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


The First National Bank of Powhatan Point - Overview

  • General
  • FDIC Certificate #: 13567
    Status: Active
    Federal Reserve ID: 138725
    Bank Holding Company (Regulatory Top Holder): Powhatan Point Community Bancshares, Inc. (RSSDID: 2183886, Location: Powhatan Point, OH)
    Date Established: March 09, 1905
    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 #: 14496
    FDIC's unique #: 8482
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 06, 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: 345 Highway 7 North, Powhatan Point, OH 43942
    County: Belmont
    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): Wheeling, WV-OH (#9000)
    Core Based Statistical Area (CBSA): Wheeling, WV-OH (#48540)
    CBSA Metro Statistical Area: Wheeling, WV-OH (#48540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $29.1 mil
    Equity capital: $3.0 mil
    Deposits held in domestic offices: $25.9 mil
    Return on assets (ROA): 0.77% ($0.2 mil)
    Quarterly return on assets: 0.15% ($0.0 mil)
    Return on Equity (ROE): 6.68% ($0.2 mil)
    Quarterly return on equity: 1.29% ($0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.76% ($221.5 mil)
    Quarterly Pretax return on assets: 0.00% ($0.0 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
  • 9Total employees (full-time equivalent)
  • $29,143Total assets
  • $4,861Cash and due from depository institutions
  • $700Interest-bearing balances
  • $13,457Securities
  • $817Federal funds sold & reverse repurchase agreements
  • $8,712Net loans & leases
  • $169Loan loss allowance
  • $0Trading account assets
  • $523Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,143Life insurance assets
  • $773All other assets
  • $26,109Total liabilities and capital
  • $25,925Total liabilities
  • $18,488Total deposits
  • $25,925Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $184Subordinated debt
  • $3,034All other liabilities
  • $3,034Total equity capital
  • $3,034Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $200Surplus
  • $2,634Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $97Long-term assets (5+ years)
  • $23,686Average Assets, year-to-date
  • $7,340Average Assets, quarterly
  • $26,071Volatile liabilities
  • $27,582Insider loans
  • $12,373FHLB advances
  • $27,123Loans and leases held for sale
  • $501Unused loan commitments
  • $501Tier 1 (core) risk-based capital
  • $2,855Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $679Restructured Loans and leases
  • $1,196Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $900Total interest income
  • $148Total interest expense
  • $752Net interest income
  • $5Provision for loan and lease losses
  • $117Total noninterest income
  • $0Fiduciary activities
  • $43Service charges on deposit accounts
  • $0Trading account gains & fees
  • $74Additional noninterest income
  • $669Total noninterest expense
  • $317Salaries and employee benefits
  • $94Premises and equipment expense
  • $258Additional noninterest expense
  • $195Pre-tax net operating income
  • $3Securities gains (losses)
  • -$4Applicable income taxes
  • $202Income before extraordinary items
  • $0Extraordinary gains - net
  • $202Net income attributable to bank
  • $0Net charge-offs
  • $202Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $173Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 6.68%Return on equity (ROE)
  • 0.96%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 76,985Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.64%Loss allowance to loans
  • 1.90%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 33.60%Net loans and leases to core deposits
  • 34.36%Equity capital to assets
  • 10.41%Core capital (leverage) ratio
  • 10.53%Tier 1 risk-based capital ratio
  • 23.07%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $26,071Average earning assets
  • $3,023Average equity
  • $22,536Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08482The First National Bank Of Powhatan345 Highway 7 North, Powhatan Point, OH 43942March 09, 1905Full Service Brick and Mortar

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