Standing Stone National Bank in Lancaster, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


Standing Stone National Bank - Overview

  • General
  • FDIC Certificate #: 27506
    Status: Active
    Federal Reserve ID: 1390324
    Bank Holding Company (Regulatory Top Holder): Ssnb, Inc. (RSSDID: 3338692, Location: Lancaster, OH)
    Date Established: May 12, 1989
    WWW: http://www.standingstonenationalbank.com
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 40239
    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: May 12, 1989
    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: 137 West Wheeling Street, Lancaster, OH 43130
    County: Fairfield
    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): Columbus, OH (#1840)
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Columbus, OH (#18140)
    CBSA Metro Statistical Area: Columbus, OH (#18140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $80.2 mil
    Equity capital: $6.7 mil
    Deposits held in domestic offices: $59.1 mil
    Return on assets (ROA): 0.46% ($0.4 mil)
    Quarterly return on assets: 0.51% ($0.4 mil)
    Return on Equity (ROE): 5.48% ($0.4 mil)
    Quarterly return on equity: 6.21% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.63% ($505.5 mil)
    Quarterly Pretax return on assets: 0.71% ($569.7 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
  • 31Total employees (full-time equivalent)
  • $80,241Total assets
  • $6,490Cash and due from depository institutions
  • $3,817Interest-bearing balances
  • $23,826Securities
  • $591Federal funds sold & reverse repurchase agreements
  • $44,679Net loans & leases
  • $518Loan loss allowance
  • $0Trading account assets
  • $1,925Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $80,241Life insurance assets
  • $2,730All other assets
  • $73,510Total liabilities and capital
  • $59,133Total liabilities
  • $48,429Total deposits
  • $59,133Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 11904.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,250Trading liabilities
  • $0Other borrowed funds
  • $223Subordinated debt
  • $6,731All other liabilities
  • $6,731Total equity capital
  • $6,731Total bank equity capital
  • $0Perpetual preferred stock
  • $1,411Common stock
  • $1,482Surplus
  • $3,838Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $115Income earned, not collected on loans
  • $0Earning assets
  • $243Long-term assets (5+ years)
  • $72,913Average Assets, year-to-date
  • $34,245Average Assets, quarterly
  • $78,156Volatile liabilities
  • $81,434Insider loans
  • $49,401FHLB advances
  • $80,587Loans and leases held for sale
  • $1,639Unused loan commitments
  • $1,639Tier 1 (core) risk-based capital
  • $6,496Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,541Restructured Loans and leases
  • $910Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,117Total interest income
  • $445Total interest expense
  • $2,672Net interest income
  • $85Provision for loan and lease losses
  • $602Total noninterest income
  • $0Fiduciary activities
  • $359Service charges on deposit accounts
  • $0Trading account gains & fees
  • $243Additional noninterest income
  • $2,732Total noninterest expense
  • $1,299Salaries and employee benefits
  • $308Premises and equipment expense
  • $1,125Additional noninterest expense
  • $457Pre-tax net operating income
  • $38Securities gains (losses)
  • $137Applicable income taxes
  • $358Income before extraordinary items
  • $0Extraordinary gains - net
  • $358Net income attributable to bank
  • $0Net charge-offs
  • $358Cash dividends
  • $6Sale, conversion, retirement of capital stock, net
  • $15Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 5.48%Return on equity (ROE)
  • 5.25%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 1416.67%Credit loss provision to net charge-offs
  • 90.33%Efficiency ratio
  • 83,445Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.19%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 450.43%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 75.56%Net loans and leases to core deposits
  • 84.09%Equity capital to assets
  • 8.39%Core capital (leverage) ratio
  • 8.06%Tier 1 risk-based capital ratio
  • 13.15%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $78,156Average earning assets
  • $6,534Average equity
  • $71,167Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040239Standing Stone National Bank137 West Wheeling Street, Lancaster, OH 43130May 12, 1989Full Service Brick and Mortar
    2452556North Office Branch2330 Columbus Lancaster Road, Lancaster, OH 43130April 03, 2006Full Service Brick and Mortar
    3521891Www.Standingstonenationalbank.com Br137 W Wheeling St, Lancaster, OH 43130November 22, 2004Full Service Cyber

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