The Henry County Bank in Napoleon, Ohio (OH)



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The Henry County Bank routing number info

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The Henry County Bank
GeneralFDIC Certificate #: 15384
Status: Active
Federal Reserve ID: 896427
Bank Holding Company (Regulatory Top Holder): Comunibanc Corp. (RSSDID: 2513157, Location: Napoleon, OH)
Date Established: May 11, 1936
WWW: http://www.thehenrycountybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 12672
FDIC's unique #: 9706
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 11, 1936
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
LocationAddress: 122 East Washington Street, Napoleon, OH 43545
County: Henry
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $241.3 mil
Equity capital: $26.1 mil
Deposits held in domestic offices: $186.8 mil
Return on assets (ROA): 0.92% ($2.2 mil)
Quarterly return on assets: 0.84% ($2.0 mil)
Return on Equity (ROE): 8.75% ($2.3 mil)
Quarterly return on equity: 7.84% ($2.0 mil)
Net income: $2.2 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.13% ($2,726.4 mil)
Quarterly Pretax return on assets: 0.91% ($2,195.6 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)
Total employees (full-time equivalent)62
Total assets$241,272
Cash and due from depository institutions$4,457
Interest-bearing balances$2,837
Securities$92,959
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$128,920
Loan loss allowance $1,495
Trading account assets$0
Bank premises and fixed assets$6,082
Other real estate owned$292
Goodwill and other intangibles$339
All other assets$8,223
Life insurance assets$241,272
Total liabilities and capital$215,212
Total liabilities$186,777
Total deposits$164,754
Interest-bearing deposits$186,777
Deposits held in domestic offices$67
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$25,358
Other borrowed funds $0
Subordinated debt $3,077
All other liabilities $26,060
Total equity capital$26,060
Total bank equity capital$26,060
Perpetual preferred stock$0
Common stock$564
Surplus$2,982
Undivided profits $22,514
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,284
Earning assets $0
Long-term assets (5+ years) $870
Average Assets, year-to-date $224,716
Average Assets, quarterly $130,352
Volatile liabilities $236,684
Insider loans $242,081
FHLB advances $146,151
Loans and leases held for sale $242,516
Unused loan commitments $5,185
Tier 1 (core) risk-based capital $4,974
Tier 2 risk-based capital $23,781
Total risk weighted assets $0
Total unused commitments $211
Restructured Loans and leases $11,428
Derivatives$1,523
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,720
Total interest expense $2,402
Net interest income $8,318
Provision for loan and lease losses $200
Total noninterest income $968
Fiduciary activities $0
Service charges on deposit accounts $419
Trading account gains & fees $0
Additional noninterest income $549
Total noninterest expense $6,504
Salaries and employee benefits $3,637
Premises and equipment expense $682
Additional noninterest expense $2,185
Pre-tax net operating income $2,582
Securities gains (losses) $102
Applicable income taxes $501
Income before extraordinary items $2,183
Extraordinary gains - net $0
Net income attributable to bank $2,183
Net charge-offs $0
Cash dividends $2,183
Sale, conversion, retirement of capital stock, net $690
Net operating income $613
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.88%
Cost of funding earning assets 1.09%
Net interest margin 3.78%
Noninterest income to earning assets 0.44%
Noninterest expense to earning assets 2.96%
Net operating income to assets 0.89%
Return on assets (ROA) 0.92%
Pretax return on assets 1.13%
Return on equity (ROE) 8.75%
Retained earnings to average equity (YTD only) 6.30%
Net charge-offs to loans 0.54%
Credit loss provision to net charge-offs 28.99%
Efficiency ratio4.03%
Assets per employee$70,041
Cash dividends to net income (YTD only)3.89%
Condition Ratios (%)
Loss allowance to loans 28.08%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 45.52%
Noncurrent loans to loans 1.48%
Net loans and leases to deposits2.52%
Net loans and leases to core deposits 69.02%
Equity capital to assets 111.37%
Core capital (leverage) ratio 10.80%
Tier 1 risk-based capital ratio 9.81%
Total risk-based capital ratio 16.27%
Memoranda
Average assets$17
Average earning assets$236,684
Average equity $24,936
Average loans $219,822
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6 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09706The Henry County Bank122 East Washington Street, Napoleon, OH 43545May 11, 1936Full Service Brick and Mortar
1233799Malinta BranchTurkeyfoot Avenue, Malinta, OH 43535July 07, 1956Full Service Brick and Mortar
2233800Holgate Branch119 Railway Avenue, Holgate, OH 43527July 10, 1969Full Service Brick and Mortar
3233801North Scott Branch1423 North Scott Street, Napoleon, OH 43545November 15, 1973Full Service Brick and Mortar
4233802Liberty Center Branch523 East Street, Liberty Center, OH 43532September 21, 1987Full Service Brick and Mortar
5233803Perry Street Branch403 South Perry Street, Napoleon, OH 43545October 07, 1994Full Service Brick and Mortar
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