The First Central National Bank of St. Paris in St. Paris, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First Central National Bank of St. Paris - Overview

  • General
  • FDIC Certificate #: 15214
    Status: Active
    Federal Reserve ID: 538222
    Bank Holding Company (Regulatory Top Holder): Central Bancshares, Inc. (RSSDID: 2024318, Location: Saint Paris, OH)
    Date Established: August 08, 1880
    WWW: http://www.firststparis.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 9570
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 103 South Springfield, St. Paris, OH 43072
    County: Champaign
    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
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Urbana, OH (#46500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $79.4 mil
    Equity capital: $13.4 mil
    Deposits held in domestic offices: $65.2 mil
    Return on assets (ROA): 0.70% ($0.6 mil)
    Quarterly return on assets: 0.73% ($0.6 mil)
    Return on Equity (ROE): 4.17% ($0.5 mil)
    Quarterly return on equity: 4.32% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.90% ($715.0 mil)
    Quarterly Pretax return on assets: 0.96% ($762.7 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, 2011)

  • Dollar figures in thousands
  • 25Total employees (full-time equivalent)
  • $79,448Total assets
  • $16,482Cash and due from depository institutions
  • $13,533Interest-bearing balances
  • $12,172Securities
  • $308Federal funds sold & reverse repurchase agreements
  • $46,484Net loans & leases
  • $564Loan loss allowance
  • $0Trading account assets
  • $730Bank premises and fixed assets
  • $84Other real estate owned
  • $0Goodwill and other intangibles
  • $79,448Life insurance assets
  • $3,188All other assets
  • $66,012Total liabilities and capital
  • $65,205Total liabilities
  • $54,691Total deposits
  • $65,205Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $807Subordinated debt
  • $13,436All other liabilities
  • $13,436Total equity capital
  • $13,436Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $11,436Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $675Income earned, not collected on loans
  • $0Earning assets
  • $406Long-term assets (5+ years)
  • $72,497Average Assets, year-to-date
  • $27,339Average Assets, quarterly
  • $79,248Volatile liabilities
  • $78,980Insider loans
  • $48,181FHLB advances
  • $79,651Loans and leases held for sale
  • $1,934Unused loan commitments
  • $1,934Tier 1 (core) risk-based capital
  • $13,310Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,562Restructured Loans and leases
  • $1,184Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,201Total interest income
  • $582Total interest expense
  • $2,619Net interest income
  • $130Provision for loan and lease losses
  • $365Total noninterest income
  • $0Fiduciary activities
  • $191Service charges on deposit accounts
  • $0Trading account gains & fees
  • $174Additional noninterest income
  • $2,144Total noninterest expense
  • $1,140Salaries and employee benefits
  • $116Premises and equipment expense
  • $888Additional noninterest expense
  • $710Pre-tax net operating income
  • $0Securities gains (losses)
  • $158Applicable income taxes
  • $552Income before extraordinary items
  • $0Extraordinary gains - net
  • $552Net income attributable to bank
  • $0Net charge-offs
  • $552Cash dividends
  • $94Sale, conversion, retirement of capital stock, net
  • $165Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 4.17%Return on equity (ROE)
  • 2.92%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 138.30%Credit loss provision to net charge-offs
  • 8.94%Efficiency ratio
  • 71,850Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.89%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 83.56%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 71.29%Net loans and leases to core deposits
  • 72.78%Equity capital to assets
  • 16.91%Core capital (leverage) ratio
  • 16.71%Tier 1 risk-based capital ratio
  • 27.62%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $79,248Average earning assets
  • $13,251Average equity
  • $72,886Average loans

List of branches

  • 4 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09570The First Central National Bank Of S103 South Springfield, St. Paris, OH 43072August 08, 1880Full Service Brick and Mortar
    1233357Rosewood BranchMain Square, Rosewood, OH 43070July 01, 1964Full Service Brick and Mortar
    3233359West Branch272 West Main Street, St. Paris, OH 43072May 15, 1984Full Service Brick and Mortar
    4184978Christiansburg BranchTwo East Pike Street, Christiansburg, OH 45389September 14, 1993Full Service Brick and Mortar

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