MainSource Bank - Ohio in Troy, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 05, 2009

  • MainSource Bank - Ohio in Troy, Ohio (OH)
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MainSource Bank - Ohio - Overview

  • General
  • FDIC Certificate #: 28148
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: MainSource Bank (#5766)
    Federal Reserve ID: 814177
    Date Established: January 01, 1890
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 993
    FDIC's unique #: 40982
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: May 18, 1953
    Last Structure Change Effective Date: December 05, 2009
    Last Structure Change Process Date: December 09, 2009
    Last Data Update: December 09, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 635 South Market Street, Troy, OH 45373
    County: Miami
    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): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • Financial Summary
  • Total assets: $209.5 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, 2008)

  • Dollar figures in thousands
  • 45Total employees (full-time equivalent)
  • $210,886Total assets
  • $3,159Cash and due from depository institutions
  • $193Interest-bearing balances
  • $1,299Securities
  • $7,187Federal funds sold & reverse repurchase agreements
  • $161,812Net loans & leases
  • $1,720Loan loss allowance
  • $0Trading account assets
  • $3,243Bank premises and fixed assets
  • $0Other real estate owned
  • $20,920Goodwill and other intangibles
  • $5,168Life insurance assets
  • $13,266All other assets
  • $210,886Total liabilities and capital
  • $173,218Total liabilities
  • $119,073Total deposits
  • $105,178Interest-bearing deposits
  • $119,073Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $10,324Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $42,149Other borrowed funds
  • $0Subordinated debt
  • $1,672All other liabilities
  • $37,668Total equity capital
  • $37,668Total bank equity capital
  • $37,668Perpetual preferred stock
  • $0Common stock
  • $7,440Surplus
  • $35,865Undivided profits
  • Memoranda
  • $-5,637Noncurrent loans and leases
  • $41,253Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,092Earning assets
  • $0Long-term assets (5+ years)
  • $558Average Assets, year-to-date
  • $170,491Average Assets, quarterly
  • $101,359Volatile liabilities
  • $206,344Insider loans
  • $206,055FHLB advances
  • $52,382Loans and leases held for sale
  • $2,886Unused loan commitments
  • $42,149Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $41,253Total unused commitments
  • $0Restructured Loans and leases
  • $1,556Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $11,202Total interest income
  • $4,258Total interest expense
  • $6,944Net interest income
  • $589Provision for loan and lease losses
  • $1,684Total noninterest income
  • $0Fiduciary activities
  • $1,021Service charges on deposit accounts
  • $0Trading account gains & fees
  • $663Additional noninterest income
  • $4,349Total noninterest expense
  • $1,954Salaries and employee benefits
  • $529Premises and equipment expense
  • $1,866Additional noninterest expense
  • $3,690Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,397Applicable income taxes
  • $2,293Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,293Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $355Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.76%Yield on earning assets
  • 2.57%Cost of funding earning assets
  • 4.19%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 2.63%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 6.13%Return on equity (ROE)
  • 0.78%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 165.92%Credit loss provision to net charge-offs
  • 12.05%Efficiency ratio
  • 46,071Assets per employee
  • 4.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.22%Loss allowance to loans
  • 1.05%Loss allowance to noncurrent loans
  • 157.51%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 135.89%Net loans and leases to core deposits
  • 168.53%Equity capital to assets
  • 17.86%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 13.43%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $206,344Average earning assets
  • $37,393Average equity
  • $165,647Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $70,593Managed Assets
  • 1Number of Accounts
  • $58,225Personal trust and agency accounts
  • $17,024Employee benefit-defined contribution accounts
  • $1,636Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $793Corporate trust and agency accounts
  • $10,376Investment management agency accounts
  • $28,396Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 173Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $12,368Other retirement accounts
  • $252Corporate trust and agency accounts
  • $723Other fiduciary accounts
  • $8,824Fiduciary accounts held in foreign offices

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