The Citizens Bank of De Graff in De Graff, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Citizens Bank of De Graff - Overview

  • General
  • FDIC Certificate #: 2286
    Status: Active
    Federal Reserve ID: 870913
    Date Established: January 01, 1885
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 1512
    Numeric code: 21
    Regulator: FDIC
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 101 North Main Street, De Graff, OH 43318
    County: Logan
    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): Bellefontaine, OH (#13340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $27.7 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $23.8 mil
    Return on assets (ROA): 0.26% ($0.1 mil)
    Quarterly return on assets: -0.90% (-$0.3 mil)
    Return on Equity (ROE): 2.09% ($0.1 mil)
    Quarterly return on equity: -7.04% (-$0.3 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.24% ($66.5 mil)
    Quarterly Pretax return on assets: -1.14% (-$316.1 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
  • 9Total employees (full-time equivalent)
  • $27,729Total assets
  • $1,311Cash and due from depository institutions
  • $100Interest-bearing balances
  • $12,764Securities
  • $1,024Federal funds sold & reverse repurchase agreements
  • $9,923Net loans & leases
  • $100Loan loss allowance
  • $0Trading account assets
  • $515Bank premises and fixed assets
  • $197Other real estate owned
  • $0Goodwill and other intangibles
  • $27,729Life insurance assets
  • $1,995All other assets
  • $24,147Total liabilities and capital
  • $23,792Total liabilities
  • $20,749Total deposits
  • $23,792Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $355Subordinated debt
  • $3,582All other liabilities
  • $3,582Total equity capital
  • $3,582Total bank equity capital
  • $0Perpetual preferred stock
  • $135Common stock
  • $215Surplus
  • $3,232Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $305Income earned, not collected on loans
  • $0Earning assets
  • $117Long-term assets (5+ years)
  • $23,811Average Assets, year-to-date
  • $12,617Average Assets, quarterly
  • $28,530Volatile liabilities
  • $28,328Insider loans
  • $14,289FHLB advances
  • $28,602Loans and leases held for sale
  • $1,343Unused loan commitments
  • $1,343Tier 1 (core) risk-based capital
  • $3,551Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $916Restructured Loans and leases
  • $346Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,044Total interest income
  • $232Total interest expense
  • $812Net interest income
  • $85Provision for loan and lease losses
  • $145Total noninterest income
  • $0Fiduciary activities
  • $28Service charges on deposit accounts
  • $0Trading account gains & fees
  • $117Additional noninterest income
  • $945Total noninterest expense
  • $456Salaries and employee benefits
  • $175Premises and equipment expense
  • $314Additional noninterest expense
  • -$73Pre-tax net operating income
  • $142Securities gains (losses)
  • -$6Applicable income taxes
  • $75Income before extraordinary items
  • $0Extraordinary gains - net
  • $75Net income attributable to bank
  • $0Net charge-offs
  • $75Cash dividends
  • $85Sale, conversion, retirement of capital stock, net
  • $14Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.21%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.81%Noninterest expense to earning assets
  • -0.23%Net operating income to assets
  • 0.26%Return on assets (ROA)
  • 0.24%Pretax return on assets
  • 2.09%Return on equity (ROE)
  • 1.70%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 0.14%Efficiency ratio
  • 98,746Assets per employee
  • 3.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.67%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 32.79%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 3.04%Net loans and leases to deposits
  • 41.71%Net loans and leases to core deposits
  • 42.28%Equity capital to assets
  • 12.92%Core capital (leverage) ratio
  • 12.42%Tier 1 risk-based capital ratio
  • 24.85%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $28,530Average earning assets
  • $3,590Average equity
  • $24,772Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01512The Citizens Bank Of De Graff101 North Main Street, De Graff, OH 43318January 01, 1885Full Service Brick and Mortar

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