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

The First National Bank of Dennison - Overview

  • General
  • FDIC Certificate #: 6574
    Status: Active
    Federal Reserve ID: 935719
    Bank Holding Company (Regulatory Top Holder): Fnb, Inc. (RSSDID: 1417267, Location: Dennison, OH)
    Date Established: October 16, 1933
    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)
    FDIC's unique #: 4401
    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: 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: 105 Grant Street, Dennison, OH 44621
    County: Tuscarawas
    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): New Philadelphia-Dover, OH (#35420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $195.5 mil
    Equity capital: $18.2 mil
    Deposits held in domestic offices: $175.5 mil
    Return on assets (ROA): 0.59% ($1.2 mil)
    Quarterly return on assets: 0.48% ($0.9 mil)
    Return on Equity (ROE): 6.12% ($1.1 mil)
    Quarterly return on equity: 5.16% ($0.9 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.68% ($1,329.3 mil)
    Quarterly Pretax return on assets: 0.59% ($1,153.4 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
  • 66Total employees (full-time equivalent)
  • $195,490Total assets
  • $10,294Cash and due from depository institutions
  • $0Interest-bearing balances
  • $71,409Securities
  • $4,455Federal funds sold & reverse repurchase agreements
  • $100,269Net loans & leases
  • $1,987Loan loss allowance
  • $0Trading account assets
  • $3,689Bank premises and fixed assets
  • $0Other real estate owned
  • $277Goodwill and other intangibles
  • $195,490Life insurance assets
  • $5,097All other assets
  • $177,291Total liabilities and capital
  • $175,544Total liabilities
  • $146,450Total deposits
  • $175,544Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,747Subordinated debt
  • $18,199All other liabilities
  • $18,199Total equity capital
  • $18,199Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,930Surplus
  • $15,269Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $272Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $489Income earned, not collected on loans
  • $0Earning assets
  • $613Long-term assets (5+ years)
  • $176,133Average Assets, year-to-date
  • $17,936Average Assets, quarterly
  • $187,207Volatile liabilities
  • $195,109Insider loans
  • $113,471FHLB advances
  • $193,563Loans and leases held for sale
  • $3,470Unused loan commitments
  • $2,505Tier 1 (core) risk-based capital
  • $18,119Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $965Total unused commitments
  • $17,743Restructured Loans and leases
  • $1,549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,977Total interest income
  • $1,034Total interest expense
  • $5,943Net interest income
  • $65Provision for loan and lease losses
  • $1,092Total noninterest income
  • $0Fiduciary activities
  • $462Service charges on deposit accounts
  • $0Trading account gains & fees
  • $630Additional noninterest income
  • $5,688Total noninterest expense
  • $3,113Salaries and employee benefits
  • $867Premises and equipment expense
  • $1,708Additional noninterest expense
  • $1,282Pre-tax net operating income
  • $0Securities gains (losses)
  • $178Applicable income taxes
  • $1,104Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,104Net income attributable to bank
  • $0Net charge-offs
  • $1,104Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $740Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.11%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 6.12%Return on equity (ROE)
  • 2.02%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 209.68%Credit loss provision to net charge-offs
  • 43.45%Efficiency ratio
  • 80,853Assets per employee
  • 2.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.03%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 406.34%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 57.12%Net loans and leases to core deposits
  • 58.25%Equity capital to assets
  • 9.31%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 15.97%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $187,207Average earning assets
  • $18,030Average equity
  • $169,748Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04401The First National Bank Of Dennison105 Grant Street, Dennison, OH 44621October 16, 1933Full Service Brick and Mortar
    1211500Boulevard Branch824 Boulevard, Dover, OH 44622December 16, 1985Full Service Brick and Mortar
    2303Gnadenhutten Branch130 North Walnut Street, Gnadenhutten, OH 44629August 01, 1923Full Service Brick and Mortar
    3211501Southside Branch706 South Broadway, New Philadelphia, OH 44663August 30, 1996Full Service Brick and Mortar
    4363665Schoenbrunn Branch2046 East High Avenue, New Philadelphia, OH 44663May 01, 2002Full Service Brick and Mortar

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