First State Bank in Winchester, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


First State Bank - Overview

  • General
  • FDIC Certificate #: 9437
    Status: Active
    Federal Reserve ID: 294023
    Bank Holding Company (Regulatory Top Holder): First State Bancorp, Inc. (RSSDID: 2376941, Location: Winchester, OH)
    Date Established: January 01, 1934
    WWW: http://www.fsb4me.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 6062
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 19230 State Route 136, Winchester, OH 45697
    County: Adams
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $234.3 mil
    Equity capital: $25.0 mil
    Deposits held in domestic offices: $207.8 mil
    Return on assets (ROA): 1.28% ($3.0 mil)
    Quarterly return on assets: 0.98% ($2.3 mil)
    Return on Equity (ROE): 12.37% ($3.1 mil)
    Quarterly return on equity: 9.22% ($2.3 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.73% ($4,053.2 mil)
    Quarterly Pretax return on assets: 1.22% ($2,858.3 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
  • 72Total employees (full-time equivalent)
  • $234,288Total assets
  • $14,692Cash and due from depository institutions
  • $10,812Interest-bearing balances
  • $65,131Securities
  • $10Federal funds sold & reverse repurchase agreements
  • $143,218Net loans & leases
  • $3,203Loan loss allowance
  • $0Trading account assets
  • $3,544Bank premises and fixed assets
  • $0Other real estate owned
  • $2,422Goodwill and other intangibles
  • $234,288Life insurance assets
  • $5,271All other assets
  • $209,299Total liabilities and capital
  • $207,840Total liabilities
  • $182,626Total deposits
  • $207,840Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 795.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $89Trading liabilities
  • $0Other borrowed funds
  • $575Subordinated debt
  • $24,989All other liabilities
  • $24,989Total equity capital
  • $24,989Total bank equity capital
  • $0Perpetual preferred stock
  • $1,800Common stock
  • $5,300Surplus
  • $17,889Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $475Income earned, not collected on loans
  • $0Earning assets
  • $1,074Long-term assets (5+ years)
  • $219,171Average Assets, year-to-date
  • $81,947Average Assets, quarterly
  • $225,943Volatile liabilities
  • $232,719Insider loans
  • $140,790FHLB advances
  • $232,674Loans and leases held for sale
  • $2,877Unused loan commitments
  • $2,877Tier 1 (core) risk-based capital
  • $21,387Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,362Restructured Loans and leases
  • $4,787Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,489Total interest income
  • $1,768Total interest expense
  • $8,721Net interest income
  • $739Provision for loan and lease losses
  • $2,228Total noninterest income
  • $0Fiduciary activities
  • $1,169Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,059Additional noninterest income
  • $6,647Total noninterest expense
  • $3,290Salaries and employee benefits
  • $1,270Premises and equipment expense
  • $2,087Additional noninterest expense
  • $3,563Pre-tax net operating income
  • $343Securities gains (losses)
  • $1,020Applicable income taxes
  • $2,886Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,886Net income attributable to bank
  • $0Net charge-offs
  • $2,886Cash dividends
  • $166Sale, conversion, retirement of capital stock, net
  • $590Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.16%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 12.37%Return on equity (ROE)
  • 9.84%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 445.18%Credit loss provision to net charge-offs
  • 25.92%Efficiency ratio
  • 57,603Assets per employee
  • 3.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.44%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 674.32%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 68.91%Net loans and leases to core deposits
  • 74.16%Equity capital to assets
  • 10.67%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 15.19%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $225,943Average earning assets
  • $23,336Average equity
  • $209,588Average loans

List of branches

  • 8 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06062First State Bank19230 State Route 136, Winchester, OH 45697January 01, 1934Full Service Brick and Mortar
    1220143Seaman Branch105 South Main Street, Seaman, OH 45679September 01, 1959Full Service Brick and Mortar
    2220144Manchester Branch210 Pike Street, Manchester, OH 45144May 01, 1969Full Service Brick and Mortar
    3220145West Union Branch409 West Main Street, West Union, OH 45693July 24, 1989Full Service Brick and Mortar
    4220146Peebles Branch145 North Main Street, Peebles, OH 45660October 07, 1996Full Service Brick and Mortar
    5211876Georgetown Branch4928 Street, Route 125, Georgetown, OH 45121January 17, 1996Full Service Brick and Mortar
    66841Ripley Branch101 Main Street, Ripley, OH 45167December 01, 1902Full Service Brick and Mortar
    7453051Mt Orab Branch501 West Main Street, Mount Orab, OH 45154June 26, 2006Full Service Brick and Mortar

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