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

  • The First National Bank of Blanchester in Blanchester, Ohio (OH)
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The First National Bank of Blanchester - Overview

  • General
  • FDIC Certificate #: 6530
    Status: Active
    Federal Reserve ID: 735414
    Bank Holding Company (Regulatory Top Holder): First Blanchester Bancshares, Inc. (RSSDID: 1859193, Location: Blanchester, OH)
    Date Established: March 08, 1907
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 4368
    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: Mortgage 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: 121 East Main Street, Blanchester, OH 45107
    County: Clinton
    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): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Wilmington, OH (#48940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.2 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $45.1 mil
    Return on assets (ROA): 0.94% ($0.5 mil)
    Quarterly return on assets: 0.94% ($0.5 mil)
    Return on Equity (ROE): 7.41% ($0.5 mil)
    Quarterly return on equity: 7.44% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.37% ($715.6 mil)
    Quarterly Pretax return on assets: 1.37% ($715.6 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
  • 19Total employees (full-time equivalent)
  • $52,230Total assets
  • $2,338Cash and due from depository institutions
  • $604Interest-bearing balances
  • $10,330Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $36,122Net loans & leases
  • $152Loan loss allowance
  • $0Trading account assets
  • $966Bank premises and fixed assets
  • $0Other real estate owned
  • $506Goodwill and other intangibles
  • $52,230Life insurance assets
  • $1,968All other assets
  • $45,620Total liabilities and capital
  • $45,147Total liabilities
  • $41,464Total deposits
  • $45,147Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 95.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $378Subordinated debt
  • $6,610All other liabilities
  • $6,610Total equity capital
  • $6,610Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,060Surplus
  • $4,350Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $81Income earned, not collected on loans
  • $0Earning assets
  • $199Long-term assets (5+ years)
  • $47,056Average Assets, year-to-date
  • $29,049Average Assets, quarterly
  • $52,177Volatile liabilities
  • $52,841Insider loans
  • $32,883FHLB advances
  • $52,571Loans and leases held for sale
  • $1,346Unused loan commitments
  • $1,346Tier 1 (core) risk-based capital
  • $6,104Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,146Restructured Loans and leases
  • $1,020Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,286Total interest income
  • $260Total interest expense
  • $2,026Net interest income
  • $24Provision for loan and lease losses
  • $427Total noninterest income
  • $0Fiduciary activities
  • $280Service charges on deposit accounts
  • $0Trading account gains & fees
  • $147Additional noninterest income
  • $1,715Total noninterest expense
  • $776Salaries and employee benefits
  • $154Premises and equipment expense
  • $785Additional noninterest expense
  • $714Pre-tax net operating income
  • $0Securities gains (losses)
  • $222Applicable income taxes
  • $492Income before extraordinary items
  • $0Extraordinary gains - net
  • $492Net income attributable to bank
  • $0Net charge-offs
  • $492Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $455Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 4.32%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 7.41%Return on equity (ROE)
  • 0.56%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 30.75%Efficiency ratio
  • 65,512Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.48%Loss allowance to loans
  • 0.42%Loss allowance to noncurrent loans
  • 187.65%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 80.01%Net loans and leases to core deposits
  • 84.69%Equity capital to assets
  • 12.66%Core capital (leverage) ratio
  • 11.61%Tier 1 risk-based capital ratio
  • 18.56%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $52,177Average earning assets
  • $6,642Average equity
  • $46,901Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04368The First National Bank Of Blanchest121 East Main Street, Blanchester, OH 45107March 08, 1907Full Service Brick and Mortar

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