Greenville National Bank in Greenville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Greenville National Bank - Overview

  • General
  • FDIC Certificate #: 13703
    Status: Active
    Federal Reserve ID: 295011
    Bank Holding Company (Regulatory Top Holder): Greenville National Bancorp (RSSDID: 1071566, Location: Greenville, OH)
    Date Established: January 17, 1934
    WWW: http://www.greenvillenationalbank.com
    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 #: 11142
    FDIC's unique #: 8566
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 17, 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: 446 South Broadway, Greenville, OH 45331
    County: Darke
    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): Greenville, OH (#24820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $360.4 mil
    Equity capital: $34.5 mil
    Deposits held in domestic offices: $298.6 mil
    Return on assets (ROA): 1.22% ($4.4 mil)
    Quarterly return on assets: 1.47% ($5.3 mil)
    Return on Equity (ROE): 13.21% ($4.6 mil)
    Quarterly return on equity: 15.36% ($5.4 mil)
    Net income: $4.3 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 1.67% ($6,019.5 mil)
    Quarterly Pretax return on assets: 2.05% ($7,389.2 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
  • 82Total employees (full-time equivalent)
  • $360,447Total assets
  • $12,788Cash and due from depository institutions
  • $250Interest-bearing balances
  • $90,869Securities
  • $3,150Federal funds sold & reverse repurchase agreements
  • $238,261Net loans & leases
  • $2,651Loan loss allowance
  • $0Trading account assets
  • $2,739Bank premises and fixed assets
  • $192Other real estate owned
  • $0Goodwill and other intangibles
  • $360,447Life insurance assets
  • $12,448All other assets
  • $325,916Total liabilities and capital
  • $298,650Total liabilities
  • $247,862Total deposits
  • $298,650Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 4367.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,929Trading liabilities
  • $0Other borrowed funds
  • $1,970Subordinated debt
  • $34,531All other liabilities
  • $34,531Total equity capital
  • $34,531Total bank equity capital
  • $0Perpetual preferred stock
  • $1,150Common stock
  • $2,150Surplus
  • $31,231Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $416Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,472Income earned, not collected on loans
  • $0Earning assets
  • $2,244Long-term assets (5+ years)
  • $332,530Average Assets, year-to-date
  • $158,309Average Assets, quarterly
  • $357,634Volatile liabilities
  • $361,809Insider loans
  • $220,812FHLB advances
  • $363,427Loans and leases held for sale
  • $6,407Unused loan commitments
  • $6,407Tier 1 (core) risk-based capital
  • $32,895Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,286Restructured Loans and leases
  • $2,798Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,002Total interest income
  • $4,009Total interest expense
  • $12,993Net interest income
  • $400Provision for loan and lease losses
  • $1,829Total noninterest income
  • $0Fiduciary activities
  • $772Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,057Additional noninterest income
  • $8,433Total noninterest expense
  • $4,717Salaries and employee benefits
  • $746Premises and equipment expense
  • $2,970Additional noninterest expense
  • $5,989Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,640Applicable income taxes
  • $4,349Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,349Net income attributable to bank
  • $0Net charge-offs
  • $4,349Cash dividends
  • $555Sale, conversion, retirement of capital stock, net
  • $1,250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.67%Pretax return on assets
  • 13.21%Return on equity (ROE)
  • 9.41%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 72.07%Credit loss provision to net charge-offs
  • 11.51%Efficiency ratio
  • 56,895Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.74%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 107.24%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 79.78%Net loans and leases to core deposits
  • 82.14%Equity capital to assets
  • 9.58%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 14.90%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $357,634Average earning assets
  • $32,932Average equity
  • $335,000Average loans

List of branches

  • 7 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08566Greenville National Bank446 South Broadway, Greenville, OH 45331January 17, 1934Full Service Brick and Mortar
    1229888Gettysburg Branch100 E Main Street, Gettysburg, OH 45328October 01, 1954Full Service Brick and Mortar
    2229889Sycamore Branch133 West Fourth Street, Greenville, OH 45331August 14, 1967Limited Service Facility
    3229890Northtown Branch480 Wagner Avenue, Greenville, OH 45331November 17, 1975Limited Service Facility
    45846Ansonia Branch100 South Main Street, Ansonia, OH 45303June 16, 1904Full Service Brick and Mortar
    7231536Arcanum Branch2860 Alternate State Route 49 North, Arcanum, OH 45304October 15, 1979Full Service Brick and Mortar
    8447286Bradford Branch11929 Us Route 36, Bradford, OH 45308October 04, 2005Full Service Brick and Mortar

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