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

This bank is inactive as of September 20, 2008

  • The Citizens National Bank of Urbana in Urbana, Ohio (OH)
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The Citizens National Bank of Urbana - Overview

  • General
  • FDIC Certificate #: 6715
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Park National Bank (#6653)
    Federal Reserve ID: 235521
    Date Established: Febuary 14, 1885
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    OTS Docket #: 11359
    FDIC's unique #: 4499
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 20, 2008
    Last Structure Change Process Date: September 29, 2008
    Last Data Update: September 29, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1 Monument Square, Urbana, OH 43078
    County: Champaign
    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): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Urbana, OH (#46500)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $142.6 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, 2007)

  • Dollar figures in thousands
  • 50Total employees (full-time equivalent)
  • $145,547Total assets
  • $9,774Cash and due from depository institutions
  • $133Interest-bearing balances
  • $73,861Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $52,107Net loans & leases
  • $982Loan loss allowance
  • $0Trading account assets
  • $982Bank premises and fixed assets
  • $390Other real estate owned
  • $90Goodwill and other intangibles
  • $5,101Life insurance assets
  • $8,343All other assets
  • $145,547Total liabilities and capital
  • $136,171Total liabilities
  • $119,915Total deposits
  • $85,545Interest-bearing deposits
  • $119,915Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $12,218Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,620Other borrowed funds
  • $0Subordinated debt
  • $1,418All other liabilities
  • $9,376Total equity capital
  • $9,376Total bank equity capital
  • $9,376Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $2,000Undivided profits
  • Memoranda
  • $5,876Noncurrent loans and leases
  • $16,415Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $822Earning assets
  • $0Long-term assets (5+ years)
  • $868Average Assets, year-to-date
  • $126,101Average Assets, quarterly
  • $80,903Volatile liabilities
  • $151,485Insider loans
  • $146,095FHLB advances
  • $26,749Loans and leases held for sale
  • $3,206Unused loan commitments
  • $2,489Tier 1 (core) risk-based capital
  • $173Tier 2 risk-based capital
  • $168Total risk weighted assets
  • $16,415Total unused commitments
  • $0Restructured Loans and leases
  • $908Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $8,173Total interest income
  • $3,062Total interest expense
  • $5,111Net interest income
  • $0Provision for loan and lease losses
  • $1,720Total noninterest income
  • $0Fiduciary activities
  • $830Service charges on deposit accounts
  • $0Trading account gains & fees
  • $890Additional noninterest income
  • $4,137Total noninterest expense
  • $2,107Salaries and employee benefits
  • $531Premises and equipment expense
  • $1,499Additional noninterest expense
  • $2,694Pre-tax net operating income
  • $0Securities gains (losses)
  • $864Applicable income taxes
  • $1,830Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,830Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $247Sale, conversion, retirement of capital stock, net
  • $4,000Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.19%Yield on earning assets
  • 2.32%Cost of funding earning assets
  • 3.87%Net interest margin
  • 1.30%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 16.90%Return on equity (ROE)
  • -20.05%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 10.91%Efficiency ratio
  • 60,562Assets per employee
  • 2.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 218.58%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 119.46%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 1.55%Net loans and leases to deposits
  • 43.45%Net loans and leases to core deposits
  • 48.25%Equity capital to assets
  • 6.44%Core capital (leverage) ratio
  • 6.61%Tier 1 risk-based capital ratio
  • 13.27%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $151,485Average earning assets
  • $10,826Average equity
  • $131,998Average loans

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