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

This bank is inactive as of October 08, 2004

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

  • General
  • FDIC Certificate #: 6697
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Citizens Bank (#2072)
    Federal Reserve ID: 484123
    Date Established: January 01, 1872
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    OTS Docket #: 10040
    FDIC's unique #: 4487
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 08, 2004
    Last Structure Change Process Date: December 01, 2004
    Last Data Update: December 01, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 60 West Main Street, Shelby, OH 44875
    County: Richland
    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): Mansfield, OH (#4800)
    Combined Statistical Area (CSA): Mansfield-Bucyrus, OH (#360)
    Core Based Statistical Area (CBSA): Mansfield, OH (#31900)
    CBSA Metro Statistical Area: Mansfield, OH (#31900)
  • Financial Summary
  • Total assets: $194.6 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, 2003)

  • Dollar figures in thousands
  • 78Total employees (full-time equivalent)
  • $214,840Total assets
  • $6,597Cash and due from depository institutions
  • $101Interest-bearing balances
  • $48,642Securities
  • $41,584Federal funds sold & reverse repurchase agreements
  • $107,601Net loans & leases
  • $3,834Loan loss allowance
  • $0Trading account assets
  • $1,924Bank premises and fixed assets
  • $0Other real estate owned
  • $1,980Goodwill and other intangibles
  • $0Life insurance assets
  • $6,512All other assets
  • $214,840Total liabilities and capital
  • $196,416Total liabilities
  • $188,893Total deposits
  • $160,839Interest-bearing deposits
  • $188,893Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $5,786Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,323Other borrowed funds
  • $0Subordinated debt
  • $414All other liabilities
  • $18,424Total equity capital
  • $18,424Total bank equity capital
  • $18,424Perpetual preferred stock
  • $0Common stock
  • $5,000Surplus
  • $7,000Undivided profits
  • Memoranda
  • $6,424Noncurrent loans and leases
  • $12,869Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,917Earning assets
  • $0Long-term assets (5+ years)
  • $1,264Average Assets, year-to-date
  • $197,928Average Assets, quarterly
  • $39,888Volatile liabilities
  • $223,275Insider loans
  • $216,711FHLB advances
  • $32,106Loans and leases held for sale
  • $3,400Unused loan commitments
  • $1,323Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $447Total risk weighted assets
  • $12,869Total unused commitments
  • $0Restructured Loans and leases
  • $1,564Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $12,902Total interest income
  • $3,832Total interest expense
  • $9,070Net interest income
  • $6,800Provision for loan and lease losses
  • $1,316Total noninterest income
  • $0Fiduciary activities
  • $748Service charges on deposit accounts
  • $0Trading account gains & fees
  • $568Additional noninterest income
  • $7,790Total noninterest expense
  • $3,308Salaries and employee benefits
  • $562Premises and equipment expense
  • $3,920Additional noninterest expense
  • -$4,204Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,445Applicable income taxes
  • -$2,759Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,759Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $6,487Sale, conversion, retirement of capital stock, net
  • $300Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.25%Yield on earning assets
  • 1.86%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • -1.24%Net operating income to assets
  • -1.24%Return on assets (ROA)
  • -1.88%Pretax return on assets
  • -13.70%Return on equity (ROE)
  • -15.18%Retained earnings to average equity (YTD only)
  • 4.90%Net charge-offs to loans
  • 104.83%Credit loss provision to net charge-offs
  • 0.40%Efficiency ratio
  • 73,031Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -10.87%Loss allowance to loans
  • 3.44%Loss allowance to noncurrent loans
  • 48.43%Noncurrent assets plus other real estate owned to assets
  • 3.69%Noncurrent loans to loans
  • 7.10%Net loans and leases to deposits
  • 56.96%Net loans and leases to core deposits
  • 66.13%Equity capital to assets
  • 8.58%Core capital (leverage) ratio
  • 7.51%Tier 1 risk-based capital ratio
  • 13.15%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $223,275Average earning assets
  • $20,145Average equity
  • $206,536Average loans

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