The National Bank of Adams County of West Union in West Union, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The National Bank of Adams County of West Union - Overview

  • General
  • FDIC Certificate #: 6728
    Status: Active
    Federal Reserve ID: 290922
    Date Established: April 28, 1928
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 4510
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 28 North Market, West Union, OH 45693
    County: Adams
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $78.7 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $68.9 mil
    Return on assets (ROA): 0.93% ($0.7 mil)
    Quarterly return on assets: 0.71% ($0.6 mil)
    Return on Equity (ROE): 7.46% ($0.7 mil)
    Quarterly return on equity: 5.77% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.93% ($732.1 mil)
    Quarterly Pretax return on assets: 0.71% ($558.9 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
  • 18Total employees (full-time equivalent)
  • $78,716Total assets
  • $9,784Cash and due from depository institutions
  • $7,004Interest-bearing balances
  • $3,999Securities
  • $23,331Federal funds sold & reverse repurchase agreements
  • $39,365Net loans & leases
  • $187Loan loss allowance
  • $0Trading account assets
  • $1,045Bank premises and fixed assets
  • $573Other real estate owned
  • $0Goodwill and other intangibles
  • $78,716Life insurance assets
  • $619All other assets
  • $69,086Total liabilities and capital
  • $68,918Total liabilities
  • $57,263Total deposits
  • $68,918Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $168Subordinated debt
  • $9,630All other liabilities
  • $9,630Total equity capital
  • $9,630Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,500Surplus
  • $7,030Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,629Income earned, not collected on loans
  • $0Earning assets
  • $289Long-term assets (5+ years)
  • $73,699Average Assets, year-to-date
  • $15,458Average Assets, quarterly
  • $77,620Volatile liabilities
  • $78,342Insider loans
  • $37,213FHLB advances
  • $77,495Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,630Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $321Restructured Loans and leases
  • $802Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,690Total interest income
  • $480Total interest expense
  • $2,210Net interest income
  • $50Provision for loan and lease losses
  • $191Total noninterest income
  • $0Fiduciary activities
  • $117Service charges on deposit accounts
  • $0Trading account gains & fees
  • $74Additional noninterest income
  • $1,632Total noninterest expense
  • $861Salaries and employee benefits
  • $140Premises and equipment expense
  • $631Additional noninterest expense
  • $719Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $719Income before extraordinary items
  • $0Extraordinary gains - net
  • $719Net income attributable to bank
  • $0Net charge-offs
  • $719Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.67%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.02%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 2.23%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 7.46%Return on equity (ROE)
  • 1.23%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 2500.00%Credit loss provision to net charge-offs
  • 384.50%Efficiency ratio
  • 67,972Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.45%Loss allowance to loans
  • 0.47%Loss allowance to noncurrent loans
  • 11.48%Noncurrent assets plus other real estate owned to assets
  • 2.80%Noncurrent loans to loans
  • 4.12%Net loans and leases to deposits
  • 57.12%Net loans and leases to core deposits
  • 61.98%Equity capital to assets
  • 12.23%Core capital (leverage) ratio
  • 12.43%Tier 1 risk-based capital ratio
  • 25.88%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $77,620Average earning assets
  • $9,637Average equity
  • $73,282Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04510The National Bank Of Adams County Of28 North Market, West Union, OH 45693April 28, 1928Full Service Brick and Mortar

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