mortar

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