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

This bank is inactive as of December 01, 2008

  • National Bank of Montpelier in Montpelier, Ohio (OH)
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National Bank of Montpelier - Overview

  • General
  • FDIC Certificate #: 13390
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The State Bank and Trust Company (#13339)
    Federal Reserve ID: 481225
    Date Established: December 29, 1933
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 8435
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 01, 2008
    Last Structure Change Process Date: January 05, 2009
    Last Data Update: January 05, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 302 West Main Street, Montpelier, OH 43543
    County: Williams
    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: $106.3 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, 2007)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $108,178Total assets
  • $2,519Cash and due from depository institutions
  • $0Interest-bearing balances
  • $52,089Securities
  • $5,200Federal funds sold & reverse repurchase agreements
  • $45,893Net loans & leases
  • $464Loan loss allowance
  • $0Trading account assets
  • $1,517Bank premises and fixed assets
  • $180Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $780All other assets
  • $108,178Total liabilities and capital
  • $90,015Total liabilities
  • $89,485Total deposits
  • $79,980Interest-bearing deposits
  • $89,485Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $75Other borrowed funds
  • $0Subordinated debt
  • $455All other liabilities
  • $18,163Total equity capital
  • $18,163Total bank equity capital
  • $18,163Perpetual preferred stock
  • $0Common stock
  • $530Surplus
  • $2,659Undivided profits
  • Memoranda
  • $14,974Noncurrent loans and leases
  • $1,543Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $228Earning assets
  • $0Long-term assets (5+ years)
  • $623Average Assets, year-to-date
  • $103,182Average Assets, quarterly
  • $25,990Volatile liabilities
  • $105,103Insider loans
  • $106,413FHLB advances
  • $6,052Loans and leases held for sale
  • $599Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,543Total unused commitments
  • $0Restructured Loans and leases
  • $464Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $5,752Total interest income
  • $2,247Total interest expense
  • $3,505Net interest income
  • $59Provision for loan and lease losses
  • $318Total noninterest income
  • $0Fiduciary activities
  • $228Service charges on deposit accounts
  • $0Trading account gains & fees
  • $90Additional noninterest income
  • $2,641Total noninterest expense
  • $1,374Salaries and employee benefits
  • $246Premises and equipment expense
  • $1,021Additional noninterest expense
  • $1,123Pre-tax net operating income
  • $0Securities gains (losses)
  • $214Applicable income taxes
  • $909Income before extraordinary items
  • $0Extraordinary gains - net
  • $909Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $87Sale, conversion, retirement of capital stock, net
  • $666Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.76%Yield on earning assets
  • 2.25%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 5.13%Return on equity (ROE)
  • 1.37%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 67.82%Credit loss provision to net charge-offs
  • 13.59%Efficiency ratio
  • 69,082Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.27%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 203.51%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 51.29%Net loans and leases to core deposits
  • 54.96%Equity capital to assets
  • 16.79%Core capital (leverage) ratio
  • 16.89%Tier 1 risk-based capital ratio
  • 41.57%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $105,103Average earning assets
  • $17,735Average equity
  • $99,806Average loans

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