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

The First National Bank of Pandora - Overview

  • General
  • FDIC Certificate #: 6671
    Status: Active
    Federal Reserve ID: 571920
    Bank Holding Company (Regulatory Top Holder): Pandora Bancshares, Incorporated (RSSDID: 1139149, Location: Pandora, OH)
    Date Established: June 21, 1919
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10937
    FDIC's unique #: 4469
    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: Commercial Lending Specialization
    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: 102 East Main Street, Pandora, OH 45877
    County: Putnam
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $132.1 mil
    Equity capital: $11.9 mil
    Deposits held in domestic offices: $111.3 mil
    Return on assets (ROA): 0.59% ($0.8 mil)
    Quarterly return on assets: 0.63% ($0.8 mil)
    Return on Equity (ROE): 6.63% ($0.8 mil)
    Quarterly return on equity: 6.85% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.79% ($1,043.6 mil)
    Quarterly Pretax return on assets: 0.86% ($1,136.0 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
  • 39Total employees (full-time equivalent)
  • $132,098Total assets
  • $7,340Cash and due from depository institutions
  • $4,078Interest-bearing balances
  • $39,080Securities
  • $2,642Federal funds sold & reverse repurchase agreements
  • $74,137Net loans & leases
  • $1,244Loan loss allowance
  • $0Trading account assets
  • $3,316Bank premises and fixed assets
  • $29Other real estate owned
  • $485Goodwill and other intangibles
  • $132,098Life insurance assets
  • $5,069All other assets
  • $120,170Total liabilities and capital
  • $111,324Total liabilities
  • $95,096Total deposits
  • $111,324Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,564Trading liabilities
  • $0Other borrowed funds
  • $1,282Subordinated debt
  • $11,928All other liabilities
  • $11,928Total equity capital
  • $11,928Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,835Surplus
  • $9,093Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $87Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,486Income earned, not collected on loans
  • $0Earning assets
  • $674Long-term assets (5+ years)
  • $119,937Average Assets, year-to-date
  • $16,048Average Assets, quarterly
  • $128,333Volatile liabilities
  • $129,041Insider loans
  • $87,725FHLB advances
  • $131,224Loans and leases held for sale
  • $2,958Unused loan commitments
  • $2,958Tier 1 (core) risk-based capital
  • $11,313Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,579Restructured Loans and leases
  • $106Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,454Total interest income
  • $1,076Total interest expense
  • $4,378Net interest income
  • $225Provision for loan and lease losses
  • $995Total noninterest income
  • $0Fiduciary activities
  • $240Service charges on deposit accounts
  • $0Trading account gains & fees
  • $755Additional noninterest income
  • $4,191Total noninterest expense
  • $2,097Salaries and employee benefits
  • $352Premises and equipment expense
  • $1,742Additional noninterest expense
  • $957Pre-tax net operating income
  • $63Securities gains (losses)
  • $263Applicable income taxes
  • $757Income before extraordinary items
  • $0Extraordinary gains - net
  • $757Net income attributable to bank
  • $0Net charge-offs
  • $757Cash dividends
  • $175Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.74%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 6.63%Return on equity (ROE)
  • 6.63%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 128.57%Credit loss provision to net charge-offs
  • 6.75%Efficiency ratio
  • 78,001Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 83.71%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 1.97%Net loans and leases to deposits
  • 66.60%Net loans and leases to core deposits
  • 69.76%Equity capital to assets
  • 9.03%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 12.90%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $128,333Average earning assets
  • $11,421Average equity
  • $116,906Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04469The First National Bank Of Pandora102 East Main Street, Pandora, OH 45877June 21, 1919Full Service Brick and Mortar
    1211823Bluffton Ohio Branch112 Cherry Street, Bluffton, OH 45817August 20, 1990Full Service Brick and Mortar
    3359442Findlay Branch1630 Tiffin Avenue, Findlay, OH 45840January 08, 2001Full Service Brick and Mortar

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