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


The First National Bank of Bellevue - Overview

  • General
  • FDIC Certificate #: 6528
    Status: Active
    Federal Reserve ID: 243414
    Bank Holding Company (Regulatory Top Holder): First Bancshares Inc. (RSSDID: 1071258, Location: Bellevue, OH)
    Date Established: September 15, 1875
    WWW: http://www.fnblifetime.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: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12939
    FDIC's unique #: 4366
    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: Commercial Lending 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: 120 North Street, Bellevue, OH 44811
    County: Huron
    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): Norwalk, OH (#35940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $134.4 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $117.7 mil
    Return on assets (ROA): 0.68% ($0.9 mil)
    Quarterly return on assets: 1.05% ($1.4 mil)
    Return on Equity (ROE): 7.35% ($1.0 mil)
    Quarterly return on equity: 11.48% ($1.5 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.93% ($1,249.9 mil)
    Quarterly Pretax return on assets: 1.42% ($1,908.4 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
  • 40Total employees (full-time equivalent)
  • $134,393Total assets
  • $4,123Cash and due from depository institutions
  • $0Interest-bearing balances
  • $33,461Securities
  • $5,646Federal funds sold & reverse repurchase agreements
  • $83,231Net loans & leases
  • $1,518Loan loss allowance
  • $0Trading account assets
  • $2,224Bank premises and fixed assets
  • $60Other real estate owned
  • $440Goodwill and other intangibles
  • $134,393Life insurance assets
  • $5,208All other assets
  • $121,890Total liabilities and capital
  • $117,726Total liabilities
  • $101,258Total deposits
  • $117,726Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,987Trading liabilities
  • $0Other borrowed funds
  • $1,177Subordinated debt
  • $12,503All other liabilities
  • $12,503Total equity capital
  • $12,503Total bank equity capital
  • $0Perpetual preferred stock
  • $1,100Common stock
  • $1,100Surplus
  • $10,303Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,308Income earned, not collected on loans
  • $0Earning assets
  • $491Long-term assets (5+ years)
  • $122,338Average Assets, year-to-date
  • $45,464Average Assets, quarterly
  • $128,645Volatile liabilities
  • $134,395Insider loans
  • $99,052FHLB advances
  • $133,974Loans and leases held for sale
  • $2,478Unused loan commitments
  • $1,952Tier 1 (core) risk-based capital
  • $11,335Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $526Total unused commitments
  • $10,832Restructured Loans and leases
  • $1,960Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,838Total interest income
  • $816Total interest expense
  • $5,022Net interest income
  • $538Provision for loan and lease losses
  • $949Total noninterest income
  • $0Fiduciary activities
  • $441Service charges on deposit accounts
  • $0Trading account gains & fees
  • $508Additional noninterest income
  • $4,337Total noninterest expense
  • $2,360Salaries and employee benefits
  • $436Premises and equipment expense
  • $1,541Additional noninterest expense
  • $1,096Pre-tax net operating income
  • $106Securities gains (losses)
  • $333Applicable income taxes
  • $869Income before extraordinary items
  • $0Extraordinary gains - net
  • $869Net income attributable to bank
  • $0Net charge-offs
  • $869Cash dividends
  • $260Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.29%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 7.35%Return on equity (ROE)
  • 7.35%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 206.92%Credit loss provision to net charge-offs
  • 6.28%Efficiency ratio
  • 72,634Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.79%Loss allowance to noncurrent loans
  • 45.89%Noncurrent assets plus other real estate owned to assets
  • 2.51%Noncurrent loans to loans
  • 3.90%Net loans and leases to deposits
  • 70.70%Net loans and leases to core deposits
  • 71.69%Equity capital to assets
  • 9.30%Core capital (leverage) ratio
  • 8.46%Tier 1 risk-based capital ratio
  • 11.44%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $128,645Average earning assets
  • $11,817Average equity
  • $116,970Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04366The First National Bank Of Bellevue120 North Street, Bellevue, OH 44811September 15, 1875Full Service Brick and Mortar
    3210601Catawba Branch200 South East Catawba Road, Port Clinton, OH 43452June 06, 1988Full Service Brick and Mortar
    4210602Put-In-bay Branch180 Erie Street, Put-In-bay, OH 43456April 10, 1991Full Service Brick and Mortar
    5210603Port Clinton Branch117 West Perry Street, Port Clinton, OH 43452November 18, 1996Full Service Brick and Mortar
    6210604Sandusky Branch3410 Venice Road, Sandusky, OH 44870January 30, 1998Full Service Brick and Mortar

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