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

The Metamora State Bank - Overview

  • General
  • FDIC Certificate #: 16167
    Status: Active
    Federal Reserve ID: 533227
    Bank Holding Company (Regulatory Top Holder): Metamora Bancorp, Inc. (RSSDID: 1133204, Location: Metamora, OH)
    Date Established: May 25, 1944
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12956
    FDIC's unique #: 10375
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 01, 1944
    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: 120 East Main Street, Metamora, OH 43540
    County: Fulton
    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
    Metropolitan Statistical Area (MSA): Toledo, OH (#8400)
    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: $60.3 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $54.2 mil
    Return on assets (ROA): 0.41% ($0.2 mil)
    Quarterly return on assets: 0.14% ($0.1 mil)
    Return on Equity (ROE): 5.14% ($0.3 mil)
    Quarterly return on equity: 1.69% ($0.1 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.51% ($307.7 mil)
    Quarterly Pretax return on assets: 0.10% ($60.3 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
  • 19Total employees (full-time equivalent)
  • $60,328Total assets
  • $2,780Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,526Securities
  • $2,348Federal funds sold & reverse repurchase agreements
  • $42,055Net loans & leases
  • $650Loan loss allowance
  • $0Trading account assets
  • $1,346Bank premises and fixed assets
  • $606Other real estate owned
  • $0Goodwill and other intangibles
  • $60,328Life insurance assets
  • $2,667All other assets
  • $55,347Total liabilities and capital
  • $54,212Total liabilities
  • $42,810Total deposits
  • $54,212Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $500Other borrowed funds
  • $635Subordinated debt
  • $4,981All other liabilities
  • $4,981Total equity capital
  • $4,981Total bank equity capital
  • $0Perpetual preferred stock
  • $375Common stock
  • $375Surplus
  • $4,231Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $897Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,123Income earned, not collected on loans
  • $0Earning assets
  • $614Long-term assets (5+ years)
  • $52,929Average Assets, year-to-date
  • $33,714Average Assets, quarterly
  • $60,331Volatile liabilities
  • $59,023Insider loans
  • $36,882FHLB advances
  • $59,287Loans and leases held for sale
  • $1,537Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,880Tier 2 risk-based capital
  • $1,537Total risk weighted assets
  • $0Total unused commitments
  • $7,021Restructured Loans and leases
  • $1,063Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,858Total interest income
  • $515Total interest expense
  • $2,343Net interest income
  • $302Provision for loan and lease losses
  • $398Total noninterest income
  • $0Fiduciary activities
  • $171Service charges on deposit accounts
  • $0Trading account gains & fees
  • $227Additional noninterest income
  • $2,132Total noninterest expense
  • $1,005Salaries and employee benefits
  • $279Premises and equipment expense
  • $848Additional noninterest expense
  • $307Pre-tax net operating income
  • $0Securities gains (losses)
  • $57Applicable income taxes
  • $250Income before extraordinary items
  • $0Extraordinary gains - net
  • $250Net income attributable to bank
  • $0Net charge-offs
  • $250Cash dividends
  • $393Sale, conversion, retirement of capital stock, net
  • $49Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 4.00%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 5.14%Return on equity (ROE)
  • 4.14%Retained earnings to average equity (YTD only)
  • 0.92%Net charge-offs to loans
  • 76.84%Credit loss provision to net charge-offs
  • 1.55%Efficiency ratio
  • 77,782Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.60%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 57.88%Noncurrent assets plus other real estate owned to assets
  • 2.87%Noncurrent loans to loans
  • 2.63%Net loans and leases to deposits
  • 77.58%Net loans and leases to core deposits
  • 84.18%Equity capital to assets
  • 8.26%Core capital (leverage) ratio
  • 8.23%Tier 1 risk-based capital ratio
  • 13.23%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $60,331Average earning assets
  • $4,860Average equity
  • $53,280Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010375The Metamora State Bank120 East Main Street, Metamora, OH 43540May 25, 1944Full Service Brick and Mortar
    1237556Sylvania Banking Center Branch8282 Erie Street, Sylvania, OH 43560November 27, 1995Full Service Brick and Mortar

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