The Clarksburg Commercial Bank in Clarksburg, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 07, 2007

  • The Clarksburg Commercial Bank in Clarksburg, Ohio (OH)
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The Clarksburg Commercial Bank - Overview

  • General
  • FDIC Certificate #: 395
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: The Citizens National Bank of Chillicothe (#6547)
    Federal Reserve ID: 647919
    Date Established: November 20, 1911
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 302
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 07, 2007
    Last Structure Change Process Date: September 25, 2007
    Last Data Update: September 25, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 10820 Main Street, Clarksburg, OH 43115
    County: Ross
    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): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Chillicothe, OH (#17060)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $17.3 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, 2006)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $16,773Total assets
  • $990Cash and due from depository institutions
  • $3Interest-bearing balances
  • $2,418Securities
  • $752Federal funds sold & reverse repurchase agreements
  • $11,934Net loans & leases
  • $68Loan loss allowance
  • $0Trading account assets
  • $371Bank premises and fixed assets
  • $24Other real estate owned
  • $0Goodwill and other intangibles
  • $3Life insurance assets
  • $284All other assets
  • $16,773Total liabilities and capital
  • $15,014Total liabilities
  • $14,954Total deposits
  • $13,277Interest-bearing deposits
  • $14,954Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $60All other liabilities
  • $1,759Total equity capital
  • $1,759Total bank equity capital
  • $1,759Perpetual preferred stock
  • $0Common stock
  • $250Surplus
  • $250Undivided profits
  • Memoranda
  • $1,259Noncurrent loans and leases
  • $748Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $184Earning assets
  • $0Long-term assets (5+ years)
  • $176Average Assets, year-to-date
  • $15,107Average Assets, quarterly
  • $332Volatile liabilities
  • $16,186Insider loans
  • $16,327FHLB advances
  • $1,125Loans and leases held for sale
  • $416Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $748Total unused commitments
  • $0Restructured Loans and leases
  • $68Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $1,086Total interest income
  • $284Total interest expense
  • $802Net interest income
  • $10Provision for loan and lease losses
  • $105Total noninterest income
  • $0Fiduciary activities
  • $81Service charges on deposit accounts
  • $0Trading account gains & fees
  • $24Additional noninterest income
  • $840Total noninterest expense
  • $393Salaries and employee benefits
  • $152Premises and equipment expense
  • $295Additional noninterest expense
  • $57Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $57Income before extraordinary items
  • $0Extraordinary gains - net
  • $57Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $7Sale, conversion, retirement of capital stock, net
  • $25Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.42%Yield on earning assets
  • 1.94%Cost of funding earning assets
  • 5.48%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 5.74%Noninterest expense to earning assets
  • 0.35%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.35%Pretax return on assets
  • 3.31%Return on equity (ROE)
  • 1.86%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 142.86%Credit loss provision to net charge-offs
  • 9.57%Efficiency ratio
  • 92,613Assets per employee
  • 2.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.86%Loss allowance to loans
  • 0.57%Loss allowance to noncurrent loans
  • 36.96%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 79.80%Net loans and leases to core deposits
  • 86.30%Equity capital to assets
  • 10.49%Core capital (leverage) ratio
  • 10.61%Tier 1 risk-based capital ratio
  • 15.03%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $16,186Average earning assets
  • $1,722Average equity
  • $14,633Average loans

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