The Farmers and Savings Bank, Loudonville, Ohio in Loudonville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 30, 1997

  • The Farmers and Savings Bank, Loudonville, Ohio in Loudonville, Ohio (OH)
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The Farmers and Savings Bank, Loudonville, Ohio - Overview

  • General
  • FDIC Certificate #: 8959
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First-Knox National Bank (#6651)
    Federal Reserve ID: 679022
    Date Established: January 01, 1930
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 10926
    FDIC's unique #: 5722
    Numeric code: 21
    Regulator: FDIC
    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: December 30, 1997
    Last Structure Change Process Date: January 21, 1998
    Last Data Update: January 21, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 120 North Water Street, Loudonville, OH 44842
    County: Ashland
    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
    Core Based Statistical Area (CBSA): Ashland, OH (#11740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $59.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $31Total assets
  • $60,428Cash and due from depository institutions
  • $1,822Interest-bearing balances
  • $23Securities
  • $11,857Federal funds sold & reverse repurchase agreements
  • $2,900Net loans & leases
  • $42,834Loan loss allowance
  • $623Trading account assets
  • $0Bank premises and fixed assets
  • $500Other real estate owned
  • $0Goodwill and other intangibles
  • $515Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $60,428Total liabilities
  • $55,704Total deposits
  • $54,660Interest-bearing deposits
  • $48,261Deposits held in domestic offices
  • 54660.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $684Subordinated debt
  • $0All other liabilities
  • $360Total equity capital
  • $360Total bank equity capital
  • $4,724Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $700Undivided profits
  • Memoranda
  • $3,724Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $290Income earned, not collected on loans
  • $252Earning assets
  • $57,614Long-term assets (5+ years)
  • $13,664Average Assets, year-to-date
  • $57,510Average Assets, quarterly
  • $59,785Volatile liabilities
  • $9,811Insider loans
  • $977FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,236Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $4,569Total risk weighted assets
  • $39,743Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,618Total interest expense
  • $2,082Net interest income
  • $2,536Provision for loan and lease losses
  • $84Total noninterest income
  • $180Fiduciary activities
  • $0Service charges on deposit accounts
  • $126Trading account gains & fees
  • $0Additional noninterest income
  • $54Total noninterest expense
  • $1,569Salaries and employee benefits
  • $945Premises and equipment expense
  • $168Additional noninterest expense
  • $456Pre-tax net operating income
  • $1,063Securities gains (losses)
  • $0Applicable income taxes
  • $236Income before extraordinary items
  • $827Extraordinary gains - net
  • $0Net income attributable to bank
  • $827Net charge-offs
  • $27Cash dividends
  • $414Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.47%Cost of funding earning assets
  • 3.82%Net interest margin
  • 4.65%Noninterest income to earning assets
  • 0.33%Noninterest expense to earning assets
  • 2.88%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 1.85%Return on equity (ROE)
  • 18.36%Retained earnings to average equity (YTD only)
  • 9.17%Net charge-offs to loans
  • 0.06%Credit loss provision to net charge-offs
  • 311.11%Efficiency ratio
  • 57,769Assets per employee
  • 1.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.06%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 214.83%Noncurrent assets plus other real estate owned to assets
  • 0.48%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 78.36%Net loans and leases to core deposits
  • 94.07%Equity capital to assets
  • 7.82%Core capital (leverage) ratio
  • 7.60%Tier 1 risk-based capital ratio
  • 11.50%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $57,510Average earning assets
  • $4,504Average equity
  • $54,506Average loans

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