The Mt. Victory State Bank in Mount Victory, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Mt. Victory State Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 6Total employees (full-time equivalent)
  • $15,688Total assets
  • $1,222Cash and due from depository institutions
  • $108Interest-bearing balances
  • $9,819Securities
  • $1,469Federal funds sold & reverse repurchase agreements
  • $2,843Net loans & leases
  • $96Loan loss allowance
  • $0Trading account assets
  • $77Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $15,688Life insurance assets
  • $258All other assets
  • $13,810Total liabilities and capital
  • $13,794Total liabilities
  • $9,896Total deposits
  • $13,794Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $16Subordinated debt
  • $1,878All other liabilities
  • $1,878Total equity capital
  • $1,878Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $250Surplus
  • $1,378Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $88Long-term assets (5+ years)
  • $14,239Average Assets, year-to-date
  • $8,065Average Assets, quarterly
  • $15,364Volatile liabilities
  • $15,661Insider loans
  • $5,932FHLB advances
  • $15,685Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,835Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,983Restructured Loans and leases
  • $33Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $488Total interest income
  • $53Total interest expense
  • $435Net interest income
  • $0Provision for loan and lease losses
  • $65Total noninterest income
  • $0Fiduciary activities
  • $57Service charges on deposit accounts
  • $0Trading account gains & fees
  • $8Additional noninterest income
  • $468Total noninterest expense
  • $229Salaries and employee benefits
  • $71Premises and equipment expense
  • $168Additional noninterest expense
  • $32Pre-tax net operating income
  • $0Securities gains (losses)
  • $5Applicable income taxes
  • $27Income before extraordinary items
  • $0Extraordinary gains - net
  • $27Net income attributable to bank
  • $0Net charge-offs
  • $27Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $25Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.50%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.18%Net operating income to assets
  • 0.18%Return on assets (ROA)
  • 0.21%Pretax return on assets
  • 1.46%Return on equity (ROE)
  • 0.11%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 6.40%Efficiency ratio
  • 93,600Assets per employee
  • 2.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.59%Loss allowance to loans
  • 3.27%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 20.61%Net loans and leases to core deposits
  • 20.61%Equity capital to assets
  • 11.97%Core capital (leverage) ratio
  • 11.70%Tier 1 risk-based capital ratio
  • 30.93%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $15,364Average earning assets
  • $1,853Average equity
  • $13,942Average loans

List of branches

  • 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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