The Apple Creek Banking Company in Apple Creek, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Apple Creek Banking Company - Overview

  • General
  • FDIC Certificate #: 737
    Status: Active
    Federal Reserve ID: 213912
    Bank Holding Company (Regulatory Top Holder): Apple Creek Banc Corp (RSSDID: 1248993, Location: Apple Creek, OH)
    Date Established: Febuary 01, 1904
    WWW: http://www.applecreekbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12343
    FDIC's unique #: 467
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 30, 2008
    Last Structure Change Process Date: July 22, 2008
    Last Data Update: July 22, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3 West Main Street, Apple Creek, OH 44606
    County: Wayne
    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
    Core Based Statistical Area (CBSA): Wooster, OH (#49300)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $105.5 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $86.2 mil
    Return on assets (ROA): 0.58% ($0.6 mil)
    Quarterly return on assets: 0.60% ($0.6 mil)
    Return on Equity (ROE): 7.43% ($0.6 mil)
    Quarterly return on equity: 7.63% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.78% ($823.3 mil)
    Quarterly Pretax return on assets: 0.81% ($854.9 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
  • 40Total employees (full-time equivalent)
  • $105,547Total assets
  • $6,723Cash and due from depository institutions
  • $3,168Interest-bearing balances
  • $20,998Securities
  • $7,134Federal funds sold & reverse repurchase agreements
  • $65,958Net loans & leases
  • $638Loan loss allowance
  • $0Trading account assets
  • $2,191Bank premises and fixed assets
  • $0Other real estate owned
  • $173Goodwill and other intangibles
  • $105,547Life insurance assets
  • $2,370All other assets
  • $97,510Total liabilities and capital
  • $86,213Total liabilities
  • $63,936Total deposits
  • $86,213Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,500Trading liabilities
  • $0Other borrowed funds
  • $797Subordinated debt
  • $8,037All other liabilities
  • $8,037Total equity capital
  • $8,037Total bank equity capital
  • $0Perpetual preferred stock
  • $380Common stock
  • $599Surplus
  • $7,058Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $602Income earned, not collected on loans
  • $62Earning assets
  • $824Long-term assets (5+ years)
  • $97,258Average Assets, year-to-date
  • $62,162Average Assets, quarterly
  • $100,096Volatile liabilities
  • $102,999Insider loans
  • $61,220FHLB advances
  • $101,809Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,589Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,497Restructured Loans and leases
  • $2,596Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,583Total interest income
  • $695Total interest expense
  • $3,888Net interest income
  • $21Provision for loan and lease losses
  • $348Total noninterest income
  • $0Fiduciary activities
  • $280Service charges on deposit accounts
  • $0Trading account gains & fees
  • $68Additional noninterest income
  • $3,435Total noninterest expense
  • $1,777Salaries and employee benefits
  • $388Premises and equipment expense
  • $1,270Additional noninterest expense
  • $780Pre-tax net operating income
  • $0Securities gains (losses)
  • $200Applicable income taxes
  • $580Income before extraordinary items
  • $0Extraordinary gains - net
  • $580Net income attributable to bank
  • $0Net charge-offs
  • $580Cash dividends
  • $134Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 7.43%Return on equity (ROE)
  • 2.31%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 15.67%Credit loss provision to net charge-offs
  • 5.98%Efficiency ratio
  • 81,091Assets per employee
  • 2.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.97%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 105.98%Noncurrent assets plus other real estate owned to assets
  • 0.57%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 76.51%Net loans and leases to core deposits
  • 77.19%Equity capital to assets
  • 7.61%Core capital (leverage) ratio
  • 7.45%Tier 1 risk-based capital ratio
  • 12.40%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $100,096Average earning assets
  • $7,806Average equity
  • $92,086Average loans

List of branches

  • 6 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0467The Apple Creek Banking Company3 West Main Street, Apple Creek, OH 44606Febuary 01, 1904Full Service Brick and Mortar
    1184968Madisonburg Branch4500 Cleveland Road, Wooster, OH 44691October 01, 1979Full Service Brick and Mortar
    2184969Wooster Branch155 South Market Street, Wooster, OH 44691October 05, 1981Full Service Brick and Mortar
    3184970Canal Fulton Branch2414 Locust Street South, Canal Fulton, OH 44614January 02, 1996Full Service Brick and Mortar
    4184971Manchester Branch5091 Manchester Rd, Akron, OH 44319January 04, 1999Full Service Brick and Mortar
    5364400Beach City Branch105 2nd Ave Ne, Beach City, OH 44608May 01, 2002Full Service Brick and Mortar

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