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



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The First National Bank of Blanchester routing number info

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The First National Bank of Blanchester
GeneralFDIC 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
WWW: http://www.fnbblanchester.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: 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)19
Total assets$52,230
Cash and due from depository institutions$2,338
Interest-bearing balances$604
Securities$10,330
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$36,122
Loan loss allowance $152
Trading account assets$0
Bank premises and fixed assets$966
Other real estate owned$0
Goodwill and other intangibles$506
All other assets$1,968
Life insurance assets$52,230
Total liabilities and capital$45,620
Total liabilities$45,147
Total deposits$41,464
Interest-bearing deposits$45,147
Deposits held in domestic offices$95
% insured (estimated)95.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $378
All other liabilities $6,610
Total equity capital$6,610
Total bank equity capital$6,610
Perpetual preferred stock$0
Common stock$200
Surplus$2,060
Undivided profits $4,350
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $81
Earning assets $0
Long-term assets (5+ years) $199
Average Assets, year-to-date $47,056
Average Assets, quarterly $29,049
Volatile liabilities $52,177
Insider loans $52,841
FHLB advances $32,883
Loans and leases held for sale $52,571
Unused loan commitments $1,346
Tier 1 (core) risk-based capital $1,346
Tier 2 risk-based capital $6,104
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,146
Derivatives$1,020
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,286
Total interest expense $260
Net interest income $2,026
Provision for loan and lease losses $24
Total noninterest income $427
Fiduciary activities $0
Service charges on deposit accounts $280
Trading account gains & fees $0
Additional noninterest income $147
Total noninterest expense $1,715
Salaries and employee benefits $776
Premises and equipment expense $154
Additional noninterest expense $785
Pre-tax net operating income $714
Securities gains (losses) $0
Applicable income taxes $222
Income before extraordinary items $492
Extraordinary gains - net $0
Net income attributable to bank $492
Net charge-offs $0
Cash dividends $492
Sale, conversion, retirement of capital stock, net $24
Net operating income $455
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.87%
Cost of funding earning assets 0.55%
Net interest margin 4.32%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 3.66%
Net operating income to assets 0.94%
Return on assets (ROA) 0.94%
Pretax return on assets 1.37%
Return on equity (ROE) 7.41%
Retained earnings to average equity (YTD only) 0.56%
Net charge-offs to loans 0.07%
Credit loss provision to net charge-offs 100.00%
Efficiency ratio30.75%
Assets per employee$65,512
Cash dividends to net income (YTD only)2.75%
Condition Ratios (%)
Loss allowance to loans 92.48%
Loss allowance to noncurrent loans 0.42%
Noncurrent assets plus other real estate owned to assets 187.65%
Noncurrent loans to loans 0.16%
Net loans and leases to deposits0.22%
Net loans and leases to core deposits 80.01%
Equity capital to assets 84.69%
Core capital (leverage) ratio 12.66%
Tier 1 risk-based capital ratio 11.61%
Total risk-based capital ratio 18.56%
Memoranda
Average assets$19
Average earning assets$52,177
Average equity $6,642
Average loans $46,901
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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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