Second National Bank in Greenville, Ohio (OH)



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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
Securities$123,884
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
Surplus$452
Undivided profits $3,173
Memoranda
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
Derivatives$5,893
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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
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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%
Memoranda
Average assets$11
Average earning assets$411,552
Average equity $20,451
Average loans $381,317
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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
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