The Community National Bank in Franklin, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2009

  • The Community National Bank in Franklin, Ohio (OH)
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The Community National Bank - Overview

  • General
  • FDIC Certificate #: 24271
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The National Bank and Trust Company (#6731)
    Federal Reserve ID: 480817
    Date Established: Febuary 07, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 16889
    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: Febuary 07, 1983
    Last Structure Change Effective Date: December 31, 2009
    Last Structure Change Process Date: January 13, 2010
    Last Data Update: January 13, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1400 East Second Street, Franklin, OH 45005
    County: Warren
    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): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $91.9 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, 2008)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $105,807Total assets
  • $5,940Cash and due from depository institutions
  • $133Interest-bearing balances
  • $14,268Securities
  • $6,300Federal funds sold & reverse repurchase agreements
  • $71,215Net loans & leases
  • $3,299Loan loss allowance
  • $0Trading account assets
  • $4,285Bank premises and fixed assets
  • $1,611Other real estate owned
  • $243Goodwill and other intangibles
  • $0Life insurance assets
  • $1,945All other assets
  • $105,807Total liabilities and capital
  • $97,056Total liabilities
  • $96,407Total deposits
  • $79,787Interest-bearing deposits
  • $96,407Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $649All other liabilities
  • $8,751Total equity capital
  • $8,751Total bank equity capital
  • $8,751Perpetual preferred stock
  • $0Common stock
  • $766Surplus
  • $996Undivided profits
  • Memoranda
  • $6,989Noncurrent loans and leases
  • $2,175Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $3,684Earning assets
  • $0Long-term assets (5+ years)
  • $321Average Assets, year-to-date
  • $91,916Average Assets, quarterly
  • $38,073Volatile liabilities
  • $119,577Insider loans
  • $110,295FHLB advances
  • $17,759Loans and leases held for sale
  • $639Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,175Total unused commitments
  • $0Restructured Loans and leases
  • $829Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $6,328Total interest income
  • $3,019Total interest expense
  • $3,309Net interest income
  • $1,300Provision for loan and lease losses
  • $2,181Total noninterest income
  • $0Fiduciary activities
  • $608Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,573Additional noninterest income
  • $6,479Total noninterest expense
  • $2,810Salaries and employee benefits
  • $827Premises and equipment expense
  • $2,842Additional noninterest expense
  • -$2,289Pre-tax net operating income
  • $0Securities gains (losses)
  • -$41Applicable income taxes
  • -$2,248Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,248Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,368Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.06%Yield on earning assets
  • 2.89%Cost of funding earning assets
  • 3.17%Net interest margin
  • 2.09%Noninterest income to earning assets
  • 6.20%Noninterest expense to earning assets
  • -1.88%Net operating income to assets
  • -1.88%Return on assets (ROA)
  • -1.91%Pretax return on assets
  • -22.57%Return on equity (ROE)
  • -22.57%Retained earnings to average equity (YTD only)
  • 2.82%Net charge-offs to loans
  • 54.90%Credit loss provision to net charge-offs
  • -0.42%Efficiency ratio
  • 113,607Assets per employee
  • 2.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.43%Loss allowance to noncurrent loans
  • 89.55%Noncurrent assets plus other real estate owned to assets
  • 5.00%Noncurrent loans to loans
  • 4.94%Net loans and leases to deposits
  • 73.87%Net loans and leases to core deposits
  • 90.55%Equity capital to assets
  • 8.27%Core capital (leverage) ratio
  • 7.40%Tier 1 risk-based capital ratio
  • 12.97%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $119,577Average earning assets
  • $9,961Average equity
  • $104,500Average loans

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