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

This bank is inactive as of March 10, 2000

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

  • General
  • FDIC Certificate #: 9445
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Peoples Bank, National Association (#6544)
    Federal Reserve ID: 863719
    Date Established: May 29, 1900
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    OTS Docket #: 10328
    FDIC's unique #: 4380
    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: March 10, 2000
    Last Structure Change Process Date: May 04, 2000
    Last Data Update: May 04, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 415 Main Street, Caldwell, OH 43724
    County: Noble
    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
  • Financial Summary
  • Total assets: $893.7 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 301Total employees (full-time equivalent)
  • $893,746Total assets
  • $37,157Cash and due from depository institutions
  • $106Interest-bearing balances
  • $273,096Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $541,751Net loans & leases
  • $8,623Loan loss allowance
  • $0Trading account assets
  • $12,313Bank premises and fixed assets
  • $26Other real estate owned
  • $13,921Goodwill and other intangibles
  • $0Life insurance assets
  • $15,482All other assets
  • $893,746Total liabilities and capital
  • $822,538Total liabilities
  • $607,578Total deposits
  • $531,120Interest-bearing deposits
  • $607,578Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $60,638Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $150,438Other borrowed funds
  • $0Subordinated debt
  • $3,884All other liabilities
  • $71,208Total equity capital
  • $71,208Total bank equity capital
  • $71,208Perpetual preferred stock
  • $0Common stock
  • $1,875Surplus
  • $27,165Undivided profits
  • Memoranda
  • $42,168Noncurrent loans and leases
  • $106,026Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $804Earning assets
  • $0Long-term assets (5+ years)
  • $2,649Average Assets, year-to-date
  • $814,953Average Assets, quarterly
  • $355,190Volatile liabilities
  • $797,614Insider loans
  • $878,291FHLB advances
  • $134,605Loans and leases held for sale
  • $23,432Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,000Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $106,026Total unused commitments
  • $747Restructured Loans and leases
  • $7,685Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $59,758Total interest income
  • $28,109Total interest expense
  • $31,649Net interest income
  • $1,575Provision for loan and lease losses
  • $6,807Total noninterest income
  • $2,634Fiduciary activities
  • $2,780Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,393Additional noninterest income
  • $20,794Total noninterest expense
  • $8,023Salaries and employee benefits
  • $2,976Premises and equipment expense
  • $9,795Additional noninterest expense
  • $16,087Pre-tax net operating income
  • -$104Securities gains (losses)
  • $4,799Applicable income taxes
  • $11,184Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,184Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $780Sale, conversion, retirement of capital stock, net
  • $2,850Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.18%Yield on earning assets
  • 3.85%Cost of funding earning assets
  • 4.33%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 2.85%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 2.00%Pretax return on assets
  • 16.49%Return on equity (ROE)
  • 12.29%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 201.92%Credit loss provision to net charge-offs
  • 22.64%Efficiency ratio
  • 49,001Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.48%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 1072.51%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 89.17%Net loans and leases to core deposits
  • 97.51%Equity capital to assets
  • 7.97%Core capital (leverage) ratio
  • 7.56%Tier 1 risk-based capital ratio
  • 10.74%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $797,614Average earning assets
  • $67,815Average equity
  • $730,305Average loans

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