Signature Bank, National Association in Toledo, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Signature Bank, National Association - Overview

  • General
  • FDIC Certificate #: 57269
    Status: Active
    Federal Reserve ID: 3076604
    Bank Holding Company (Regulatory Top Holder): Signature Bancorp, Inc. (RSSDID: 3076592, Location: Toledo, OH)
    Date Established: April 02, 2002
    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: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 360418
    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: April 02, 2002
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4607 West Sylvania Avenue, Toledo, OH 43623
    County: Lucas
    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
    Metropolitan Statistical Area (MSA): Toledo, OH (#8400)
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $554.5 mil
    Equity capital: $49.4 mil
    Deposits held in domestic offices: $481.7 mil
    Return on assets (ROA): 0.97% ($5.4 mil)
    Quarterly return on assets: 1.05% ($5.8 mil)
    Return on Equity (ROE): 10.91% ($5.3 mil)
    Quarterly return on equity: 11.86% ($5.8 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.44% ($7,985.4 mil)
    Quarterly Pretax return on assets: 1.57% ($8,706.3 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
  • 77Total employees (full-time equivalent)
  • $554,541Total assets
  • $77,229Cash and due from depository institutions
  • $69,047Interest-bearing balances
  • $32,225Securities
  • $901Federal funds sold & reverse repurchase agreements
  • $432,663Net loans & leases
  • $5,446Loan loss allowance
  • $0Trading account assets
  • $3,943Bank premises and fixed assets
  • $750Other real estate owned
  • $0Goodwill and other intangibles
  • $554,541Life insurance assets
  • $6,830All other assets
  • $505,165Total liabilities and capital
  • $481,736Total liabilities
  • $359,394Total deposits
  • $481,736Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,000Trading liabilities
  • $0Other borrowed funds
  • $2,429Subordinated debt
  • $49,376All other liabilities
  • $49,376Total equity capital
  • $49,376Total bank equity capital
  • $0Perpetual preferred stock
  • $4,625Common stock
  • $24,625Surplus
  • $20,126Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,753Income earned, not collected on loans
  • $0Earning assets
  • $995Long-term assets (5+ years)
  • $534,836Average Assets, year-to-date
  • $113,371Average Assets, quarterly
  • $529,262Volatile liabilities
  • $548,198Insider loans
  • $446,428FHLB advances
  • $549,277Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $49,250Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $153,023Restructured Loans and leases
  • $34,244Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,158Total interest income
  • $4,684Total interest expense
  • $18,474Net interest income
  • $1,100Provision for loan and lease losses
  • $889Total noninterest income
  • $0Fiduciary activities
  • $456Service charges on deposit accounts
  • $0Trading account gains & fees
  • $433Additional noninterest income
  • $10,662Total noninterest expense
  • $6,496Salaries and employee benefits
  • $1,042Premises and equipment expense
  • $3,124Additional noninterest expense
  • $7,601Pre-tax net operating income
  • $2Securities gains (losses)
  • $2,474Applicable income taxes
  • $5,129Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,129Net income attributable to bank
  • $0Net charge-offs
  • $5,129Cash dividends
  • $1,097Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.54%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.09%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 10.91%Return on equity (ROE)
  • 9.64%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 100.27%Credit loss provision to net charge-offs
  • 7.93%Efficiency ratio
  • 55,064Assets per employee
  • 7.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.70%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 114.58%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 1.08%Net loans and leases to deposits
  • 89.81%Net loans and leases to core deposits
  • 103.97%Equity capital to assets
  • 8.90%Core capital (leverage) ratio
  • 8.97%Tier 1 risk-based capital ratio
  • 11.03%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $529,262Average earning assets
  • $47,003Average equity
  • $509,940Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0360418Signature Bank, National Association4607 West Sylvania Avenue, Toledo, OH 43623April 02, 2002Full Service Brick and Mortar
    2431969Messenger Service Branch4607 West Sylvania Avenue, Toledo, OH 43623April 02, 2002Limited Service Messenger

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