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

This bank is inactive as of March 07, 2002

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

  • General
  • FDIC Certificate #: 6739
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Unizan Bank, National Association (#14953)
    Federal Reserve ID: 148528
    Date Established: December 19, 1863
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 27 (Interstate: No)
    OTS Docket #: 10971
    FDIC's unique #: 4520
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 07, 2002
    Last Structure Change Process Date: March 26, 2002
    Last Data Update: March 26, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 422-428 Main Street, Zanesville, OH 43701
    County: Muskingum
    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
    Core Based Statistical Area (CBSA): Zanesville, OH (#49780)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $1,471.2 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, 2001)

  • Dollar figures in thousands
  • 392Total employees (full-time equivalent)
  • $1,471,226Total assets
  • $29,909Cash and due from depository institutions
  • $646Interest-bearing balances
  • $299,865Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,029,076Net loans & leases
  • $10,610Loan loss allowance
  • $0Trading account assets
  • $17,705Bank premises and fixed assets
  • $3,511Other real estate owned
  • $25,982Goodwill and other intangibles
  • $0Life insurance assets
  • $65,178All other assets
  • $1,471,226Total liabilities and capital
  • $1,362,845Total liabilities
  • $1,128,655Total deposits
  • $1,038,615Interest-bearing deposits
  • $1,128,655Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $46,000Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $167,564Other borrowed funds
  • $10,000Subordinated debt
  • $10,626All other liabilities
  • $108,381Total equity capital
  • $108,381Total bank equity capital
  • $108,381Perpetual preferred stock
  • $0Common stock
  • $32,362Surplus
  • $71,157Undivided profits
  • Memoranda
  • $4,862Noncurrent loans and leases
  • $120,160Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $10,579Earning assets
  • $0Long-term assets (5+ years)
  • $8,288Average Assets, year-to-date
  • $1,329,587Average Assets, quarterly
  • $357,981Volatile liabilities
  • $1,521,003Insider loans
  • $1,484,630FHLB advances
  • $284,764Loans and leases held for sale
  • $3,551Unused loan commitments
  • $167,564Tier 1 (core) risk-based capital
  • $53,000Tier 2 risk-based capital
  • $10,455Total risk weighted assets
  • $120,160Total unused commitments
  • $0Restructured Loans and leases
  • $20,610Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $114,369Total interest income
  • $66,690Total interest expense
  • $47,679Net interest income
  • $2,250Provision for loan and lease losses
  • $13,785Total noninterest income
  • $2,360Fiduciary activities
  • $2,468Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8,957Additional noninterest income
  • $32,916Total noninterest expense
  • $18,141Salaries and employee benefits
  • $3,507Premises and equipment expense
  • $11,268Additional noninterest expense
  • $26,298Pre-tax net operating income
  • $317Securities gains (losses)
  • $8,687Applicable income taxes
  • $17,928Income before extraordinary items
  • $0Extraordinary gains - net
  • $17,928Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,790Sale, conversion, retirement of capital stock, net
  • $28,000Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.27%Yield on earning assets
  • 4.82%Cost of funding earning assets
  • 3.45%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 2.38%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 15.01%Return on equity (ROE)
  • -8.43%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 125.70%Credit loss provision to net charge-offs
  • 15.95%Efficiency ratio
  • 51,284Assets per employee
  • 3.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 156.18%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 100.29%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 91.18%Net loans and leases to core deposits
  • 110.15%Equity capital to assets
  • 7.37%Core capital (leverage) ratio
  • 6.15%Tier 1 risk-based capital ratio
  • 8.46%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $1,521,003Average earning assets
  • $119,453Average equity
  • $1,383,667Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $303,900Managed Assets
  • 1Number of Accounts
  • $283,817Personal trust and agency accounts
  • $153,981Employee benefit-defined contribution accounts
  • $11,596Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $33,451Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $84,789Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 865Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $20,083Other retirement accounts
  • $69Corporate trust and agency accounts
  • $12,022Other fiduciary accounts
  • $7,992Fiduciary accounts held in foreign offices

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