The Citizens National Bank of Southwestern Ohio in Dayton, Ohio (OH)

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The Citizens National Bank of Southwestern Ohio routing number info

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The Citizens National Bank of Southwestern Ohio
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)26
Total assets$114,223
Cash and due from depository institutions$24,587
Interest-bearing balances$23,527
Federal funds sold & reverse repurchase agreements$832
Net loans & leases$70,170
Loan loss allowance $1,201
Trading account assets$0
Bank premises and fixed assets$2,065
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,992
Life insurance assets$114,223
Total liabilities and capital$105,145
Total liabilities$104,825
Total deposits$90,146
Interest-bearing deposits$104,825
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $320
All other liabilities $9,078
Total equity capital$9,078
Total bank equity capital$9,078
Perpetual preferred stock$0
Common stock$660
Undivided profits $227
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $300
Income earned, not collected on loans $623
Earning assets $0
Long-term assets (5+ years) $1,494
Average Assets, year-to-date $108,106
Average Assets, quarterly $30,159
Volatile liabilities $118,220
Insider loans $115,285
FHLB advances $74,723
Loans and leases held for sale $114,757
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $8,947
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,457
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,390
Total interest expense $1,110
Net interest income $4,280
Provision for loan and lease losses $714
Total noninterest income $347
Fiduciary activities $0
Service charges on deposit accounts $114
Trading account gains & fees $0
Additional noninterest income $233
Total noninterest expense $3,073
Salaries and employee benefits $1,523
Premises and equipment expense $478
Additional noninterest expense $1,072
Pre-tax net operating income $840
Securities gains (losses) $92
Applicable income taxes $284
Income before extraordinary items $648
Extraordinary gains - net $0
Net income attributable to bank $648
Net charge-offs $0
Cash dividends $648
Sale, conversion, retirement of capital stock, net $644
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.81%
Cost of funding earning assets 0.99%
Net interest margin 3.82%
Noninterest income to earning assets 0.31%
Noninterest expense to earning assets 2.74%
Net operating income to assets 0.49%
Return on assets (ROA) 0.55%
Pretax return on assets 0.79%
Return on equity (ROE) 6.59%
Retained earnings to average equity (YTD only) 6.59%
Net charge-offs to loans 0.87%
Credit loss provision to net charge-offs 110.87%
Efficiency ratio2.41%
Assets per employee$66,415
Cash dividends to net income (YTD only)4.39%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.68%
Noncurrent assets plus other real estate owned to assets 192.78%
Noncurrent loans to loans 0.55%
Net loans and leases to deposits0.87%
Net loans and leases to core deposits 66.94%
Equity capital to assets 69.96%
Core capital (leverage) ratio 7.95%
Tier 1 risk-based capital ratio 7.80%
Total risk-based capital ratio 11.97%
Average assets$13
Average earning assets$118,220
Average equity $9,828
Average loans $112,000
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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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