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

The First National Bank of Waverly - Overview

  • General
  • FDIC Certificate #: 6725
    Status: Active
    Federal Reserve ID: 263627
    Bank Holding Company (Regulatory Top Holder): Central Ohio Bancorp (RSSDID: 3015612, Location: Waverly, OH)
    Date Established: January 01, 1901
    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: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 4507
    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: 107 North Market, Waverly, OH 45690
    County: Pike
    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: $152.5 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $135.2 mil
    Return on assets (ROA): 0.96% ($1.5 mil)
    Quarterly return on assets: 1.07% ($1.6 mil)
    Return on Equity (ROE): 9.82% ($1.5 mil)
    Quarterly return on equity: 10.87% ($1.6 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.30% ($1,982.9 mil)
    Quarterly Pretax return on assets: 1.44% ($2,196.4 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
  • 44Total employees (full-time equivalent)
  • $152,529Total assets
  • $29,475Cash and due from depository institutions
  • $26,222Interest-bearing balances
  • $16,093Securities
  • $5,394Federal funds sold & reverse repurchase agreements
  • $88,733Net loans & leases
  • $708Loan loss allowance
  • $0Trading account assets
  • $1,410Bank premises and fixed assets
  • $108Other real estate owned
  • $0Goodwill and other intangibles
  • $152,529Life insurance assets
  • $11,316All other assets
  • $137,578Total liabilities and capital
  • $135,245Total liabilities
  • $107,055Total deposits
  • $135,245Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,333Subordinated debt
  • $14,951All other liabilities
  • $14,951Total equity capital
  • $14,951Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $2,500Surplus
  • $9,951Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,871Income earned, not collected on loans
  • $0Earning assets
  • $344Long-term assets (5+ years)
  • $136,442Average Assets, year-to-date
  • $28,389Average Assets, quarterly
  • $150,642Volatile liabilities
  • $151,341Insider loans
  • $95,279FHLB advances
  • $151,062Loans and leases held for sale
  • $7,362Unused loan commitments
  • $6,539Tier 1 (core) risk-based capital
  • $14,136Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $823Total unused commitments
  • $10,517Restructured Loans and leases
  • $5,289Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,099Total interest income
  • $679Total interest expense
  • $5,420Net interest income
  • $131Provision for loan and lease losses
  • $1,019Total noninterest income
  • $0Fiduciary activities
  • $374Service charges on deposit accounts
  • $0Trading account gains & fees
  • $645Additional noninterest income
  • $4,348Total noninterest expense
  • $2,285Salaries and employee benefits
  • $307Premises and equipment expense
  • $1,756Additional noninterest expense
  • $1,960Pre-tax net operating income
  • $0Securities gains (losses)
  • $513Applicable income taxes
  • $1,447Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,447Net income attributable to bank
  • $0Net charge-offs
  • $1,447Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $1,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 9.82%Return on equity (ROE)
  • 2.69%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 108.26%Credit loss provision to net charge-offs
  • 17.28%Efficiency ratio
  • 67,526Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.56%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 37.84%Noncurrent assets plus other real estate owned to assets
  • 1.30%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 65.61%Net loans and leases to core deposits
  • 70.11%Equity capital to assets
  • 9.80%Core capital (leverage) ratio
  • 9.36%Tier 1 risk-based capital ratio
  • 14.84%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $150,642Average earning assets
  • $14,733Average equity
  • $134,792Average loans

List of branches

  • 6 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04507The First National Bank Of Waverly107 North Market, Waverly, OH 45690January 01, 1901Full Service Brick and Mortar
    1211987Piketon Branch101 Thornton Drive, Piketon, OH 45661Febuary 02, 1953Full Service Brick and Mortar
    2211988Bristol Village Branch625 Fifth Street, Waverly, OH 45690June 13, 1977Full Service Brick and Mortar
    3211989Beaver Branch5556 Beaver Pike, Beaver Iga Grocery Store, Beaver, OH 45613July 08, 1999Full Service Retail
    4211990The Kroger Branch220 Waverly Plaza, Waverly, OH 45690December 22, 1999Full Service Brick and Mortar
    5419454Latham Branch13256 State Route 124, Piketon, OH 45661Febuary 03, 2003Full Service Retail

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