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

The Citizens National Bank of Southwestern Ohio - Overview

  • General
  • FDIC Certificate #: 35302
    Status: Active
    Federal Reserve ID: 2837077
    Bank Holding Company (Regulatory Top Holder): Tcnb Financial Corp. (RSSDID: 2833127, Location: Dayton, OH)
    Date Established: January 24, 2000
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 77692
    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 24, 2000
    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: 29 West Whipp Road, Dayton, OH 45459
    County: Montgomery
    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): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $114.2 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $104.8 mil
    Return on assets (ROA): 0.55% ($0.6 mil)
    Quarterly return on assets: 0.39% ($0.4 mil)
    Return on Equity (ROE): 6.59% ($0.6 mil)
    Quarterly return on equity: 4.94% ($0.4 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.79% ($902.4 mil)
    Quarterly Pretax return on assets: 0.39% ($445.5 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
  • 26Total employees (full-time equivalent)
  • $114,223Total assets
  • $24,587Cash and due from depository institutions
  • $23,527Interest-bearing balances
  • $13,577Securities
  • $832Federal funds sold & reverse repurchase agreements
  • $70,170Net loans & leases
  • $1,201Loan loss allowance
  • $0Trading account assets
  • $2,065Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $114,223Life insurance assets
  • $2,992All other assets
  • $105,145Total liabilities and capital
  • $104,825Total liabilities
  • $90,146Total deposits
  • $104,825Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $320Subordinated debt
  • $9,078All other liabilities
  • $9,078Total equity capital
  • $9,078Total bank equity capital
  • $0Perpetual preferred stock
  • $660Common stock
  • $8,191Surplus
  • $227Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $300Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $623Income earned, not collected on loans
  • $0Earning assets
  • $1,494Long-term assets (5+ years)
  • $108,106Average Assets, year-to-date
  • $30,159Average Assets, quarterly
  • $118,220Volatile liabilities
  • $115,285Insider loans
  • $74,723FHLB advances
  • $114,757Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,947Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,457Restructured Loans and leases
  • $819Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,390Total interest income
  • $1,110Total interest expense
  • $4,280Net interest income
  • $714Provision for loan and lease losses
  • $347Total noninterest income
  • $0Fiduciary activities
  • $114Service charges on deposit accounts
  • $0Trading account gains & fees
  • $233Additional noninterest income
  • $3,073Total noninterest expense
  • $1,523Salaries and employee benefits
  • $478Premises and equipment expense
  • $1,072Additional noninterest expense
  • $840Pre-tax net operating income
  • $92Securities gains (losses)
  • $284Applicable income taxes
  • $648Income before extraordinary items
  • $0Extraordinary gains - net
  • $648Net income attributable to bank
  • $0Net charge-offs
  • $648Cash dividends
  • $644Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 6.59%Return on equity (ROE)
  • 6.59%Retained earnings to average equity (YTD only)
  • 0.87%Net charge-offs to loans
  • 110.87%Credit loss provision to net charge-offs
  • 2.41%Efficiency ratio
  • 66,415Assets per employee
  • 4.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 192.78%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 66.94%Net loans and leases to core deposits
  • 69.96%Equity capital to assets
  • 7.95%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 11.97%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $118,220Average earning assets
  • $9,828Average equity
  • $112,000Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    077692The Citizens National Bank Of Southw29 West Whipp Road, Dayton, OH 45459January 24, 2000Full Service Brick and Mortar
    1419355Huber Heights Branch7455 Old Troy Pike, Huber Heights, OH 45424May 09, 2002Full Service Brick and Mortar
    2464020Miamisburg Branch9700 Springboro Pike, Miamisburg, OH 45342May 01, 2007Full Service Brick and Mortar

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