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


The Citizens National Bank of Woodsfield - Overview

  • General
  • FDIC Certificate #: 6732
    Status: Active
    Federal Reserve ID: 386825
    Bank Holding Company (Regulatory Top Holder): Cnb Bancorp, Inc. (RSSDID: 2376969, Location: Woodsfield, OH)
    Date Established: December 07, 1933
    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 #: 4513
    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: Other Specialized Lending < 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: 143 Main Street, Woodsfield, OH 43793
    County: Monroe
    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: $71.8 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $64.6 mil
    Return on assets (ROA): 0.41% ($0.3 mil)
    Quarterly return on assets: 0.41% ($0.3 mil)
    Return on Equity (ROE): 3.44% ($0.2 mil)
    Quarterly return on equity: 3.73% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.51% ($366.3 mil)
    Quarterly Pretax return on assets: 0.51% ($366.3 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
  • 28Total employees (full-time equivalent)
  • $71,819Total assets
  • $18,856Cash and due from depository institutions
  • $3,644Interest-bearing balances
  • $14,259Securities
  • $9,950Federal funds sold & reverse repurchase agreements
  • $26,391Net loans & leases
  • $245Loan loss allowance
  • $0Trading account assets
  • $1,640Bank premises and fixed assets
  • $76Other real estate owned
  • $0Goodwill and other intangibles
  • $71,819Life insurance assets
  • $647All other assets
  • $64,772Total liabilities and capital
  • $64,553Total liabilities
  • $42,933Total deposits
  • $64,553Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $219Subordinated debt
  • $7,047All other liabilities
  • $7,047Total equity capital
  • $7,047Total bank equity capital
  • $0Perpetual preferred stock
  • $2,400Common stock
  • $2,400Surplus
  • $2,247Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $440Income earned, not collected on loans
  • $6Earning assets
  • $219Long-term assets (5+ years)
  • $54,244Average Assets, year-to-date
  • $28,036Average Assets, quarterly
  • $57,982Volatile liabilities
  • $64,369Insider loans
  • $26,885FHLB advances
  • $58,202Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,930Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,383Restructured Loans and leases
  • $1,276Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,115Total interest income
  • $84Total interest expense
  • $2,031Net interest income
  • $14Provision for loan and lease losses
  • $164Total noninterest income
  • $0Fiduciary activities
  • $94Service charges on deposit accounts
  • $0Trading account gains & fees
  • $70Additional noninterest income
  • $1,886Total noninterest expense
  • $913Salaries and employee benefits
  • $292Premises and equipment expense
  • $681Additional noninterest expense
  • $295Pre-tax net operating income
  • $0Securities gains (losses)
  • $55Applicable income taxes
  • $240Income before extraordinary items
  • $0Extraordinary gains - net
  • $240Net income attributable to bank
  • $0Net charge-offs
  • $240Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $180Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 0.17%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 3.75%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 3.44%Return on equity (ROE)
  • 0.86%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 140.00%Credit loss provision to net charge-offs
  • 30.90%Efficiency ratio
  • 85,923Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.00%Loss allowance to loans
  • 0.92%Loss allowance to noncurrent loans
  • 55.68%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 40.88%Net loans and leases to core deposits
  • 40.88%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 11.91%Tier 1 risk-based capital ratio
  • 25.78%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $57,982Average earning assets
  • $6,983Average equity
  • $50,311Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04513The Citizens National Bank Of Woodsf143 Main Street, Woodsfield, OH 43793December 07, 1933Full Service Brick and Mortar
    1212008Sardis BranchState Route 7, Sardis, OH 43946March 21, 1977Full Service Brick and Mortar
    2470481Barnesville Branch102 Colonel Drive, Barnesville, OH 43713July 12, 2007Full Service Brick and Mortar

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