The Mt. Victory State Bank in Mount Victory, Ohio (OH)



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The Mt. Victory State Bank routing number info

Table of contents:
The Mt. Victory State Bank
GeneralFDIC Certificate #: 9438
Status: Active
Federal Reserve ID: 274025
Bank Holding Company (Regulatory Top Holder): Victory Bancshares, Inc. (RSSDID: 2266873, Location: Mount Victory, OH)
Date Established: September 14, 1929
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 6063
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: Other Specialized Lending < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 08, 2011
Last Structure Change Process Date: December 08, 2011
Last Data Update: December 08, 2011
Data Source Date: April 05, 2012
LocationAddress: 103 S Main St, Mount Victory, OH 43340
County: Hardin
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
Financial SummaryTotal assets: $15.7 mil
Equity capital: $1.9 mil
Deposits held in domestic offices: $13.8 mil
Return on assets (ROA): 0.18% ($0.0 mil)
Quarterly return on assets: -0.23% (-$0.0 mil)
Return on Equity (ROE): 1.46% ($0.0 mil)
Quarterly return on equity: -1.89% (-$0.0 mil)
Net income: $0.0 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.21% ($32.9 mil)
Quarterly Pretax return on assets: -0.26% (-$40.8 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)
Total employees (full-time equivalent)6
Total assets$15,688
Cash and due from depository institutions$1,222
Interest-bearing balances$108
Securities$9,819
Federal funds sold & reverse repurchase agreements$1,469
Net loans & leases$2,843
Loan loss allowance $96
Trading account assets$0
Bank premises and fixed assets$77
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$258
Life insurance assets$15,688
Total liabilities and capital$13,810
Total liabilities$13,794
Total deposits$9,896
Interest-bearing deposits$13,794
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $16
All other liabilities $1,878
Total equity capital$1,878
Total bank equity capital$1,878
Perpetual preferred stock$0
Common stock$250
Surplus$250
Undivided profits $1,378
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $88
Average Assets, year-to-date $14,239
Average Assets, quarterly $8,065
Volatile liabilities $15,364
Insider loans $15,661
FHLB advances $5,932
Loans and leases held for sale $15,685
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $1,835
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,983
Derivatives$33
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $488
Total interest expense $53
Net interest income $435
Provision for loan and lease losses $0
Total noninterest income $65
Fiduciary activities $0
Service charges on deposit accounts $57
Trading account gains & fees $0
Additional noninterest income $8
Total noninterest expense $468
Salaries and employee benefits $229
Premises and equipment expense $71
Additional noninterest expense $168
Pre-tax net operating income $32
Securities gains (losses) $0
Applicable income taxes $5
Income before extraordinary items $27
Extraordinary gains - net $0
Net income attributable to bank $27
Net charge-offs $0
Cash dividends $27
Sale, conversion, retirement of capital stock, net $5
Net operating income $25
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.50%
Cost of funding earning assets 0.38%
Net interest margin 3.12%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 3.36%
Net operating income to assets 0.18%
Return on assets (ROA) 0.18%
Pretax return on assets 0.21%
Return on equity (ROE) 1.46%
Retained earnings to average equity (YTD only) 0.11%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio6.40%
Assets per employee$93,600
Cash dividends to net income (YTD only)2.61%
Condition Ratios (%)
Loss allowance to loans 92.59%
Loss allowance to noncurrent loans 3.27%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 20.61%
Equity capital to assets 20.61%
Core capital (leverage) ratio 11.97%
Tier 1 risk-based capital ratio 11.70%
Total risk-based capital ratio 30.93%
Memoranda
Average assets$32
Average earning assets$15,364
Average equity $1,853
Average loans $13,942
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1 Ohio Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06063The Mt. Victory State Bank103 S Main St, Mount Victory, OH 43340September 14, 1929Full Service Brick and Mortar
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