FDIC Certificate #: 29505 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The First National Bank of Zanesville (#6739) Federal Reserve ID: 185970 Date Established: January 01, 1887 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 3569 FDIC's unique #: 42339 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Savings Association Insurance Fund (SAIF) FDIC Insured: Yes SAIF Insured: Yes Insured Savings Institution: Yes State Chartered: No Date of Deposit Insurance: December 23, 1935 Last Structure Change Effective Date: June 20, 2000 Last Structure Change Process Date: July 17, 2000 Last Data Update: July 17, 2000 Data Source Date: April 05, 2012
Location
Address: 25 Lowry Drive, West Milton, OH 45383 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: $258.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
51Total employees (full-time equivalent)
$259,743Total assets
$3,423Cash and due from depository institutions
$487Interest-bearing balances
$47,929Securities
$0Federal funds sold & reverse repurchase agreements
$199,091Net loans & leases
$757Loan loss allowance
$0Trading account assets
$2,576Bank premises and fixed assets
$150Other real estate owned
$189Goodwill and other intangibles
$0Life insurance assets
$6,385All other assets
$259,743Total liabilities and capital
$236,483Total liabilities
$167,857Total deposits
$156,680Interest-bearing deposits
$167,857Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$67,390Other borrowed funds
$0Subordinated debt
$1,236All other liabilities
$23,260Total equity capital
$23,260Total bank equity capital
$23,260Perpetual preferred stock
$0Common stock
$0Surplus
$13,733Undivided profits
Memoranda
$9,527Noncurrent loans and leases
$12,332Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$445Earning assets
$0Long-term assets (5+ years)
$966Average Assets, year-to-date
$247,507Average Assets, quarterly
$0Volatile liabilities
$252,261Insider loans
$258,085FHLB advances
$84,683Loans and leases held for sale
$668Unused loan commitments
$66,359Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,332Total unused commitments
$0Restructured Loans and leases
$757Derivatives
Income and Expense (December 31, 1999)
Dollar figures in thousands
$17,434Total interest income
$11,273Total interest expense
$6,161Net interest income
$115Provision for loan and lease losses
$700Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$700Additional noninterest income
$4,283Total noninterest expense
$2,540Salaries and employee benefits
$722Premises and equipment expense
$1,021Additional noninterest expense
$2,463Pre-tax net operating income
$69Securities gains (losses)
$856Applicable income taxes
$1,676Income before extraordinary items
$0Extraordinary gains - net
$1,676Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$31Sale, conversion, retirement of capital stock, net
$1,000Net operating income
Performance and Condition Ratios (December 31, 1999)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.22%Yield on earning assets
4.67%Cost of funding earning assets
2.55%Net interest margin
0.29%Noninterest income to earning assets
1.77%Noninterest expense to earning assets
0.65%Net operating income to assets
0.66%Return on assets (ROA)
1.00%Pretax return on assets
7.33%Return on equity (ROE)
2.96%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
370.97%Credit loss provision to net charge-offs
83.16%Efficiency ratio
62,425Assets per employee
5.09%Cash dividends to net income (YTD only)
Condition Ratios (%)
59.67%Loss allowance to loans
0.38%Loss allowance to noncurrent loans
170.11%Noncurrent assets plus other real estate owned to assets
0.23%Noncurrent loans to loans
0.22%Net loans and leases to deposits
118.61%Net loans and leases to core deposits
132.23%Equity capital to assets
8.96%Core capital (leverage) ratio
9.00%Tier 1 risk-based capital ratio
17.26%Total risk-based capital ratio
Memoranda
$18Average assets
$252,261Average earning assets
$22,850Average equity
$241,478Average loans
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