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

This bank is inactive as of October 03, 2008

  • The First National Bank of Nelsonville in Nelsonville, Ohio (OH)
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The First National Bank of Nelsonville - Overview

  • General
  • FDIC Certificate #: 398
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The First National Bank of McConnelsville (#6637)
    Federal Reserve ID: 201124
    Date Established: January 01, 1910
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 14605
    FDIC's unique #: 305
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 03, 2008
    Last Structure Change Process Date: December 03, 2008
    Last Data Update: December 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 11 Public Square, Nelsonville, OH 45764
    County: Athens
    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): Athens, OH (#11900)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $54.7 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, 2007)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $51,816Total assets
  • $1,901Cash and due from depository institutions
  • $0Interest-bearing balances
  • $2,359Securities
  • $10Federal funds sold & reverse repurchase agreements
  • $45,439Net loans & leases
  • $132Loan loss allowance
  • $0Trading account assets
  • $721Bank premises and fixed assets
  • $4Other real estate owned
  • $0Goodwill and other intangibles
  • $590Life insurance assets
  • $1,382All other assets
  • $51,816Total liabilities and capital
  • $47,893Total liabilities
  • $46,667Total deposits
  • $41,602Interest-bearing deposits
  • $46,667Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $917Other borrowed funds
  • $0Subordinated debt
  • $309All other liabilities
  • $3,923Total equity capital
  • $3,923Total bank equity capital
  • $3,923Perpetual preferred stock
  • $0Common stock
  • $250Surplus
  • $250Undivided profits
  • Memoranda
  • $3,423Noncurrent loans and leases
  • $1,686Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $615Earning assets
  • $0Long-term assets (5+ years)
  • $220Average Assets, year-to-date
  • $47,808Average Assets, quarterly
  • $10,498Volatile liabilities
  • $53,825Insider loans
  • $52,230FHLB advances
  • $8,294Loans and leases held for sale
  • $1,872Unused loan commitments
  • $917Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,686Total unused commitments
  • $0Restructured Loans and leases
  • $132Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $3,347Total interest income
  • $1,410Total interest expense
  • $1,937Net interest income
  • $50Provision for loan and lease losses
  • $501Total noninterest income
  • $0Fiduciary activities
  • $384Service charges on deposit accounts
  • $0Trading account gains & fees
  • $117Additional noninterest income
  • $1,952Total noninterest expense
  • $995Salaries and employee benefits
  • $260Premises and equipment expense
  • $697Additional noninterest expense
  • $436Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $436Income before extraordinary items
  • $0Extraordinary gains - net
  • $436Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $29Sale, conversion, retirement of capital stock, net
  • $378Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.73%Yield on earning assets
  • 2.84%Cost of funding earning assets
  • 3.90%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 3.93%Noninterest expense to earning assets
  • 0.81%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 11.18%Return on equity (ROE)
  • 1.49%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 172.41%Credit loss provision to net charge-offs
  • 16.76%Efficiency ratio
  • 80,066Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.70%Loss allowance to loans
  • 0.29%Loss allowance to noncurrent loans
  • 21.46%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 97.37%Net loans and leases to core deposits
  • 118.41%Equity capital to assets
  • 7.57%Core capital (leverage) ratio
  • 7.42%Tier 1 risk-based capital ratio
  • 13.94%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $53,825Average earning assets
  • $3,899Average equity
  • $49,711Average loans

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