First National Bank in New Bremen in New Bremen, Ohio (OH)

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First National Bank in New Bremen
GeneralFDIC Certificate #: 14836
Status: Active
Federal Reserve ID: 204826
Date Established: January 01, 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: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 13163
FDIC's unique #: 9285
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: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: October 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
LocationAddress: 435 South Washington Street, New Bremen, OH 45869
County: Auglaize
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): Lima, OH (#4320)
Combined Statistical Area (CSA): Lima-Van Wert-Wapakoneta, OH (#338)
Core Based Statistical Area (CBSA): Wapakoneta, OH (#47540)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $234.6 mil
Equity capital: $22.5 mil
Deposits held in domestic offices: $201.7 mil
Return on assets (ROA): 1.25% ($2.9 mil)
Quarterly return on assets: 1.39% ($3.3 mil)
Return on Equity (ROE): 12.66% ($2.9 mil)
Quarterly return on equity: 14.34% ($3.3 mil)
Net income: $2.8 mil
Quarterly Net income: $0.8 mil
Pretax return on assets: 1.25% ($2,932.2 mil)
Quarterly Pretax return on assets: 1.39% ($3,260.6 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)
Total employees (full-time equivalent)60
Total assets$234,578
Cash and due from depository institutions$51,985
Interest-bearing balances$47,376
Federal funds sold & reverse repurchase agreements$494
Net loans & leases$99,870
Loan loss allowance $2,178
Trading account assets$0
Bank premises and fixed assets$2,935
Other real estate owned$94
Goodwill and other intangibles$0
All other assets$2,623
Life insurance assets$234,578
Total liabilities and capital$212,053
Total liabilities$201,707
Total deposits$175,293
Interest-bearing deposits$201,707
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$9,602
Other borrowed funds $0
Subordinated debt $744
All other liabilities $22,525
Total equity capital$22,525
Total bank equity capital$22,525
Perpetual preferred stock$0
Common stock$788
Undivided profits $20,297
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $473
Income earned, not collected on loans $1,914
Earning assets $0
Long-term assets (5+ years) $862
Average Assets, year-to-date $224,317
Average Assets, quarterly $31,017
Volatile liabilities $227,431
Insider loans $235,225
FHLB advances $115,080
Loans and leases held for sale $235,665
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $20,455
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $22,451
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,596
Total interest expense $2,085
Net interest income $7,511
Provision for loan and lease losses $224
Total noninterest income $641
Fiduciary activities $0
Service charges on deposit accounts $286
Trading account gains & fees $0
Additional noninterest income $355
Total noninterest expense $5,092
Salaries and employee benefits $2,767
Premises and equipment expense $768
Additional noninterest expense $1,557
Pre-tax net operating income $2,836
Securities gains (losses) $0
Applicable income taxes $2
Income before extraordinary items $2,834
Extraordinary gains - net $0
Net income attributable to bank $2,834
Net charge-offs $0
Cash dividends $2,834
Sale, conversion, retirement of capital stock, net $339
Net operating income $1,954
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.43%
Cost of funding earning assets 0.96%
Net interest margin 3.46%
Noninterest income to earning assets 0.30%
Noninterest expense to earning assets 2.35%
Net operating income to assets 1.25%
Return on assets (ROA) 1.25%
Pretax return on assets 1.25%
Return on equity (ROE) 12.66%
Retained earnings to average equity (YTD only) 3.93%
Net charge-offs to loans 0.33%
Credit loss provision to net charge-offs 66.08%
Efficiency ratio9.03%
Assets per employee$62,463
Cash dividends to net income (YTD only)3.91%
Condition Ratios (%)
Loss allowance to loans 68.95%
Loss allowance to noncurrent loans 2.13%
Noncurrent assets plus other real estate owned to assets 113.79%
Noncurrent loans to loans 0.86%
Net loans and leases to deposits1.88%
Net loans and leases to core deposits 49.51%
Equity capital to assets 50.79%
Core capital (leverage) ratio 9.60%
Tier 1 risk-based capital ratio 8.68%
Total risk-based capital ratio 17.77%
Average assets$19
Average earning assets$227,431
Average equity $22,390
Average loans $216,777
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7 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09285First National Bank In New Bremen435 South Washington Street, New Bremen, OH 45869January 01, 1934Full Service Brick and Mortar
1232241Abc New Bremen Office10 Bremen Drive, New Bremen, OH 45869October 01, 1988Full Service Brick and Mortar
2232242Wapakoneta Branch406 North Hamilton Street, Wapakoneta, OH 45895October 19, 1992Full Service Brick and Mortar
4232244Sidney Branch347 West Russell Road, Sidney, OH 45365March 25, 1996Full Service Brick and Mortar
5232245Botkins Branch204 West State Street, Botkins, OH 45306January 04, 1999Full Service Brick and Mortar
6232246New Bremen Mobile Branch235 Washington Street, New Bremen, OH 45869June 23, 1999Limited Service Mobile
7447190New Knoxville Banking Center Branch104 South Main Street, New Knoxville, OH 45871September 21, 2005Full Service Brick and Mortar
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