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


Kingston National Bank - Overview

  • General
  • FDIC Certificate #: 6616
    Status: Active
    Federal Reserve ID: 966722
    Bank Holding Company (Regulatory Top Holder): Kingston Bancshares, Inc. (RSSDID: 2246400, Location: Kingston, OH)
    Date Established: January 01, 1909
    WWW: http://www.kingstonnationalbank.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: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 14059
    FDIC's unique #: 4432
    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 01, 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: 2 North Main Street, Kingston, OH 45644
    County: Ross
    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): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Chillicothe, OH (#17060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $195.8 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $166.6 mil
    Return on assets (ROA): 1.11% ($2.2 mil)
    Quarterly return on assets: 1.14% ($2.2 mil)
    Return on Equity (ROE): 10.06% ($2.2 mil)
    Quarterly return on equity: 10.20% ($2.2 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.46% ($2,858.2 mil)
    Quarterly Pretax return on assets: 1.43% ($2,799.5 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
  • 41Total employees (full-time equivalent)
  • $195,767Total assets
  • $5,679Cash and due from depository institutions
  • $319Interest-bearing balances
  • $45,836Securities
  • $2,376Federal funds sold & reverse repurchase agreements
  • $135,846Net loans & leases
  • $1,573Loan loss allowance
  • $0Trading account assets
  • $2,228Bank premises and fixed assets
  • $45Other real estate owned
  • $0Goodwill and other intangibles
  • $195,767Life insurance assets
  • $3,757All other assets
  • $173,898Total liabilities and capital
  • $166,607Total liabilities
  • $139,917Total deposits
  • $166,607Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,067Trading liabilities
  • $0Other borrowed funds
  • $1,224Subordinated debt
  • $21,869All other liabilities
  • $21,869Total equity capital
  • $21,869Total bank equity capital
  • $0Perpetual preferred stock
  • $540Common stock
  • $600Surplus
  • $20,729Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,488Income earned, not collected on loans
  • $0Earning assets
  • $1,162Long-term assets (5+ years)
  • $184,377Average Assets, year-to-date
  • $108,741Average Assets, quarterly
  • $190,156Volatile liabilities
  • $195,347Insider loans
  • $130,972FHLB advances
  • $198,671Loans and leases held for sale
  • $1,517Unused loan commitments
  • $1,517Tier 1 (core) risk-based capital
  • $20,782Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $21,970Restructured Loans and leases
  • $3,616Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,115Total interest income
  • $1,787Total interest expense
  • $7,328Net interest income
  • $340Provision for loan and lease losses
  • $604Total noninterest income
  • $0Fiduciary activities
  • $472Service charges on deposit accounts
  • $0Trading account gains & fees
  • $132Additional noninterest income
  • $4,811Total noninterest expense
  • $2,457Salaries and employee benefits
  • $312Premises and equipment expense
  • $2,042Additional noninterest expense
  • $2,781Pre-tax net operating income
  • $1Securities gains (losses)
  • $680Applicable income taxes
  • $2,102Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,102Net income attributable to bank
  • $0Net charge-offs
  • $2,102Cash dividends
  • $357Sale, conversion, retirement of capital stock, net
  • $842Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 10.06%Return on equity (ROE)
  • 6.03%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 95.24%Credit loss provision to net charge-offs
  • 8.74%Efficiency ratio
  • 60,653Assets per employee
  • 4.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.06%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 105.71%Noncurrent assets plus other real estate owned to assets
  • 0.78%Noncurrent loans to loans
  • 1.08%Net loans and leases to deposits
  • 81.54%Net loans and leases to core deposits
  • 89.69%Equity capital to assets
  • 11.17%Core capital (leverage) ratio
  • 10.46%Tier 1 risk-based capital ratio
  • 15.87%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $190,156Average earning assets
  • $20,899Average equity
  • $177,376Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04432Kingston National Bank2 North Main Street, Kingston, OH 45644January 01, 1909Full Service Brick and Mortar
    21373Adelphi Branch11811 Main Street, Laurelville, OH 43135July 18, 1907Full Service Brick and Mortar
    4211605Messenger Service Branch2 North Main Street, Kingston, OH 45644December 10, 1993Limited Service Messenger
    5211606Clearcreek Valley Branch132 West Main Street, Amanda, OH 43102January 02, 1995Full Service Brick and Mortar
    6441700South Bloomfield Branch5101 South Union Street, South Bloomfield, OH 43103March 08, 2005Full Service Brick and Mortar

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