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

This bank is inactive as of January 21, 2005

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

  • General
  • FDIC Certificate #: 750
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Federal Bank of the Midwest (#29845)
    Federal Reserve ID: 934114
    Date Established: March 27, 1877
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 13713
    FDIC's unique #: 477
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 21, 2005
    Last Structure Change Process Date: Febuary 09, 2005
    Last Data Update: Febuary 09, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 230 East Second Street, Delphos, OH 45833
    County: Allen
    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): Lima, OH (#4320)
    Combined Statistical Area (CSA): Lima-Van Wert-Wapakoneta, OH (#338)
    Core Based Statistical Area (CBSA): Lima, OH (#30620)
    CBSA Metro Statistical Area: Lima, OH (#30620)
  • Financial Summary
  • Total assets: $199.2 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, 2004)

  • Dollar figures in thousands
  • 79Total employees (full-time equivalent)
  • $199,160Total assets
  • $8,311Cash and due from depository institutions
  • $210Interest-bearing balances
  • $55,812Securities
  • $10,069Federal funds sold & reverse repurchase agreements
  • $116,155Net loans & leases
  • $3,729Loan loss allowance
  • $0Trading account assets
  • $4,168Bank premises and fixed assets
  • $120Other real estate owned
  • $513Goodwill and other intangibles
  • $0Life insurance assets
  • $4,012All other assets
  • $199,160Total liabilities and capital
  • $177,803Total liabilities
  • $166,029Total deposits
  • $146,870Interest-bearing deposits
  • $166,029Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,170Other borrowed funds
  • $1,500Subordinated debt
  • $1,104All other liabilities
  • $21,357Total equity capital
  • $21,357Total bank equity capital
  • $21,357Perpetual preferred stock
  • $0Common stock
  • $1,237Surplus
  • $6,513Undivided profits
  • Memoranda
  • $13,607Noncurrent loans and leases
  • $21,204Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,451Earning assets
  • $0Long-term assets (5+ years)
  • $797Average Assets, year-to-date
  • $182,246Average Assets, quarterly
  • $32,491Volatile liabilities
  • $206,346Insider loans
  • $201,886FHLB advances
  • $23,461Loans and leases held for sale
  • $4,533Unused loan commitments
  • $3,131Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $76Total risk weighted assets
  • $21,204Total unused commitments
  • $0Restructured Loans and leases
  • $3,027Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $10,191Total interest income
  • $2,848Total interest expense
  • $7,343Net interest income
  • $60Provision for loan and lease losses
  • $1,122Total noninterest income
  • $0Fiduciary activities
  • $557Service charges on deposit accounts
  • $0Trading account gains & fees
  • $565Additional noninterest income
  • $7,258Total noninterest expense
  • $4,045Salaries and employee benefits
  • $730Premises and equipment expense
  • $2,483Additional noninterest expense
  • $1,147Pre-tax net operating income
  • $12Securities gains (losses)
  • $239Applicable income taxes
  • $920Income before extraordinary items
  • $0Extraordinary gains - net
  • $920Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $156Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.41%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.85%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 4.39%Return on equity (ROE)
  • 4.39%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 38.46%Credit loss provision to net charge-offs
  • 7.74%Efficiency ratio
  • 85,139Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.11%Loss allowance to noncurrent loans
  • 257.00%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 69.96%Net loans and leases to core deposits
  • 78.14%Equity capital to assets
  • 10.72%Core capital (leverage) ratio
  • 10.32%Tier 1 risk-based capital ratio
  • 17.45%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $206,346Average earning assets
  • $20,963Average equity
  • $188,375Average loans

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