The Milton Banking Company in Wellston, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Milton Banking Company - Overview

  • General
  • FDIC Certificate #: 11085
    Status: Active
    Federal Reserve ID: 137821
    Bank Holding Company (Regulatory Top Holder): Milton Bancorp, Inc. (RSSDID: 2651572, Location: Wellston, OH)
    Date Established: January 01, 1922
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 7086
    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: January 01, 1934
    Last Structure Change Effective Date: January 05, 2012
    Last Structure Change Process Date: January 05, 2012
    Last Data Update: January 05, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 123 South Ohio Avenue, Wellston, OH 45692
    County: Jackson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $125.6 mil
    Equity capital: $11.1 mil
    Deposits held in domestic offices: $114.3 mil
    Return on assets (ROA): 1.00% ($1.3 mil)
    Quarterly return on assets: 1.26% ($1.6 mil)
    Return on Equity (ROE): 11.63% ($1.3 mil)
    Quarterly return on equity: 14.25% ($1.6 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.43% ($1,796.3 mil)
    Quarterly Pretax return on assets: 1.79% ($2,248.5 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
  • 44Total employees (full-time equivalent)
  • $125,615Total assets
  • $8,579Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,418Securities
  • $3,051Federal funds sold & reverse repurchase agreements
  • $99,833Net loans & leases
  • $867Loan loss allowance
  • $0Trading account assets
  • $2,265Bank premises and fixed assets
  • $1,393Other real estate owned
  • $604Goodwill and other intangibles
  • $125,615Life insurance assets
  • $1,472All other assets
  • $114,560Total liabilities and capital
  • $114,287Total liabilities
  • $92,812Total deposits
  • $114,287Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27Trading liabilities
  • $0Other borrowed funds
  • $246Subordinated debt
  • $11,055All other liabilities
  • $11,055Total equity capital
  • $11,055Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $527Surplus
  • $10,028Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,317Income earned, not collected on loans
  • $0Earning assets
  • $421Long-term assets (5+ years)
  • $111,302Average Assets, year-to-date
  • $32,183Average Assets, quarterly
  • $125,166Volatile liabilities
  • $125,206Insider loans
  • $95,799FHLB advances
  • $126,079Loans and leases held for sale
  • $233Unused loan commitments
  • $233Tier 1 (core) risk-based capital
  • $10,407Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,136Restructured Loans and leases
  • $2,516Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,167Total interest income
  • $1,399Total interest expense
  • $5,768Net interest income
  • $328Provision for loan and lease losses
  • $842Total noninterest income
  • $0Fiduciary activities
  • $437Service charges on deposit accounts
  • $0Trading account gains & fees
  • $405Additional noninterest income
  • $4,492Total noninterest expense
  • $2,057Salaries and employee benefits
  • $742Premises and equipment expense
  • $1,693Additional noninterest expense
  • $1,790Pre-tax net operating income
  • $4Securities gains (losses)
  • $545Applicable income taxes
  • $1,249Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,249Net income attributable to bank
  • $0Net charge-offs
  • $1,249Cash dividends
  • $169Sale, conversion, retirement of capital stock, net
  • $512Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 5.17%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 1.00%Net operating income to assets
  • 1.00%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 11.63%Return on equity (ROE)
  • 6.86%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 194.08%Credit loss provision to net charge-offs
  • 12.53%Efficiency ratio
  • 66,838Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.99%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 65.83%Noncurrent assets plus other real estate owned to assets
  • 2.16%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 87.35%Net loans and leases to core deposits
  • 95.20%Equity capital to assets
  • 8.80%Core capital (leverage) ratio
  • 8.25%Tier 1 risk-based capital ratio
  • 10.86%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $125,166Average earning assets
  • $10,741Average equity
  • $111,612Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07086The Milton Banking Company123 South Ohio Avenue, Wellston, OH 45692January 01, 1922Full Service Brick and Mortar
    1223975Jackson Branch400 East Main Street, Jackson, OH 45640October 15, 1984Full Service Brick and Mortar
    2365509Oak Hill Branch116 Jackson Street, Oak Hill, OH 45656October 01, 2002Full Service Brick and Mortar
    34461New H0lland Branch25 North Main Street, New Holland, OH 43145March 28, 1904Full Service Brick and Mortar
    4277220Mount Sterling Branch299 Yankeetown Road, Mount Sterling, OH 43143January 01, 1889Full Service Brick and Mortar

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