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

National Bank of Ohio - Overview

  • General
  • FDIC Certificate #: 14528
    Status: Active
    Federal Reserve ID: 378026
    Bank Holding Company (Regulatory Top Holder): Indebancorp (RSSDID: 1427024, Location: Oak Harbor, OH)
    Date Established: July 02, 1934
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 90780
    FDIC's unique #: 9078
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 02, 1934
    Last Structure Change Effective Date: April 19, 2011
    Last Structure Change Process Date: June 23, 2011
    Last Data Update: June 23, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 147 West Water Street, Oak Harbor, OH 43449
    County: Ottawa
    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
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • History of Changes
  • Change in Location
    Name Change
  • Financial Summary
  • Total assets: $212.6 mil
    Equity capital: $20.2 mil
    Deposits held in domestic offices: $176.2 mil
    Return on assets (ROA): 0.75% ($1.6 mil)
    Quarterly return on assets: 1.43% ($3.0 mil)
    Return on Equity (ROE): 8.45% ($1.7 mil)
    Quarterly return on equity: 15.30% ($3.1 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.09% ($2,317.7 mil)
    Quarterly Pretax return on assets: 1.90% ($4,040.0 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, 2011)

  • Dollar figures in thousands
  • 58Total employees (full-time equivalent)
  • $212,631Total assets
  • $15,764Cash and due from depository institutions
  • $11,562Interest-bearing balances
  • $27,352Securities
  • $246Federal funds sold & reverse repurchase agreements
  • $158,922Net loans & leases
  • $1,860Loan loss allowance
  • $0Trading account assets
  • $2,858Bank premises and fixed assets
  • $282Other real estate owned
  • $628Goodwill and other intangibles
  • $212,631Life insurance assets
  • $6,579All other assets
  • $192,459Total liabilities and capital
  • $176,174Total liabilities
  • $142,812Total deposits
  • $176,174Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 2116.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,832Trading liabilities
  • $0Other borrowed funds
  • $1,337Subordinated debt
  • $20,172All other liabilities
  • $20,172Total equity capital
  • $20,172Total bank equity capital
  • $2,000Perpetual preferred stock
  • $1,350Common stock
  • $1,716Surplus
  • $15,106Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,267Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,042Income earned, not collected on loans
  • $0Earning assets
  • $656Long-term assets (5+ years)
  • $198,082Average Assets, year-to-date
  • $86,040Average Assets, quarterly
  • $206,709Volatile liabilities
  • $213,995Insider loans
  • $143,915FHLB advances
  • $213,800Loans and leases held for sale
  • $4,056Unused loan commitments
  • $4,056Tier 1 (core) risk-based capital
  • $19,923Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,767Restructured Loans and leases
  • $1,972Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,941Total interest income
  • $2,387Total interest expense
  • $7,554Net interest income
  • $450Provision for loan and lease losses
  • $1,597Total noninterest income
  • $0Fiduciary activities
  • $343Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,254Additional noninterest income
  • $6,403Total noninterest expense
  • $3,444Salaries and employee benefits
  • $576Premises and equipment expense
  • $2,383Additional noninterest expense
  • $2,298Pre-tax net operating income
  • -$43Securities gains (losses)
  • $710Applicable income taxes
  • $1,545Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,545Net income attributable to bank
  • $0Net charge-offs
  • $1,545Cash dividends
  • $267Sale, conversion, retirement of capital stock, net
  • $474Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 8.45%Return on equity (ROE)
  • 5.86%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 168.54%Credit loss provision to net charge-offs
  • 10.29%Efficiency ratio
  • 69,970Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.68%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 91.09%Noncurrent assets plus other real estate owned to assets
  • 1.09%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 90.21%Net loans and leases to core deposits
  • 102.01%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 9.32%Tier 1 risk-based capital ratio
  • 13.84%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $206,709Average earning assets
  • $18,292Average equity
  • $191,950Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09078National Bank Of Ohio147 West Water Street, Oak Harbor, OH 43449July 02, 1934Full Service Brick and Mortar
    1231625Curtice Branch7182 North Lucas St., Curtice, OH 43412November 01, 1958Full Service Brick and Mortar
    2231626Port Clinton Branch2820 East Harbor Road, Port Clinton, OH 43452January 20, 1998Full Service Brick and Mortar
    3430055Oregon Branch4157 Navarre Avenue, Oregon, OH 43616November 24, 2003Full Service Brick and Mortar
    4511946Perrysburg Branch900 W.S. Boundary Street, Perrysburg, OH 43551August 02, 2010Full Service Brick and Mortar

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