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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