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

The Citizens National Bank of Bluffton - Overview

  • General
  • FDIC Certificate #: 6531
    Status: Active
    Federal Reserve ID: 738013
    Bank Holding Company (Regulatory Top Holder): Citizens Bancshares, Inc. (RSSDID: 3248821, Location: Bluffton, OH)
    Date Established: January 13, 1920
    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: 11 (Domestic: 10, Interstate: No)
    OTS Docket #: 8897
    FDIC's unique #: 4369
    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: Yes
    Asset Concentration Hierarchy: Commercial 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: 102 South Main Street, Bluffton, OH 45817
    County: Allen
    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): Lima, OH (#4320)
    Combined Statistical Area (CSA): Lima-Van Wert-Wapakoneta, OH (#338)
    Core Based Statistical Area (CBSA): Lima, OH (#30620)
    CBSA Metro Statistical Area: Lima, OH (#30620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $589.4 mil
    Equity capital: $55.3 mil
    Deposits held in domestic offices: $423.2 mil
    Return on assets (ROA): 1.88% ($11.1 mil)
    Quarterly return on assets: 1.65% ($9.7 mil)
    Return on Equity (ROE): 20.55% ($11.3 mil)
    Quarterly return on equity: 17.72% ($9.7 mil)
    Net income: $10.8 mil
    Quarterly Net income: $2.4 mil
    Pretax return on assets: 1.88% ($11,080.9 mil)
    Quarterly Pretax return on assets: 1.65% ($9,725.3 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
  • 145Total employees (full-time equivalent)
  • $589,411Total assets
  • $14,847Cash and due from depository institutions
  • $6,046Interest-bearing balances
  • $133,551Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $418,190Net loans & leases
  • $5,091Loan loss allowance
  • $0Trading account assets
  • $9,045Bank premises and fixed assets
  • $2,278Other real estate owned
  • $1,647Goodwill and other intangibles
  • $589,411Life insurance assets
  • $9,853All other assets
  • $534,138Total liabilities and capital
  • $423,221Total liabilities
  • $344,875Total deposits
  • $423,221Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 3207.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $91,961Trading liabilities
  • $14,278Other borrowed funds
  • $1,471Subordinated debt
  • $55,273All other liabilities
  • $55,273Total equity capital
  • $55,273Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $350Surplus
  • $54,573Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,202Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,829Income earned, not collected on loans
  • $295Earning assets
  • $2,833Long-term assets (5+ years)
  • $557,787Average Assets, year-to-date
  • $253,114Average Assets, quarterly
  • $571,747Volatile liabilities
  • $581,617Insider loans
  • $453,435FHLB advances
  • $574,034Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $50,057Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $114,531Restructured Loans and leases
  • $1,870Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,432Total interest income
  • $5,896Total interest expense
  • $23,536Net interest income
  • $1,799Provision for loan and lease losses
  • $5,359Total noninterest income
  • $0Fiduciary activities
  • $553Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,806Additional noninterest income
  • $16,826Total noninterest expense
  • $8,836Salaries and employee benefits
  • $1,881Premises and equipment expense
  • $6,109Additional noninterest expense
  • $10,270Pre-tax net operating income
  • $489Securities gains (losses)
  • $0Applicable income taxes
  • $10,759Income before extraordinary items
  • $0Extraordinary gains - net
  • $10,759Net income attributable to bank
  • $0Net charge-offs
  • $10,759Cash dividends
  • $1,473Sale, conversion, retirement of capital stock, net
  • $6,590Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.35%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 1.80%Net operating income to assets
  • 1.88%Return on assets (ROA)
  • 1.88%Pretax return on assets
  • 20.55%Return on equity (ROE)
  • 7.96%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 122.13%Credit loss provision to net charge-offs
  • 8.19%Efficiency ratio
  • 58,228Assets per employee
  • 4.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.25%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 57.66%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 98.81%Net loans and leases to core deposits
  • 108.02%Equity capital to assets
  • 9.38%Core capital (leverage) ratio
  • 8.72%Tier 1 risk-based capital ratio
  • 11.04%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $571,747Average earning assets
  • $52,351Average equity
  • $541,056Average loans

List of branches

  • 11 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04369The Citizens National Bank Of Blufft102 South Main Street, Bluffton, OH 45817January 13, 1920Full Service Brick and Mortar
    1210611South Main Street Branch138 South Main Street, Bluffton, OH 45817September 19, 1977Limited Service Facility
    2210612Elida Branch305 Kiracofe Street, Elida, OH 45807December 01, 1987Full Service Brick and Mortar
    3210613Lima Branch201 North Main Street, Lima, OH 45801June 15, 1992Full Service Brick and Mortar
    4210614Lima Office Drive-Thru Branch135 North Main Street, Lima, OH 45801October 01, 1992Limited Service Facility
    5364511Cnb Operations Center BranchCitizens Parkway, Bluffton, OH 45817November 01, 2001Limited Service Administrative
    6419444Van Vert Branch1199 Westwood Drive, Van Wert, OH 45891June 30, 2003Full Service Brick and Mortar
    7424254Celina Branch601 Grand Lake Road, Celina, OH 45822November 04, 2003Full Service Brick and Mortar
    8425749Findlay Branch1995 Tiffin Avenue, Findlay, OH 45840Febuary 02, 2004Full Service Brick and Mortar
    9492935Springfield Branch30 Warder Street Suite 150, Springfield, OH 45504August 08, 2008Full Service Brick and Mortar
    10528863Defiance Branch607 West Third Street, Defiance, OH 43512Febuary 08, 2012Full Service Brick and Mortar

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