The National Bank and Trust Company in Wilmington, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The National Bank and Trust Company - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 211Total employees (full-time equivalent)
  • $675,540Total assets
  • $75,603Cash and due from depository institutions
  • $61,440Interest-bearing balances
  • $139,744Securities
  • $366Federal funds sold & reverse repurchase agreements
  • $399,779Net loans & leases
  • $4,668Loan loss allowance
  • $0Trading account assets
  • $18,471Bank premises and fixed assets
  • $3,520Other real estate owned
  • $4,635Goodwill and other intangibles
  • $675,540Life insurance assets
  • $33,422All other assets
  • $603,085Total liabilities and capital
  • $589,261Total liabilities
  • $483,692Total deposits
  • $589,261Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $8,824Subordinated debt
  • $72,455All other liabilities
  • $72,455Total equity capital
  • $72,455Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $31,407Surplus
  • $40,048Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,166Income earned, not collected on loans
  • $595Earning assets
  • $2,908Long-term assets (5+ years)
  • $601,329Average Assets, year-to-date
  • $150,763Average Assets, quarterly
  • $676,367Volatile liabilities
  • $674,676Insider loans
  • $415,522FHLB advances
  • $675,236Loans and leases held for sale
  • $15,488Unused loan commitments
  • $10,774Tier 1 (core) risk-based capital
  • $66,617Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,714Total unused commitments
  • $81,495Restructured Loans and leases
  • $3,354Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,171Total interest income
  • $4,004Total interest expense
  • $24,167Net interest income
  • $2,935Provision for loan and lease losses
  • $6,878Total noninterest income
  • $1,030Fiduciary activities
  • $2,983Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,865Additional noninterest income
  • $23,965Total noninterest expense
  • $11,971Salaries and employee benefits
  • $3,699Premises and equipment expense
  • $8,295Additional noninterest expense
  • $4,145Pre-tax net operating income
  • $1,820Securities gains (losses)
  • $1,753Applicable income taxes
  • $4,212Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,212Net income attributable to bank
  • $0Net charge-offs
  • $4,212Cash dividends
  • $1,981Sale, conversion, retirement of capital stock, net
  • $4,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.68%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.01%Net interest margin
  • 1.14%Noninterest income to earning assets
  • 3.98%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 5.73%Return on equity (ROE)
  • 0.29%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 148.16%Credit loss provision to net charge-offs
  • 3.57%Efficiency ratio
  • 76,057Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 94.97%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 38.37%Noncurrent assets plus other real estate owned to assets
  • 2.32%Noncurrent loans to loans
  • 3.01%Net loans and leases to deposits
  • 67.84%Net loans and leases to core deposits
  • 69.18%Equity capital to assets
  • 10.73%Core capital (leverage) ratio
  • 9.87%Tier 1 risk-based capital ratio
  • 16.03%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $676,367Average earning assets
  • $73,532Average equity
  • $602,071Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $187,609Managed Assets
  • 1Number of Accounts
  • $146,021Personal trust and agency accounts
  • $61,320Employee benefit-defined contribution accounts
  • $995Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $17,051Corporate trust and agency accounts
  • $1,181Investment management agency accounts
  • $46,997Other fiduciary accounts
  • $16,477Fiduciary accounts held in foreign offices
  • $2,000Non-managed Assets
  • 473Number of Accounts
  • $0Personal trust and agency accounts
  • $17,051Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $41,588Other retirement accounts
  • $8,837Corporate trust and agency accounts
  • $30,912Other fiduciary accounts
  • $1,839Fiduciary accounts held in foreign offices

List of branches

  • 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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