The First Citizens National Bank of Upper Sandusky in Upper Sandusky, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First Citizens National Bank of Upper Sandusky - Overview

  • General
  • FDIC Certificate #: 14355
    Status: Active
    Federal Reserve ID: 230423
    Date Established: December 01, 1902
    WWW: http://www.firstcitizensnational.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: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 8970
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: May 11, 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: 100 North Sandusky, Upper Sandusky, OH 43351
    County: Wyandot
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $220.2 mil
    Equity capital: $39.0 mil
    Deposits held in domestic offices: $170.7 mil
    Return on assets (ROA): 0.62% ($1.4 mil)
    Quarterly return on assets: 0.94% ($2.1 mil)
    Return on Equity (ROE): 3.54% ($1.4 mil)
    Quarterly return on equity: 5.25% ($2.0 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.75% ($1,651.9 mil)
    Quarterly Pretax return on assets: 1.22% ($2,687.0 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
  • 67Total employees (full-time equivalent)
  • $220,248Total assets
  • $26,384Cash and due from depository institutions
  • $10,159Interest-bearing balances
  • $56,935Securities
  • $4,000Federal funds sold & reverse repurchase agreements
  • $117,107Net loans & leases
  • $1,598Loan loss allowance
  • $0Trading account assets
  • $5,067Bank premises and fixed assets
  • $89Other real estate owned
  • $271Goodwill and other intangibles
  • $220,248Life insurance assets
  • $10,395All other assets
  • $181,202Total liabilities and capital
  • $170,721Total liabilities
  • $130,348Total deposits
  • $170,721Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 7772.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,709Subordinated debt
  • $39,046All other liabilities
  • $39,046Total equity capital
  • $39,046Total bank equity capital
  • $0Perpetual preferred stock
  • $3,208Common stock
  • $3,208Surplus
  • $32,630Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $176Income earned, not collected on loans
  • $0Earning assets
  • $921Long-term assets (5+ years)
  • $188,201Average Assets, year-to-date
  • $29,901Average Assets, quarterly
  • $217,883Volatile liabilities
  • $217,106Insider loans
  • $120,648FHLB advances
  • $220,478Loans and leases held for sale
  • $7,361Unused loan commitments
  • $7,361Tier 1 (core) risk-based capital
  • $38,347Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,193Restructured Loans and leases
  • $7,419Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,982Total interest income
  • $562Total interest expense
  • $7,420Net interest income
  • $59Provision for loan and lease losses
  • $1,354Total noninterest income
  • $0Fiduciary activities
  • $554Service charges on deposit accounts
  • $0Trading account gains & fees
  • $800Additional noninterest income
  • $7,084Total noninterest expense
  • $3,731Salaries and employee benefits
  • $633Premises and equipment expense
  • $2,720Additional noninterest expense
  • $1,631Pre-tax net operating income
  • $0Securities gains (losses)
  • $271Applicable income taxes
  • $1,360Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,360Net income attributable to bank
  • $0Net charge-offs
  • $1,360Cash dividends
  • $327Sale, conversion, retirement of capital stock, net
  • $680Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.18%Yield on earning assets
  • 0.29%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 3.54%Return on equity (ROE)
  • 1.77%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 18.04%Credit loss provision to net charge-offs
  • 5.17%Efficiency ratio
  • 80,739Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.00%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 907.95%Noncurrent assets plus other real estate owned to assets
  • 0.12%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 68.60%Net loans and leases to core deposits
  • 72.63%Equity capital to assets
  • 17.73%Core capital (leverage) ratio
  • 17.39%Tier 1 risk-based capital ratio
  • 31.78%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $217,883Average earning assets
  • $38,463Average equity
  • $190,735Average loans

List of branches

  • 8 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08970The First Citizens National Bank Of100 North Sandusky, Upper Sandusky, OH 43351December 01, 1902Full Service Brick and Mortar
    1231359Dunkirk Branch200 North Main Street, Dunkirk, OH 45836June 25, 1984Full Service Brick and Mortar
    24497Wharton Branch101 West Sandusky Street, Wharton, OH 43359January 01, 1860Full Service Brick and Mortar
    3211934Nevada Deposit Branch301 North Main Street, Nevada, OH 44849June 01, 1953Full Service Brick and Mortar
    4211935Church Street Branch335 West Church Street, Upper Sandusky, OH 43351June 04, 1973Full Service Brick and Mortar
    5231360Carey Branch129 East Findlay Street, Carey, OH 43316October 19, 1992Full Service Brick and Mortar
    6357454Powell Branch9595 Sawmill Parkway, Powell, OH 43065June 26, 2000Full Service Brick and Mortar
    8419747Marion Office Branch1240 Delaware Ave, Marion, OH 43302September 20, 2002Full Service Brick and Mortar

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