The Hocking Valley Bank in Athens, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Hocking Valley Bank - Overview

  • General
  • FDIC Certificate #: 18858
    Status: Active
    Federal Reserve ID: 230610
    Bank Holding Company (Regulatory Top Holder): Hocking Valley Bancshares, Inc. (RSSDID: 2170868, Location: Athens, OH)
    Date Established: Febuary 12, 1919
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 13102
    FDIC's unique #: 12713
    Numeric code: 13
    Regulator: FED
    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: August 09, 1963
    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: Stimson And Palmer Streets, Athens, OH 45701
    County: Athens
    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): Athens, OH (#11900)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $235.9 mil
    Equity capital: $22.9 mil
    Deposits held in domestic offices: $208.8 mil
    Return on assets (ROA): 0.77% ($1.8 mil)
    Quarterly return on assets: 0.81% ($1.9 mil)
    Return on Equity (ROE): 8.15% ($1.9 mil)
    Quarterly return on equity: 8.33% ($1.9 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.03% ($2,430.0 mil)
    Quarterly Pretax return on assets: 1.07% ($2,524.3 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
  • 57Total employees (full-time equivalent)
  • $235,920Total assets
  • $26,767Cash and due from depository institutions
  • $22,704Interest-bearing balances
  • $52,646Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $140,927Net loans & leases
  • $2,615Loan loss allowance
  • $0Trading account assets
  • $5,995Bank premises and fixed assets
  • $451Other real estate owned
  • $0Goodwill and other intangibles
  • $235,920Life insurance assets
  • $9,084All other assets
  • $212,996Total liabilities and capital
  • $208,809Total liabilities
  • $170,069Total deposits
  • $208,809Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 1043.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,178Trading liabilities
  • $0Other borrowed funds
  • $1,966Subordinated debt
  • $22,924All other liabilities
  • $22,924Total equity capital
  • $22,924Total bank equity capital
  • $0Perpetual preferred stock
  • $745Common stock
  • $3,000Surplus
  • $19,179Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $607Income earned, not collected on loans
  • $0Earning assets
  • $681Long-term assets (5+ years)
  • $216,327Average Assets, year-to-date
  • $12,006Average Assets, quarterly
  • $237,646Volatile liabilities
  • $239,523Insider loans
  • $139,129FHLB advances
  • $241,192Loans and leases held for sale
  • $5,630Unused loan commitments
  • $5,630Tier 1 (core) risk-based capital
  • $22,039Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,624Restructured Loans and leases
  • $1,789Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,924Total interest income
  • $1,645Total interest expense
  • $8,279Net interest income
  • $210Provision for loan and lease losses
  • $1,132Total noninterest income
  • $0Fiduciary activities
  • $638Service charges on deposit accounts
  • $0Trading account gains & fees
  • $494Additional noninterest income
  • $6,763Total noninterest expense
  • $3,119Salaries and employee benefits
  • $958Premises and equipment expense
  • $2,686Additional noninterest expense
  • $2,438Pre-tax net operating income
  • $0Securities gains (losses)
  • $598Applicable income taxes
  • $1,840Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,840Net income attributable to bank
  • $0Net charge-offs
  • $1,840Cash dividends
  • $190Sale, conversion, retirement of capital stock, net
  • $900Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.55%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.52%Noninterest income to earning assets
  • 3.10%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 8.15%Return on equity (ROE)
  • 4.17%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 110.53%Credit loss provision to net charge-offs
  • 13.94%Efficiency ratio
  • 71,863Assets per employee
  • 4.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.91%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 430.81%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 67.49%Net loans and leases to core deposits
  • 78.88%Equity capital to assets
  • 9.72%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 15.84%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $237,646Average earning assets
  • $22,568Average equity
  • $218,294Average loans

List of branches

  • 7 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012713The Hocking Valley BankStimson And Palmer Streets, Athens, OH 45701Febuary 12, 1919Full Service Brick and Mortar
    1246658Court Street Branch23 South Court Street, Athens, OH 45701April 27, 1967Full Service Brick and Mortar
    2246659Albany BranchWashington And Clinton Streets, Albany, OH 45710July 09, 1969Full Service Brick and Mortar
    3246660Richland Avenue Branch368 Richland Avenue, Athens, OH 45701July 29, 1974Full Service Brick and Mortar
    4246661State Street Branch936 East State Street, Athens, OH 45701December 19, 1988Full Service Brick and Mortar
    5246662Coolville Branch26111 Main Street, Coolville, OH 45723November 20, 1997Full Service Brick and Mortar
    6246663The Plains Branch118 N Plains Rd, The Plains, OH 45780March 16, 1998Full Service Brick and Mortar

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