Second National Bank in Greenville, Ohio (OH)

Show street view No street view available for this location
Table of contents:
Second National Bank
GeneralFDIC Certificate #: 6596
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Park National Bank (#6653)
Federal Reserve ID: 236519
Date Established: July 03, 1883
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 9 (Interstate: No)
FDIC's unique #: 4418
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: August 16, 2008
Last Structure Change Process Date: September 29, 2008
Last Data Update: September 29, 2008
Data Source Date: April 05, 2012
LocationAddress: Fourth Street And Broadway, Greenville, OH 45331
County: Darke
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): Dayton-Springfield-Greenville, OH (#212)
Core Based Statistical Area (CBSA): Greenville, OH (#24820)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $451.6 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)
Total employees (full-time equivalent)116
Total assets$434,862
Cash and due from depository institutions$14,313
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$34,413
Net loans & leases$245,503
Loan loss allowance $4,355
Trading account assets$0
Bank premises and fixed assets$1,891
Other real estate owned$100
Goodwill and other intangibles$245
All other assets$14,513
Life insurance assets$6,629
Total liabilities and capital$434,862
Total liabilities$412,360
Total deposits$246,781
Interest-bearing deposits$202,578
Deposits held in domestic offices$246,781
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $97,692
Trading liabilities$0
Other borrowed funds $62,490
Subordinated debt $2,500
All other liabilities $2,897
Total equity capital$22,502
Total bank equity capital$22,502
Perpetual preferred stock$22,502
Common stock$0
Undivided profits $3,173
Noncurrent loans and leases $18,877
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $37,759
Income earned, not collected on loans $0
Earning assets $1,621
Long-term assets (5+ years) $0
Average Assets, year-to-date $2,397
Average Assets, quarterly $403,800
Volatile liabilities $143,505
Insider loans $411,552
FHLB advances $436,604
Loans and leases held for sale $123,749
Unused loan commitments $2,623
Tier 1 (core) risk-based capital $62,490
Tier 2 risk-based capital $0
Total risk weighted assets $102
Total unused commitments $37,759
Restructured Loans and leases $0
Back to page top, Back to table top

Income and Expense (December 31, 2007)
(Dollar figures in thousands)
Total interest income $24,769
Total interest expense $12,138
Net interest income $12,631
Provision for loan and lease losses $450
Total noninterest income $2,736
Fiduciary activities $193
Service charges on deposit accounts $1,148
Trading account gains & fees $0
Additional noninterest income $1,395
Total noninterest expense $7,989
Salaries and employee benefits $5,138
Premises and equipment expense $604
Additional noninterest expense $2,247
Pre-tax net operating income $6,928
Securities gains (losses) $0
Applicable income taxes $2,081
Income before extraordinary items $4,847
Extraordinary gains - net $0
Net income attributable to bank $4,847
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $293
Net operating income $3,000
Back to page top, Back to table top

Performance and Condition Ratios (December 31, 2007)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.50%
Cost of funding earning assets 3.18%
Net interest margin 3.31%
Noninterest income to earning assets 0.72%
Noninterest expense to earning assets 2.10%
Net operating income to assets 1.18%
Return on assets (ROA) 1.18%
Pretax return on assets 1.68%
Return on equity (ROE) 23.70%
Retained earnings to average equity (YTD only) 9.03%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 153.58%
Efficiency ratio25.18%
Assets per employee$51,988
Cash dividends to net income (YTD only)3.75%
Condition Ratios (%)
Loss allowance to loans 61.89%
Loss allowance to noncurrent loans 1.74%
Noncurrent assets plus other real estate owned to assets 268.66%
Noncurrent loans to loans 0.40%
Net loans and leases to deposits0.65%
Net loans and leases to core deposits 99.48%
Equity capital to assets 111.23%
Core capital (leverage) ratio 5.17%
Tier 1 risk-based capital ratio 5.27%
Total risk-based capital ratio 8.49%
Average assets$11
Average earning assets$411,552
Average equity $20,451
Average loans $381,317
Back to page top, Back to table top

Total Fiduciary and Related Assets (December 31, 2007)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$17,516
Number of Accounts1
Personal trust and agency accounts$16,574
Employee benefit-defined contribution accounts$1,419
Employee benefit-defined benefit accounts$966
Other retirement accounts$0
Corporate trust and agency accounts$3,770
Investment management agency accounts$0
Other fiduciary accounts$10,419
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts155
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$942
Corporate trust and agency accounts$164
Other fiduciary accounts$49
Fiduciary accounts held in foreign offices$729
Back to page top, Back to table top

User Contributions:

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Second National Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.