The National Bank and Trust Company in Wilmington, Ohio (OH)



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The National Bank and Trust Company
GeneralFDIC Certificate #: 6731
Status: Active
Federal Reserve ID: 328423
Bank Holding Company (Regulatory Top Holder): Nb&T Financial Group, Inc. (RSSDID: 1070756, Location: Wilmington, OH)
Date Established: May 10, 1872
WWW: http://www.nbtdirect.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 24 (Domestic: 24, Interstate: No)
OTS Docket #: 11709
FDIC's unique #: 4512
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 19, 2010
Last Structure Change Process Date: March 22, 2010
Last Data Update: March 22, 2010
Data Source Date: April 05, 2012
LocationAddress: 48 North South Street, Wilmington, OH 45177
County: Clinton
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): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
Core Based Statistical Area (CBSA): Wilmington, OH (#48940)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Corrections
Financial SummaryTotal assets: $675.5 mil
Equity capital: $72.5 mil
Deposits held in domestic offices: $589.3 mil
Return on assets (ROA): 0.62% ($4.2 mil)
Quarterly return on assets: 0.43% ($2.9 mil)
Return on Equity (ROE): 5.73% ($4.1 mil)
Quarterly return on equity: 3.87% ($2.8 mil)
Net income: $4.2 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 0.88% ($5,944.8 mil)
Quarterly Pretax return on assets: 0.57% ($3,850.6 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)211
Total assets$675,540
Cash and due from depository institutions$75,603
Interest-bearing balances$61,440
Securities$139,744
Federal funds sold & reverse repurchase agreements$366
Net loans & leases$399,779
Loan loss allowance $4,668
Trading account assets$0
Bank premises and fixed assets$18,471
Other real estate owned$3,520
Goodwill and other intangibles$4,635
All other assets$33,422
Life insurance assets$675,540
Total liabilities and capital$603,085
Total liabilities$589,261
Total deposits$483,692
Interest-bearing deposits$589,261
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $8,824
All other liabilities $72,455
Total equity capital$72,455
Total bank equity capital$72,455
Perpetual preferred stock$0
Common stock$1,000
Surplus$31,407
Undivided profits $40,048
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 $12,166
Earning assets $595
Long-term assets (5+ years) $2,908
Average Assets, year-to-date $601,329
Average Assets, quarterly $150,763
Volatile liabilities $676,367
Insider loans $674,676
FHLB advances $415,522
Loans and leases held for sale $675,236
Unused loan commitments $15,488
Tier 1 (core) risk-based capital $10,774
Tier 2 risk-based capital $66,617
Total risk weighted assets $0
Total unused commitments $4,714
Restructured Loans and leases $81,495
Derivatives$3,354
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $28,171
Total interest expense $4,004
Net interest income $24,167
Provision for loan and lease losses $2,935
Total noninterest income $6,878
Fiduciary activities $1,030
Service charges on deposit accounts $2,983
Trading account gains & fees $0
Additional noninterest income $2,865
Total noninterest expense $23,965
Salaries and employee benefits $11,971
Premises and equipment expense $3,699
Additional noninterest expense $8,295
Pre-tax net operating income $4,145
Securities gains (losses) $1,820
Applicable income taxes $1,753
Income before extraordinary items $4,212
Extraordinary gains - net $0
Net income attributable to bank $4,212
Net charge-offs $0
Cash dividends $4,212
Sale, conversion, retirement of capital stock, net $1,981
Net operating income $4,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.68%
Cost of funding earning assets 0.67%
Net interest margin 4.01%
Noninterest income to earning assets 1.14%
Noninterest expense to earning assets 3.98%
Net operating income to assets 0.43%
Return on assets (ROA) 0.62%
Pretax return on assets 0.88%
Return on equity (ROE) 5.73%
Retained earnings to average equity (YTD only) 0.29%
Net charge-offs to loans 0.49%
Credit loss provision to net charge-offs 148.16%
Efficiency ratio3.57%
Assets per employee$76,057
Cash dividends to net income (YTD only)3.20%
Condition Ratios (%)
Loss allowance to loans 94.97%
Loss allowance to noncurrent loans 1.15%
Noncurrent assets plus other real estate owned to assets 38.37%
Noncurrent loans to loans 2.32%
Net loans and leases to deposits3.01%
Net loans and leases to core deposits 67.84%
Equity capital to assets 69.18%
Core capital (leverage) ratio 10.73%
Tier 1 risk-based capital ratio 9.87%
Total risk-based capital ratio 16.03%
Memoranda
Average assets$17
Average earning assets$676,367
Average equity $73,532
Average loans $602,071
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$187,609
Number of Accounts1
Personal trust and agency accounts$146,021
Employee benefit-defined contribution accounts$61,320
Employee benefit-defined benefit accounts$995
Other retirement accounts$0
Corporate trust and agency accounts$17,051
Investment management agency accounts$1,181
Other fiduciary accounts$46,997
Fiduciary accounts held in foreign offices$16,477
Non-managed Assets$2,000
Number of Accounts473
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$17,051
Employee benefit-defined benefit accounts$0
Other retirement accounts$41,588
Corporate trust and agency accounts$8,837
Other fiduciary accounts$30,912
Fiduciary accounts held in foreign offices$1,839
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24 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04512The National Bank And Trust Company48 North South Street, Wilmington, OH 45177May 10, 1872Full Service Brick and Mortar
1211995New Vienna Branch41 West Main, New Vienna, OH 45159Febuary 24, 1958Full Service Brick and Mortar
2211996Wilmington West1288 Wayne Road, Wilmington, OH 45177August 02, 1965Full Service Brick and Mortar
3211997Plaza Branch1344 Rombach Avenue, Wilmington, OH 45177April 15, 1968Full Service Brick and Mortar
8212000Blanchester Branch125 West Main Street, Blanchester, OH 45107March 10, 1980Full Service Brick and Mortar
94455Mount Orab Branch452 West Main Street, Mount Orab, OH 45154Febuary 01, 1915Full Service Brick and Mortar
15212002Milford Branch735 Lila Avenue, Milford, OH 45150March 02, 1992Full Service Brick and Mortar
164413South Main Office Branch885 South Main Street, Georgetown, OH 45121April 01, 1882Full Service Brick and Mortar
1845123Williamsburg Building Branch244 West Main Street, Williamsburg, OH 45176June 30, 1985Full Service Brick and Mortar
19212003Sardinia Branch7110 Bachman Road, Sardinia, OH 45171April 14, 1994Full Service Retail
20212004Batavia Branch201 East Main Street, Batavia, OH 45103March 08, 1996Full Service Brick and Mortar
21212005Hillsboro Branch101 Harry Sauner Road, Hillsboro, OH 45133November 17, 1997Full Service Brick and Mortar
22212006Owensville Branch227 Main Street, Suite D, Owensville, OH 45103June 19, 1998Full Service Brick and Mortar
24357364Internet Banking Branch48 North South Street, Wilmington, OH 45177May 01, 2000Full Service Cyber
25360077Waynesville Franklin Road Branch826 Franklin Road, Waynesville, OH 45068April 30, 2001Full Service Brick and Mortar
286061Sabina Branch135 North Howard Street, Sabina, OH 45169January 01, 1875Full Service Brick and Mortar
32476042Maineville Office6284 Rivers Bend Drive, Maineville, OH 45039January 10, 2008Full Service Brick and Mortar
33476043Snider Road Office6210 Snider Road, Mason, OH 45040Febuary 14, 2008Full Service Brick and Mortar
34478558Lebanon Branch916 Columbus Avenue, Suite 8, Lebanon, OH 45036April 16, 2008Full Service Retail
3516889Franklin East Second Branch1400 East Second Street, Franklin, OH 45005Febuary 07, 1983Full Service Brick and Mortar
36257126Springboro Branch95 Edgebrook Drive, Springboro, OH 45066April 27, 1987Full Service Brick and Mortar
37257128Centerville Branch50 West Spring Valley Road, Centerville, OH 45458July 20, 1998Full Service Brick and Mortar
38211536Carlisle Branch655 West Central Avenue, Carlisle, OH 45005March 13, 1989Full Service Brick and Mortar
4012667American National Bank Branch5603 Ridge Road, Parma, OH 44129June 25, 1963Full Service Brick and Mortar
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