FDIC Certificate #: 30288 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Ohio Valley Bank Company (#384) Federal Reserve ID: 404970 Date Established: January 01, 1899 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 5113 FDIC's unique #: 43122 Numeric code: 41 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes FDIC Insured: Yes Insured Savings Institution: Yes State Chartered: Yes Date of Deposit Insurance: October 03, 1994 Last Structure Change Effective Date: November 10, 2000 Last Structure Change Process Date: November 30, 2000 Last Data Update: November 30, 2000 Data Source Date: April 05, 2012
Location
Address: 221 Main Street, Jackson, OH 45640 County: Jackson 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
Financial Summary
Total assets: $16.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1999)
Dollar figures in thousands
4Total employees (full-time equivalent)
$17,846Total assets
$613Cash and due from depository institutions
$535Interest-bearing balances
$505Securities
$3,916Federal funds sold & reverse repurchase agreements
$12,434Net loans & leases
$125Loan loss allowance
$0Trading account assets
$1Bank premises and fixed assets
$30Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$347All other assets
$17,846Total liabilities and capital
$15,295Total liabilities
$15,244Total deposits
$15,244Interest-bearing deposits
$15,244Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$51All other liabilities
$2,551Total equity capital
$2,551Total bank equity capital
$2,551Perpetual preferred stock
$0Common stock
$194Surplus
$227Undivided profits
Memoranda
$2,130Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$269Earning assets
$0Long-term assets (5+ years)
$11Average Assets, year-to-date
$17,390Average Assets, quarterly
$11,808Volatile liabilities
$17,889Insider loans
$18,197FHLB advances
$3,319Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$116Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$1,314Total interest income
$765Total interest expense
$549Net interest income
$7Provision for loan and lease losses
$7Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$7Additional noninterest income
$348Total noninterest expense
$200Salaries and employee benefits
$13Premises and equipment expense
$135Additional noninterest expense
$201Pre-tax net operating income
$316Securities gains (losses)
$176Applicable income taxes
$341Income before extraordinary items
$0Extraordinary gains - net
$341Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$6Sale, conversion, retirement of capital stock, net
$425Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.45%Yield on earning assets
4.34%Cost of funding earning assets
3.11%Net interest margin
0.04%Noninterest income to earning assets
1.97%Noninterest expense to earning assets
0.74%Net operating income to assets
1.91%Return on assets (ROA)
2.89%Pretax return on assets
12.01%Return on equity (ROE)
-2.96%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
116.67%Credit loss provision to net charge-offs
34.67%Efficiency ratio
62,590Assets per employee
4.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
124.63%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
46.47%Noncurrent assets plus other real estate owned to assets
1.68%Noncurrent loans to loans
2.14%Net loans and leases to deposits
81.57%Net loans and leases to core deposits
104.27%Equity capital to assets
14.29%Core capital (leverage) ratio
14.06%Tier 1 risk-based capital ratio
27.71%Total risk-based capital ratio
Memoranda
$29Average assets
$17,889Average earning assets
$2,840Average equity
$17,633Average loans
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