Miami Valley Bank in Lakeview, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 04, 2007

  • Miami Valley Bank in Lakeview, Ohio (OH)
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Miami Valley Bank - Overview

  • General
  • FDIC Certificate #: 16848
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: The Citizens Banking Company (#12982)
    Federal Reserve ID: 137120
    Date Established: January 01, 1903
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 10947
    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: November 07, 1949
    Last Structure Change Effective Date: October 04, 2007
    Last Structure Change Process Date: October 09, 2007
    Last Data Update: October 09, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 8973 Township Road 239, Lakeview, OH 43331
    County: Logan
    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
    Core Based Statistical Area (CBSA): Bellefontaine, OH (#13340)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $125.4 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, 2006)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $170,242Total assets
  • $2,811Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,252Securities
  • $20,500Federal funds sold & reverse repurchase agreements
  • $142,015Net loans & leases
  • $869Loan loss allowance
  • $0Trading account assets
  • $551Bank premises and fixed assets
  • $139Other real estate owned
  • $116Goodwill and other intangibles
  • $0Life insurance assets
  • $1,858All other assets
  • $170,242Total liabilities and capital
  • $157,087Total liabilities
  • $156,741Total deposits
  • $133,007Interest-bearing deposits
  • $156,741Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $346All other liabilities
  • $13,155Total equity capital
  • $13,155Total bank equity capital
  • $13,155Perpetual preferred stock
  • $0Common stock
  • $84Surplus
  • $871Undivided profits
  • Memoranda
  • $12,200Noncurrent loans and leases
  • $50,056Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,430Earning assets
  • $0Long-term assets (5+ years)
  • $1,213Average Assets, year-to-date
  • $164,767Average Assets, quarterly
  • $1,957Volatile liabilities
  • $161,229Insider loans
  • $168,785FHLB advances
  • $8,888Loans and leases held for sale
  • $128Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $120,156Total risk weighted assets
  • $50,056Total unused commitments
  • $0Restructured Loans and leases
  • $869Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $14,548Total interest income
  • $6,795Total interest expense
  • $7,753Net interest income
  • $408Provision for loan and lease losses
  • $742Total noninterest income
  • $0Fiduciary activities
  • $122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $620Additional noninterest income
  • $2,711Total noninterest expense
  • $1,280Salaries and employee benefits
  • $402Premises and equipment expense
  • $1,029Additional noninterest expense
  • $5,376Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $5,376Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,376Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $104Sale, conversion, retirement of capital stock, net
  • $5,376Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.44%Yield on earning assets
  • 4.41%Cost of funding earning assets
  • 5.03%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 1.76%Noninterest expense to earning assets
  • 3.33%Net operating income to assets
  • 3.33%Return on assets (ROA)
  • 3.33%Pretax return on assets
  • 38.30%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 392.31%Credit loss provision to net charge-offs
  • 55.62%Efficiency ratio
  • 31,913Assets per employee
  • 5.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 0.61%Loss allowance to noncurrent loans
  • 16.00%Noncurrent assets plus other real estate owned to assets
  • 3.27%Noncurrent loans to loans
  • 3.80%Net loans and leases to deposits
  • 90.60%Net loans and leases to core deposits
  • 96.05%Equity capital to assets
  • 7.73%Core capital (leverage) ratio
  • 7.85%Tier 1 risk-based capital ratio
  • 14.66%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $161,229Average earning assets
  • $14,037Average equity
  • $154,071Average loans

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