The First National Bank of McConnelsville in Mcconnelsville, Ohio (OH)



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The First National Bank of McConnelsville routing number info

Table of contents:
The First National Bank of McConnelsville
GeneralFDIC 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
WWW: http://www.first-national.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: 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)64
Total assets$137,568
Cash and due from depository institutions$7,009
Interest-bearing balances$2,667
Securities$33,344
Federal funds sold & reverse repurchase agreements$1,307
Net loans & leases$82,419
Loan loss allowance $998
Trading account assets$0
Bank premises and fixed assets$4,027
Other real estate owned$75
Goodwill and other intangibles$6,360
All other assets$3,027
Life insurance assets$137,568
Total liabilities and capital$120,324
Total liabilities$118,553
Total deposits$98,545
Interest-bearing deposits$118,553
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,771
All other liabilities $17,244
Total equity capital$17,244
Total bank equity capital$17,244
Perpetual preferred stock$0
Common stock$855
Surplus$9,671
Undivided profits $6,718
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 $1,985
Earning assets $0
Long-term assets (5+ years) $492
Average Assets, year-to-date $119,737
Average Assets, quarterly $39,023
Volatile liabilities $137,611
Insider loans $138,890
FHLB advances $63,815
Loans and leases held for sale $134,553
Unused loan commitments $704
Tier 1 (core) risk-based capital $704
Tier 2 risk-based capital $9,334
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $3,740
Derivatives$1,525
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,770
Total interest expense $1,095
Net interest income $4,675
Provision for loan and lease losses $445
Total noninterest income $726
Fiduciary activities $0
Service charges on deposit accounts $428
Trading account gains & fees $0
Additional noninterest income $298
Total noninterest expense $4,500
Salaries and employee benefits $2,337
Premises and equipment expense $627
Additional noninterest expense $1,536
Pre-tax net operating income $456
Securities gains (losses) $643
Applicable income taxes $342
Income before extraordinary items $757
Extraordinary gains - net $0
Net income attributable to bank $757
Net charge-offs $0
Cash dividends $757
Sale, conversion, retirement of capital stock, net $100
Net operating income $544
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.82%
Cost of funding earning assets 0.92%
Net interest margin 3.91%
Noninterest income to earning assets 0.61%
Noninterest expense to earning assets 3.76%
Net operating income to assets 0.23%
Return on assets (ROA) 0.55%
Pretax return on assets 0.80%
Return on equity (ROE) 4.64%
Retained earnings to average equity (YTD only) 1.31%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 445.00%
Efficiency ratio9.01%
Assets per employee$81,577
Cash dividends to net income (YTD only)2.15%
Condition Ratios (%)
Loss allowance to loans 71.86%
Loss allowance to noncurrent loans 1.20%
Noncurrent assets plus other real estate owned to assets 50.28%
Noncurrent loans to loans 1.50%
Net loans and leases to deposits2.38%
Net loans and leases to core deposits 69.52%
Equity capital to assets 72.80%
Core capital (leverage) ratio 12.53%
Tier 1 risk-based capital ratio 6.94%
Total risk-based capital ratio 14.63%
Memoranda
Average assets$16
Average earning assets$137,611
Average equity $16,307
Average loans $119,647
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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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