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

The First National Bank of McConnelsville - Overview

  • General
  • FDIC Certificate #: 6637
    Status: Active
    Federal Reserve ID: 44929
    Bank Holding Company (Regulatory Top Holder): Fnb Shares, Inc. (RSSDID: 1137891, Location: Mcconnelsville, OH)
    Date Established: July 01, 1863
    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: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14205
    FDIC's unique #: 4447
    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: January 20, 2011
    Last Structure Change Process Date: January 28, 2011
    Last Data Update: January 28, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 86 North Kennebec Avenue, Mcconnelsville, OH 43756
    County: Morgan
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $137.6 mil
    Equity capital: $17.2 mil
    Deposits held in domestic offices: $118.6 mil
    Return on assets (ROA): 0.55% ($0.8 mil)
    Quarterly return on assets: 0.35% ($0.5 mil)
    Return on Equity (ROE): 4.64% ($0.8 mil)
    Quarterly return on equity: 2.84% ($0.5 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.80% ($1,100.5 mil)
    Quarterly Pretax return on assets: 0.50% ($687.8 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
  • 64Total employees (full-time equivalent)
  • $137,568Total assets
  • $7,009Cash and due from depository institutions
  • $2,667Interest-bearing balances
  • $33,344Securities
  • $1,307Federal funds sold & reverse repurchase agreements
  • $82,419Net loans & leases
  • $998Loan loss allowance
  • $0Trading account assets
  • $4,027Bank premises and fixed assets
  • $75Other real estate owned
  • $6,360Goodwill and other intangibles
  • $137,568Life insurance assets
  • $3,027All other assets
  • $120,324Total liabilities and capital
  • $118,553Total liabilities
  • $98,545Total deposits
  • $118,553Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,771Subordinated debt
  • $17,244All other liabilities
  • $17,244Total equity capital
  • $17,244Total bank equity capital
  • $0Perpetual preferred stock
  • $855Common stock
  • $9,671Surplus
  • $6,718Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,985Income earned, not collected on loans
  • $0Earning assets
  • $492Long-term assets (5+ years)
  • $119,737Average Assets, year-to-date
  • $39,023Average Assets, quarterly
  • $137,611Volatile liabilities
  • $138,890Insider loans
  • $63,815FHLB advances
  • $134,553Loans and leases held for sale
  • $704Unused loan commitments
  • $704Tier 1 (core) risk-based capital
  • $9,334Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,740Restructured Loans and leases
  • $1,525Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,770Total interest income
  • $1,095Total interest expense
  • $4,675Net interest income
  • $445Provision for loan and lease losses
  • $726Total noninterest income
  • $0Fiduciary activities
  • $428Service charges on deposit accounts
  • $0Trading account gains & fees
  • $298Additional noninterest income
  • $4,500Total noninterest expense
  • $2,337Salaries and employee benefits
  • $627Premises and equipment expense
  • $1,536Additional noninterest expense
  • $456Pre-tax net operating income
  • $643Securities gains (losses)
  • $342Applicable income taxes
  • $757Income before extraordinary items
  • $0Extraordinary gains - net
  • $757Net income attributable to bank
  • $0Net charge-offs
  • $757Cash dividends
  • $100Sale, conversion, retirement of capital stock, net
  • $544Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.76%Noninterest expense to earning assets
  • 0.23%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 4.64%Return on equity (ROE)
  • 1.31%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 445.00%Credit loss provision to net charge-offs
  • 9.01%Efficiency ratio
  • 81,577Assets per employee
  • 2.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.86%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 50.28%Noncurrent assets plus other real estate owned to assets
  • 1.50%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 69.52%Net loans and leases to core deposits
  • 72.80%Equity capital to assets
  • 12.53%Core capital (leverage) ratio
  • 6.94%Tier 1 risk-based capital ratio
  • 14.63%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $137,611Average earning assets
  • $16,307Average equity
  • $119,647Average loans

List of branches

  • 7 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04447The First National Bank Of Mcconnels86 North Kennebec Avenue, Mcconnelsville, OH 43756July 01, 1863Full Service Brick and Mortar
    1211691Stockport Branch1820 Broadway Street, Stockport, OH 43787August 01, 1967Full Service Brick and Mortar
    44047The Junction City Branch107 West Main Street, Junction City, OH 43748October 08, 1908Full Service Brick and Mortar
    5428675Athens Branch1012 East State Street, Athens, OH 45701March 17, 2004Full Service Brick and Mortar
    64375Chesterhill Branch7400 Marion Street, Chesterhill, OH 43728November 28, 1933Full Service Brick and Mortar
    730511 Public Square Branch11 Public Square, Nelsonville, OH 45764January 01, 1910Full Service Brick and Mortar
    8181608Glouster BranchToledo Street, Glouster, OH 45732March 15, 1978Full Service Brick and Mortar

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