The Henry County Bank in Napoleon, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Henry County Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 62Total employees (full-time equivalent)
  • $241,272Total assets
  • $4,457Cash and due from depository institutions
  • $2,837Interest-bearing balances
  • $92,959Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $128,920Net loans & leases
  • $1,495Loan loss allowance
  • $0Trading account assets
  • $6,082Bank premises and fixed assets
  • $292Other real estate owned
  • $339Goodwill and other intangibles
  • $241,272Life insurance assets
  • $8,223All other assets
  • $215,212Total liabilities and capital
  • $186,777Total liabilities
  • $164,754Total deposits
  • $186,777Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,358Trading liabilities
  • $0Other borrowed funds
  • $3,077Subordinated debt
  • $26,060All other liabilities
  • $26,060Total equity capital
  • $26,060Total bank equity capital
  • $0Perpetual preferred stock
  • $564Common stock
  • $2,982Surplus
  • $22,514Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,284Income earned, not collected on loans
  • $0Earning assets
  • $870Long-term assets (5+ years)
  • $224,716Average Assets, year-to-date
  • $130,352Average Assets, quarterly
  • $236,684Volatile liabilities
  • $242,081Insider loans
  • $146,151FHLB advances
  • $242,516Loans and leases held for sale
  • $5,185Unused loan commitments
  • $4,974Tier 1 (core) risk-based capital
  • $23,781Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $211Total unused commitments
  • $11,428Restructured Loans and leases
  • $1,523Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,720Total interest income
  • $2,402Total interest expense
  • $8,318Net interest income
  • $200Provision for loan and lease losses
  • $968Total noninterest income
  • $0Fiduciary activities
  • $419Service charges on deposit accounts
  • $0Trading account gains & fees
  • $549Additional noninterest income
  • $6,504Total noninterest expense
  • $3,637Salaries and employee benefits
  • $682Premises and equipment expense
  • $2,185Additional noninterest expense
  • $2,582Pre-tax net operating income
  • $102Securities gains (losses)
  • $501Applicable income taxes
  • $2,183Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,183Net income attributable to bank
  • $0Net charge-offs
  • $2,183Cash dividends
  • $690Sale, conversion, retirement of capital stock, net
  • $613Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 8.75%Return on equity (ROE)
  • 6.30%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 28.99%Credit loss provision to net charge-offs
  • 4.03%Efficiency ratio
  • 70,041Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.08%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 45.52%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 2.52%Net loans and leases to deposits
  • 69.02%Net loans and leases to core deposits
  • 111.37%Equity capital to assets
  • 10.80%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 16.27%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $236,684Average earning assets
  • $24,936Average equity
  • $219,822Average loans

List of branches

  • 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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