The Citizens National Bank of Chillicothe in Chillicothe, Ohio (OH)



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The Citizens National Bank of Chillicothe routing number info

Table of contents:
The Citizens National Bank of Chillicothe
GeneralFDIC 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
WWW: http://www.cnbweb.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: 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)47
Total assets$148,672
Cash and due from depository institutions$6,294
Interest-bearing balances$2,150
Securities$20,838
Federal funds sold & reverse repurchase agreements$5,376
Net loans & leases$104,863
Loan loss allowance $1,095
Trading account assets$0
Bank premises and fixed assets$2,931
Other real estate owned$883
Goodwill and other intangibles$1,233
All other assets$6,254
Life insurance assets$148,672
Total liabilities and capital$133,635
Total liabilities$132,278
Total deposits$104,480
Interest-bearing deposits$132,278
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,357
All other liabilities $15,037
Total equity capital$15,037
Total bank equity capital$15,037
Perpetual preferred stock$0
Common stock$1,035
Surplus$4,196
Undivided profits $9,806
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $122
Income earned, not collected on loans $1,278
Earning assets $0
Long-term assets (5+ years) $618
Average Assets, year-to-date $133,227
Average Assets, quarterly $38,940
Volatile liabilities $145,919
Insider loans $147,209
FHLB advances $101,198
Loans and leases held for sale $147,751
Unused loan commitments $3,598
Tier 1 (core) risk-based capital $1,841
Tier 2 risk-based capital $13,668
Total risk weighted assets $0
Total unused commitments $1,757
Restructured Loans and leases $9,340
Derivatives$5,914
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,813
Total interest expense $996
Net interest income $5,817
Provision for loan and lease losses $450
Total noninterest income $800
Fiduciary activities $0
Service charges on deposit accounts $214
Trading account gains & fees $0
Additional noninterest income $586
Total noninterest expense $4,841
Salaries and employee benefits $2,431
Premises and equipment expense $628
Additional noninterest expense $1,782
Pre-tax net operating income $1,326
Securities gains (losses) $0
Applicable income taxes $362
Income before extraordinary items $964
Extraordinary gains - net $0
Net income attributable to bank $964
Net charge-offs $0
Cash dividends $964
Sale, conversion, retirement of capital stock, net $396
Net operating income $610
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.24%
Cost of funding earning assets 0.77%
Net interest margin 4.47%
Noninterest income to earning assets 0.61%
Noninterest expense to earning assets 3.72%
Net operating income to assets 0.66%
Return on assets (ROA) 0.66%
Pretax return on assets 0.91%
Return on equity (ROE) 6.45%
Retained earnings to average equity (YTD only) 2.37%
Net charge-offs to loans 0.38%
Credit loss provision to net charge-offs 113.64%
Efficiency ratio4.48%
Assets per employee$72,812
Cash dividends to net income (YTD only)3.16%
Condition Ratios (%)
Loss allowance to loans 63.28%
Loss allowance to noncurrent loans 1.03%
Noncurrent assets plus other real estate owned to assets 85.68%
Noncurrent loans to loans 1.45%
Net loans and leases to deposits1.21%
Net loans and leases to core deposits 79.27%
Equity capital to assets 79.64%
Core capital (leverage) ratio 10.11%
Tier 1 risk-based capital ratio 9.25%
Total risk-based capital ratio 13.51%
Memoranda
Average assets$15
Average earning assets$145,919
Average equity $14,935
Average loans $130,140
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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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