The Exchange Bank in Luckey, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 24, 2007

  • The Exchange Bank in Luckey, Ohio (OH)
  • Show street view No street view available for this location

The Exchange Bank - Overview

  • General
  • FDIC Certificate #: 2066
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The State Bank and Trust Company (#13339)
    Federal Reserve ID: 43324
    Date Established: November 06, 1906
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 14295
    FDIC's unique #: 1366
    Numeric code: 13
    Regulator: FED
    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: March 24, 2007
    Last Structure Change Process Date: April 12, 2007
    Last Data Update: April 12, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 235 Main Street, Luckey, OH 43443
    County: Wood
    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): Toledo, OH (#8400)
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • Financial Summary
  • Total assets: $86.5 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
  • 28Total employees (full-time equivalent)
  • $86,497Total assets
  • $2,314Cash and due from depository institutions
  • $42Interest-bearing balances
  • $10,344Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $63,397Net loans & leases
  • $831Loan loss allowance
  • $0Trading account assets
  • $3,916Bank premises and fixed assets
  • $0Other real estate owned
  • $5,062Goodwill and other intangibles
  • $0Life insurance assets
  • $1,464All other assets
  • $86,497Total liabilities and capital
  • $74,351Total liabilities
  • $69,739Total deposits
  • $56,377Interest-bearing deposits
  • $69,739Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $170Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,500Other borrowed funds
  • $0Subordinated debt
  • $942All other liabilities
  • $12,146Total equity capital
  • $12,146Total bank equity capital
  • $12,146Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $11,083Undivided profits
  • Memoranda
  • $-1,437Noncurrent loans and leases
  • $9,260Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $259Earning assets
  • $0Long-term assets (5+ years)
  • $413Average Assets, year-to-date
  • $73,783Average Assets, quarterly
  • $24,895Volatile liabilities
  • $85,988Insider loans
  • $86,858FHLB advances
  • $11,648Loans and leases held for sale
  • $272Unused loan commitments
  • $3,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $9,260Total unused commitments
  • $13Restructured Loans and leases
  • $745Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $5,292Total interest income
  • $1,717Total interest expense
  • $3,575Net interest income
  • $3Provision for loan and lease losses
  • $1,154Total noninterest income
  • $0Fiduciary activities
  • $365Service charges on deposit accounts
  • $0Trading account gains & fees
  • $789Additional noninterest income
  • $4,900Total noninterest expense
  • $1,708Salaries and employee benefits
  • $638Premises and equipment expense
  • $2,554Additional noninterest expense
  • -$174Pre-tax net operating income
  • $0Securities gains (losses)
  • -$60Applicable income taxes
  • -$114Income before extraordinary items
  • $0Extraordinary gains - net
  • -$114Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $82Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.16%Yield on earning assets
  • 2.32%Cost of funding earning assets
  • 4.84%Net interest margin
  • 1.56%Noninterest income to earning assets
  • 6.63%Noninterest expense to earning assets
  • -0.13%Net operating income to assets
  • -0.13%Return on assets (ROA)
  • -0.20%Pretax return on assets
  • -1.03%Return on equity (ROE)
  • -1.03%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 3.66%Credit loss provision to net charge-offs
  • -2.09%Efficiency ratio
  • 97,209Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 320.85%Noncurrent assets plus other real estate owned to assets
  • 0.30%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 90.91%Net loans and leases to core deposits
  • 102.65%Equity capital to assets
  • 14.04%Core capital (leverage) ratio
  • 8.68%Tier 1 risk-based capital ratio
  • 11.90%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $85,988Average earning assets
  • $11,022Average equity
  • $73,932Average loans

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