The First State Bank of West Manchester in West Manchester, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 13, 2004

  • The First State Bank of West Manchester in West Manchester, Ohio (OH)
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The First State Bank of West Manchester - Overview

  • General
  • FDIC Certificate #: 15074
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: United Midwest Savings Bank (#32441)
    Federal Reserve ID: 381727
    Date Established: January 01, 1897
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 9453
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 01, 1935
    Last Structure Change Effective Date: Febuary 13, 2004
    Last Structure Change Process Date: March 03, 2004
    Last Data Update: March 03, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 North Main Street, West Manchester, OH 45382
    County: Preble
    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
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • Financial Summary
  • Total assets: $15.1 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
  • 6Total employees (full-time equivalent)
  • $15,139Total assets
  • $1,385Cash and due from depository institutions
  • $132Interest-bearing balances
  • $4,428Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $7,885Net loans & leases
  • $127Loan loss allowance
  • $0Trading account assets
  • $126Bank premises and fixed assets
  • $107Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $208All other assets
  • $15,139Total liabilities and capital
  • $13,849Total liabilities
  • $13,405Total deposits
  • $11,040Interest-bearing deposits
  • $13,405Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $400Other borrowed funds
  • $0Subordinated debt
  • $44All other liabilities
  • $1,290Total equity capital
  • $1,290Total bank equity capital
  • $1,290Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $200Undivided profits
  • Memoranda
  • $890Noncurrent loans and leases
  • $268Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $93Earning assets
  • $0Long-term assets (5+ years)
  • $65Average Assets, year-to-date
  • $13,445Average Assets, quarterly
  • $2,205Volatile liabilities
  • $15,951Insider loans
  • $15,513FHLB advances
  • $315Loans and leases held for sale
  • $26Unused loan commitments
  • $400Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $268Total unused commitments
  • $0Restructured Loans and leases
  • $89Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $839Total interest income
  • $360Total interest expense
  • $479Net interest income
  • $125Provision for loan and lease losses
  • $83Total noninterest income
  • $0Fiduciary activities
  • $77Service charges on deposit accounts
  • $3Trading account gains & fees
  • $3Additional noninterest income
  • $754Total noninterest expense
  • $285Salaries and employee benefits
  • $43Premises and equipment expense
  • $426Additional noninterest expense
  • -$317Pre-tax net operating income
  • $0Securities gains (losses)
  • -$8Applicable income taxes
  • -$309Income before extraordinary items
  • $0Extraordinary gains - net
  • -$309Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $107Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.79%Yield on earning assets
  • 2.48%Cost of funding earning assets
  • 3.31%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 5.20%Noninterest expense to earning assets
  • -1.94%Net operating income to assets
  • -1.94%Return on assets (ROA)
  • -1.99%Pretax return on assets
  • -20.85%Return on equity (ROE)
  • -20.85%Retained earnings to average equity (YTD only)
  • 1.25%Net charge-offs to loans
  • 116.82%Credit loss provision to net charge-offs
  • -1.79%Efficiency ratio
  • 134,164Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 136.56%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 58.82%Net loans and leases to core deposits
  • 60.24%Equity capital to assets
  • 8.52%Core capital (leverage) ratio
  • 8.53%Tier 1 risk-based capital ratio
  • 18.49%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $15,951Average earning assets
  • $1,482Average equity
  • $14,492Average loans

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