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


The First National Bank of Germantown - Overview

  • General
  • FDIC Certificate #: 6592
    Status: Active
    Federal Reserve ID: 505916
    Date Established: September 19, 1863
    WWW: http://www.fnbgermantown.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)
    OTS Docket #: 16130
    FDIC's unique #: 4415
    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: 17 North Main Street, Germantown, OH 45327
    County: Montgomery
    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
    Metropolitan Statistical Area (MSA): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $52.1 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $44.2 mil
    Return on assets (ROA): -0.47% (-$0.2 mil)
    Quarterly return on assets: 0.45% ($0.2 mil)
    Return on Equity (ROE): -7.16% (-$0.3 mil)
    Quarterly return on equity: 6.17% ($0.2 mil)
    Net income: -$0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.47% (-$244.8 mil)
    Quarterly Pretax return on assets: 0.45% ($234.4 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
  • 12Total employees (full-time equivalent)
  • $52,094Total assets
  • $11,748Cash and due from depository institutions
  • $1,240Interest-bearing balances
  • $7,619Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,898Net loans & leases
  • $582Loan loss allowance
  • $0Trading account assets
  • $498Bank premises and fixed assets
  • $492Other real estate owned
  • $0Goodwill and other intangibles
  • $52,094Life insurance assets
  • $839All other assets
  • $47,900Total liabilities and capital
  • $44,186Total liabilities
  • $39,680Total deposits
  • $44,186Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,570Trading liabilities
  • $0Other borrowed funds
  • $144Subordinated debt
  • $4,194All other liabilities
  • $4,194Total equity capital
  • $4,194Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $1,214Surplus
  • $2,605Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,115Income earned, not collected on loans
  • $0Earning assets
  • $133Long-term assets (5+ years)
  • $39,757Average Assets, year-to-date
  • $14,808Average Assets, quarterly
  • $53,914Volatile liabilities
  • $51,731Insider loans
  • $28,780FHLB advances
  • $51,566Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,956Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,910Restructured Loans and leases
  • $200Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,171Total interest income
  • $376Total interest expense
  • $1,795Net interest income
  • $294Provision for loan and lease losses
  • $423Total noninterest income
  • $0Fiduciary activities
  • $209Service charges on deposit accounts
  • $0Trading account gains & fees
  • $214Additional noninterest income
  • $2,239Total noninterest expense
  • $844Salaries and employee benefits
  • $207Premises and equipment expense
  • $1,188Additional noninterest expense
  • -$315Pre-tax net operating income
  • $59Securities gains (losses)
  • $0Applicable income taxes
  • -$256Income before extraordinary items
  • $0Extraordinary gains - net
  • -$256Net income attributable to bank
  • $0Net charge-offs
  • -$256Cash dividends
  • $468Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.25%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 5.30%Noninterest expense to earning assets
  • -0.58%Net operating income to assets
  • -0.47%Return on assets (ROA)
  • -0.47%Pretax return on assets
  • -7.16%Return on equity (ROE)
  • -7.16%Retained earnings to average equity (YTD only)
  • 1.38%Net charge-offs to loans
  • 62.82%Credit loss provision to net charge-offs
  • -0.04%Efficiency ratio
  • 100,947Assets per employee
  • 4.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.85%Loss allowance to noncurrent loans
  • 52.20%Noncurrent assets plus other real estate owned to assets
  • 3.08%Noncurrent loans to loans
  • 3.54%Net loans and leases to deposits
  • 69.93%Net loans and leases to core deposits
  • 71.53%Equity capital to assets
  • 8.05%Core capital (leverage) ratio
  • 7.67%Tier 1 risk-based capital ratio
  • 13.75%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $53,914Average earning assets
  • $3,576Average equity
  • $42,225Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04415The First National Bank Of Germantow17 North Main Street, Germantown, OH 45327September 19, 1863Full Service Brick and Mortar

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