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

The Citizens National Bank of Chillicothe - Overview

  • General
  • FDIC Certificate #: 6547
    Status: Active
    Federal Reserve ID: 974213
    Bank Holding Company (Regulatory Top Holder): First Capital Bancshares, Inc. (RSSDID: 2648170, Location: Chillicothe, OH)
    Date Established: January 01, 1901
    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: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 4382
    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: January 01, 1934
    Last Structure Change Effective Date: September 07, 2007
    Last Structure Change Process Date: September 25, 2007
    Last Data Update: September 25, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 33 West Main Street, Chillicothe, OH 45601
    County: Ross
    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
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Chillicothe, OH (#17060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $148.7 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $132.3 mil
    Return on assets (ROA): 0.66% ($1.0 mil)
    Quarterly return on assets: 0.67% ($1.0 mil)
    Return on Equity (ROE): 6.45% ($1.0 mil)
    Quarterly return on equity: 6.56% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.91% ($1,352.9 mil)
    Quarterly Pretax return on assets: 0.93% ($1,382.6 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
  • 47Total employees (full-time equivalent)
  • $148,672Total assets
  • $6,294Cash and due from depository institutions
  • $2,150Interest-bearing balances
  • $20,838Securities
  • $5,376Federal funds sold & reverse repurchase agreements
  • $104,863Net loans & leases
  • $1,095Loan loss allowance
  • $0Trading account assets
  • $2,931Bank premises and fixed assets
  • $883Other real estate owned
  • $1,233Goodwill and other intangibles
  • $148,672Life insurance assets
  • $6,254All other assets
  • $133,635Total liabilities and capital
  • $132,278Total liabilities
  • $104,480Total deposits
  • $132,278Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,357Subordinated debt
  • $15,037All other liabilities
  • $15,037Total equity capital
  • $15,037Total bank equity capital
  • $0Perpetual preferred stock
  • $1,035Common stock
  • $4,196Surplus
  • $9,806Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $122Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,278Income earned, not collected on loans
  • $0Earning assets
  • $618Long-term assets (5+ years)
  • $133,227Average Assets, year-to-date
  • $38,940Average Assets, quarterly
  • $145,919Volatile liabilities
  • $147,209Insider loans
  • $101,198FHLB advances
  • $147,751Loans and leases held for sale
  • $3,598Unused loan commitments
  • $1,841Tier 1 (core) risk-based capital
  • $13,668Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,757Total unused commitments
  • $9,340Restructured Loans and leases
  • $5,914Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,813Total interest income
  • $996Total interest expense
  • $5,817Net interest income
  • $450Provision for loan and lease losses
  • $800Total noninterest income
  • $0Fiduciary activities
  • $214Service charges on deposit accounts
  • $0Trading account gains & fees
  • $586Additional noninterest income
  • $4,841Total noninterest expense
  • $2,431Salaries and employee benefits
  • $628Premises and equipment expense
  • $1,782Additional noninterest expense
  • $1,326Pre-tax net operating income
  • $0Securities gains (losses)
  • $362Applicable income taxes
  • $964Income before extraordinary items
  • $0Extraordinary gains - net
  • $964Net income attributable to bank
  • $0Net charge-offs
  • $964Cash dividends
  • $396Sale, conversion, retirement of capital stock, net
  • $610Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.77%Cost of funding earning assets
  • 4.47%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 6.45%Return on equity (ROE)
  • 2.37%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 113.64%Credit loss provision to net charge-offs
  • 4.48%Efficiency ratio
  • 72,812Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.28%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 85.68%Noncurrent assets plus other real estate owned to assets
  • 1.45%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 79.27%Net loans and leases to core deposits
  • 79.64%Equity capital to assets
  • 10.11%Core capital (leverage) ratio
  • 9.25%Tier 1 risk-based capital ratio
  • 13.51%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $145,919Average earning assets
  • $14,935Average equity
  • $130,140Average loans

List of branches

  • 6 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04382The Citizens National Bank Of Chilli33 West Main Street, Chillicothe, OH 45601January 01, 1901Full Service Brick and Mortar
    1210667Frankfort BranchMain And Springfield Streets, Frankfort, OH 45628August 01, 1956Full Service Brick and Mortar
    2210668Western Branch1006 Western Avenue, Chillicothe, OH 45601March 18, 1991Full Service Brick and Mortar
    3365357Bridge Street Branch1240 N. Bridge Street, Chillicothe, OH 45601May 30, 2002Full Service Brick and Mortar
    4467298Fayette Banking Center Branch100 Crossings Drive, Washington Court House, OH 43160May 12, 2007Full Service Brick and Mortar
    5302Clarksburg Commercial Bank Branch10820 Main Street, Clarksburg, OH 43115November 20, 1911Full Service Brick and Mortar

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