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)
  • Show street view No street view available for this location

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
    WWW: http://www.commercialbank.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with The Commercial Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents