The Marblehead Bank in Marblehead, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Marblehead Bank - Overview

  • General
  • FDIC Certificate #: 9860
    Status: Active
    Federal Reserve ID: 513920
    Bank Holding Company (Regulatory Top Holder): Marblehead Bancorp (RSSDID: 2375449, Location: Marblehead, OH)
    Date Established: March 06, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6306
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 709 West Main Street, Marblehead, OH 43440
    County: Ottawa
    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): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $35.8 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $30.6 mil
    Return on assets (ROA): 0.63% ($0.2 mil)
    Quarterly return on assets: 0.97% ($0.3 mil)
    Return on Equity (ROE): 5.68% ($0.2 mil)
    Quarterly return on equity: 8.66% ($0.3 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.63% ($225.4 mil)
    Quarterly Pretax return on assets: 0.89% ($318.4 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
  • 13Total employees (full-time equivalent)
  • $35,773Total assets
  • $1,750Cash and due from depository institutions
  • $835Interest-bearing balances
  • $24,935Securities
  • $25Federal funds sold & reverse repurchase agreements
  • $8,284Net loans & leases
  • $145Loan loss allowance
  • $0Trading account assets
  • $418Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $35,773Life insurance assets
  • $361All other assets
  • $31,813Total liabilities and capital
  • $30,609Total liabilities
  • $23,702Total deposits
  • $30,609Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,007Trading liabilities
  • $0Other borrowed funds
  • $197Subordinated debt
  • $3,960All other liabilities
  • $3,960Total equity capital
  • $3,960Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $725Surplus
  • $3,160Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $220Income earned, not collected on loans
  • $0Earning assets
  • $150Long-term assets (5+ years)
  • $34,079Average Assets, year-to-date
  • $27,545Average Assets, quarterly
  • $34,966Volatile liabilities
  • $35,887Insider loans
  • $18,526FHLB advances
  • $35,642Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,704Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,472Restructured Loans and leases
  • $4Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,102Total interest income
  • $104Total interest expense
  • $998Net interest income
  • $19Provision for loan and lease losses
  • $144Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $1,071Total noninterest expense
  • $613Salaries and employee benefits
  • $106Premises and equipment expense
  • $352Additional noninterest expense
  • $52Pre-tax net operating income
  • $170Securities gains (losses)
  • $0Applicable income taxes
  • $222Income before extraordinary items
  • $0Extraordinary gains - net
  • $222Net income attributable to bank
  • $0Net charge-offs
  • $222Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.32%Yield on earning assets
  • 0.31%Cost of funding earning assets
  • 3.01%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.23%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 5.68%Return on equity (ROE)
  • 1.84%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 93,783Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 67.57%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 65.91%Noncurrent assets plus other real estate owned to assets
  • 0.61%Noncurrent loans to loans
  • 2.61%Net loans and leases to deposits
  • 27.06%Net loans and leases to core deposits
  • 27.06%Equity capital to assets
  • 11.07%Core capital (leverage) ratio
  • 10.39%Tier 1 risk-based capital ratio
  • 19.99%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $34,966Average earning assets
  • $3,906Average equity
  • $33,175Average loans

List of branches

  • 3 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06306The Marblehead Bank709 West Main Street, Marblehead, OH 43440March 06, 1907Full Service Brick and Mortar
    1221449Danbury Township Branch259 South Bridge Road, Marblehead, OH 43440October 16, 1997Full Service Brick and Mortar
    2357071North Shore Retirement Center9400 North Shore Boulevard, Marblehead, OH 43440April 05, 2000Limited Service Mobile

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