The National Bank of Adams County of West Union in West Union, Ohio (OH)



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The National Bank of Adams County of West Union routing number info

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The National Bank of Adams County of West Union
GeneralFDIC Certificate #: 6728
Status: Active
Federal Reserve ID: 290922
Date Established: April 28, 1928
WWW: http://www.nbaconline.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$78,716
Cash and due from depository institutions$9,784
Interest-bearing balances$7,004
Securities$3,999
Federal funds sold & reverse repurchase agreements$23,331
Net loans & leases$39,365
Loan loss allowance $187
Trading account assets$0
Bank premises and fixed assets$1,045
Other real estate owned$573
Goodwill and other intangibles$0
All other assets$619
Life insurance assets$78,716
Total liabilities and capital$69,086
Total liabilities$68,918
Total deposits$57,263
Interest-bearing deposits$68,918
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $168
All other liabilities $9,630
Total equity capital$9,630
Total bank equity capital$9,630
Perpetual preferred stock$0
Common stock$100
Surplus$2,500
Undivided profits $7,030
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 $1,629
Earning assets $0
Long-term assets (5+ years) $289
Average Assets, year-to-date $73,699
Average Assets, quarterly $15,458
Volatile liabilities $77,620
Insider loans $78,342
FHLB advances $37,213
Loans and leases held for sale $77,495
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,630
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $321
Derivatives$802
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,690
Total interest expense $480
Net interest income $2,210
Provision for loan and lease losses $50
Total noninterest income $191
Fiduciary activities $0
Service charges on deposit accounts $117
Trading account gains & fees $0
Additional noninterest income $74
Total noninterest expense $1,632
Salaries and employee benefits $861
Premises and equipment expense $140
Additional noninterest expense $631
Pre-tax net operating income $719
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $719
Extraordinary gains - net $0
Net income attributable to bank $719
Net charge-offs $0
Cash dividends $719
Sale, conversion, retirement of capital stock, net $2
Net operating income $600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.67%
Cost of funding earning assets 0.66%
Net interest margin 3.02%
Noninterest income to earning assets 0.26%
Noninterest expense to earning assets 2.23%
Net operating income to assets 0.93%
Return on assets (ROA) 0.93%
Pretax return on assets 0.93%
Return on equity (ROE) 7.46%
Retained earnings to average equity (YTD only) 1.23%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 2500.00%
Efficiency ratio384.50%
Assets per employee$67,972
Cash dividends to net income (YTD only)4.37%
Condition Ratios (%)
Loss allowance to loans 83.45%
Loss allowance to noncurrent loans 0.47%
Noncurrent assets plus other real estate owned to assets 11.48%
Noncurrent loans to loans 2.80%
Net loans and leases to deposits4.12%
Net loans and leases to core deposits 57.12%
Equity capital to assets 61.98%
Core capital (leverage) ratio 12.23%
Tier 1 risk-based capital ratio 12.43%
Total risk-based capital ratio 25.88%
Memoranda
Average assets$26
Average earning assets$77,620
Average equity $9,637
Average loans $73,282
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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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