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


The First National Bank of Sycamore - Overview

  • General
  • FDIC Certificate #: 6706
    Status: Active
    Federal Reserve ID: 553926
    Bank Holding Company (Regulatory Top Holder): Fnb Bancshares, Inc. (RSSDID: 4226693, Location: Sycamore, OH)
    Date Established: July 01, 1919
    WWW: http://www.fnbsycamore.com
    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)
    FDIC's unique #: 4493
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 141 S Sycamore Ave, Sycamore, OH 44882
    County: Wyandot
    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
  • Change in Location
  • Financial Summary
  • Total assets: $105.7 mil
    Equity capital: $14.5 mil
    Deposits held in domestic offices: $83.9 mil
    Return on assets (ROA): 0.95% ($1.0 mil)
    Quarterly return on assets: 0.78% ($0.8 mil)
    Return on Equity (ROE): 7.03% ($1.1 mil)
    Quarterly return on equity: 5.62% ($0.8 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.95% ($1,003.8 mil)
    Quarterly Pretax return on assets: 0.73% ($771.4 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
  • 25Total employees (full-time equivalent)
  • $105,665Total assets
  • $4,726Cash and due from depository institutions
  • $2,876Interest-bearing balances
  • $43,798Securities
  • $166Federal funds sold & reverse repurchase agreements
  • $51,525Net loans & leases
  • $1,077Loan loss allowance
  • $0Trading account assets
  • $523Bank premises and fixed assets
  • $0Other real estate owned
  • $1,594Goodwill and other intangibles
  • $105,665Life insurance assets
  • $3,333All other assets
  • $91,161Total liabilities and capital
  • $83,941Total liabilities
  • $76,033Total deposits
  • $83,941Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,000Trading liabilities
  • $0Other borrowed funds
  • $1,220Subordinated debt
  • $14,504All other liabilities
  • $14,504Total equity capital
  • $14,504Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $1,200Surplus
  • $12,104Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,301Income earned, not collected on loans
  • $0Earning assets
  • $593Long-term assets (5+ years)
  • $98,365Average Assets, year-to-date
  • $49,843Average Assets, quarterly
  • $102,901Volatile liabilities
  • $105,617Insider loans
  • $52,140FHLB advances
  • $104,615Loans and leases held for sale
  • $1,754Unused loan commitments
  • $1,754Tier 1 (core) risk-based capital
  • $12,498Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,221Restructured Loans and leases
  • $486Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,151Total interest income
  • $761Total interest expense
  • $3,390Net interest income
  • $120Provision for loan and lease losses
  • $330Total noninterest income
  • $0Fiduciary activities
  • $145Service charges on deposit accounts
  • $0Trading account gains & fees
  • $185Additional noninterest income
  • $2,683Total noninterest expense
  • $1,349Salaries and employee benefits
  • $319Premises and equipment expense
  • $1,015Additional noninterest expense
  • $917Pre-tax net operating income
  • $58Securities gains (losses)
  • -$5Applicable income taxes
  • $980Income before extraordinary items
  • $0Extraordinary gains - net
  • $980Net income attributable to bank
  • $0Net charge-offs
  • $980Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $396Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 7.03%Return on equity (ROE)
  • 4.19%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
  • 72,124Assets per employee
  • 4.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.41%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 82.78%Noncurrent assets plus other real estate owned to assets
  • 1.23%Noncurrent loans to loans
  • 2.47%Net loans and leases to deposits
  • 61.38%Net loans and leases to core deposits
  • 67.04%Equity capital to assets
  • 13.73%Core capital (leverage) ratio
  • 11.95%Tier 1 risk-based capital ratio
  • 23.97%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $102,901Average earning assets
  • $13,944Average equity
  • $96,025Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04493The First National Bank Of Sycamore141 S Sycamore Ave, Sycamore, OH 44882July 01, 1919Full Service Brick and Mortar
    1211927Mccutchenville BranchClay Street, Mccutchenville, OH 44844July 12, 1976Full Service Brick and Mortar
    2211525New Riegel Branch10 East Tiffin Street, New Riegel, OH 44853August 01, 1988Full Service Brick and Mortar

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