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

The Citizens National Bank of McConnelsville - Overview

  • General
  • FDIC Certificate #: 6638
    Status: Active
    Federal Reserve ID: 685023
    Bank Holding Company (Regulatory Top Holder): Cnb Holdings, Inc. (RSSDID: 2951106, Location: Mcconnelsville, OH)
    Date Established: Febuary 01, 1900
    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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15883
    FDIC's unique #: 4448
    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: All Other Specialization < 1 Billion
    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: 100 East Main Street, Mcconnelsville, OH 43756
    County: Morgan
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $82.6 mil
    Equity capital: $9.8 mil
    Deposits held in domestic offices: $67.7 mil
    Return on assets (ROA): 0.45% ($0.4 mil)
    Quarterly return on assets: 0.51% ($0.4 mil)
    Return on Equity (ROE): 3.81% ($0.4 mil)
    Quarterly return on equity: 4.32% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.58% ($478.8 mil)
    Quarterly Pretax return on assets: 0.68% ($561.4 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
  • 22Total employees (full-time equivalent)
  • $82,555Total assets
  • $15,103Cash and due from depository institutions
  • $13,655Interest-bearing balances
  • $20,042Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,199Net loans & leases
  • $445Loan loss allowance
  • $0Trading account assets
  • $664Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $82,555Life insurance assets
  • $2,547All other assets
  • $72,767Total liabilities and capital
  • $67,733Total liabilities
  • $59,440Total deposits
  • $67,733Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,453Trading liabilities
  • $0Other borrowed funds
  • $581Subordinated debt
  • $9,788All other liabilities
  • $9,788Total equity capital
  • $9,788Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $1,200Surplus
  • $7,388Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,586Income earned, not collected on loans
  • $0Earning assets
  • $270Long-term assets (5+ years)
  • $77,896Average Assets, year-to-date
  • $26,131Average Assets, quarterly
  • $82,679Volatile liabilities
  • $83,299Insider loans
  • $36,302FHLB advances
  • $83,514Loans and leases held for sale
  • $1,640Unused loan commitments
  • $1,552Tier 1 (core) risk-based capital
  • $9,788Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $88Total unused commitments
  • $1,576Restructured Loans and leases
  • $1,227Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,609Total interest income
  • $1,313Total interest expense
  • $2,296Net interest income
  • $120Provision for loan and lease losses
  • $280Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • $204Additional noninterest income
  • $1,976Total noninterest expense
  • $943Salaries and employee benefits
  • $136Premises and equipment expense
  • $897Additional noninterest expense
  • $480Pre-tax net operating income
  • $0Securities gains (losses)
  • $106Applicable income taxes
  • $374Income before extraordinary items
  • $0Extraordinary gains - net
  • $374Net income attributable to bank
  • $0Net charge-offs
  • $374Cash dividends
  • $190Sale, conversion, retirement of capital stock, net
  • $302Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.70%Cost of funding earning assets
  • 2.97%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.56%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.58%Pretax return on assets
  • 3.81%Return on equity (ROE)
  • 0.73%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 63.16%Credit loss provision to net charge-offs
  • 3.16%Efficiency ratio
  • 76,708Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.75%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 28.06%Noncurrent assets plus other real estate owned to assets
  • 1.92%Noncurrent loans to loans
  • 3.55%Net loans and leases to deposits
  • 65.25%Net loans and leases to core deposits
  • 67.98%Equity capital to assets
  • 11.86%Core capital (leverage) ratio
  • 11.72%Tier 1 risk-based capital ratio
  • 26.96%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $82,679Average earning assets
  • $9,807Average equity
  • $77,231Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04448The Citizens National Bank Of Mcconn100 East Main Street, Mcconnelsville, OH 43756Febuary 01, 1900Full Service Brick and Mortar
    1211694Duncan Falls Branch412 Main Street, Duncan Falls, OH 43734December 16, 1996Full Service Brick and Mortar

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