The Osgood State Bank in Osgood, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Osgood State Bank - Overview

  • General
  • FDIC Certificate #: 9137
    Status: Active
    Federal Reserve ID: 313223
    Bank Holding Company (Regulatory Top Holder): Osb Bancorp, Inc. (RSSDID: 2582452, Location: Osgood, OH)
    Date Established: January 01, 1915
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 5851
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 275 West Main Street, Osgood, OH 45351
    County: Darke
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Greenville, OH (#24820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $130.9 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $111.3 mil
    Return on assets (ROA): 1.17% ($1.5 mil)
    Quarterly return on assets: 1.57% ($2.1 mil)
    Return on Equity (ROE): 11.09% ($1.7 mil)
    Quarterly return on equity: 14.03% ($2.1 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.46% ($1,911.7 mil)
    Quarterly Pretax return on assets: 2.08% ($2,723.6 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
  • 38Total employees (full-time equivalent)
  • $130,940Total assets
  • $8,837Cash and due from depository institutions
  • $3,237Interest-bearing balances
  • $51,499Securities
  • $1,905Federal funds sold & reverse repurchase agreements
  • $60,448Net loans & leases
  • $2,076Loan loss allowance
  • $0Trading account assets
  • $2,225Bank premises and fixed assets
  • $273Other real estate owned
  • $1,370Goodwill and other intangibles
  • $130,940Life insurance assets
  • $4,383All other assets
  • $116,228Total liabilities and capital
  • $111,257Total liabilities
  • $90,185Total deposits
  • $111,257Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,753Trading liabilities
  • $0Other borrowed funds
  • $2,218Subordinated debt
  • $14,712All other liabilities
  • $14,712Total equity capital
  • $14,712Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $12,712Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,066Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,647Income earned, not collected on loans
  • $0Earning assets
  • $555Long-term assets (5+ years)
  • $117,089Average Assets, year-to-date
  • $48,298Average Assets, quarterly
  • $129,323Volatile liabilities
  • $131,045Insider loans
  • $75,037FHLB advances
  • $129,319Loans and leases held for sale
  • $2,310Unused loan commitments
  • $1,350Tier 1 (core) risk-based capital
  • $12,277Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $960Total unused commitments
  • $12,181Restructured Loans and leases
  • $1,633Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,950Total interest income
  • $1,088Total interest expense
  • $4,862Net interest income
  • $185Provision for loan and lease losses
  • $1,067Total noninterest income
  • $0Fiduciary activities
  • $210Service charges on deposit accounts
  • $0Trading account gains & fees
  • $857Additional noninterest income
  • $4,099Total noninterest expense
  • $1,854Salaries and employee benefits
  • $817Premises and equipment expense
  • $1,428Additional noninterest expense
  • $1,645Pre-tax net operating income
  • $248Securities gains (losses)
  • $382Applicable income taxes
  • $1,511Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,511Net income attributable to bank
  • $0Net charge-offs
  • $1,511Cash dividends
  • $207Sale, conversion, retirement of capital stock, net
  • $571Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.92%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 11.09%Return on equity (ROE)
  • 6.90%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 89.37%Credit loss provision to net charge-offs
  • 8.84%Efficiency ratio
  • 69,135Assets per employee
  • 3.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.79%Loss allowance to loans
  • 3.32%Loss allowance to noncurrent loans
  • 126.05%Noncurrent assets plus other real estate owned to assets
  • 1.47%Noncurrent loans to loans
  • 2.63%Net loans and leases to deposits
  • 54.33%Net loans and leases to core deposits
  • 55.22%Equity capital to assets
  • 11.24%Core capital (leverage) ratio
  • 9.49%Tier 1 risk-based capital ratio
  • 16.36%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $129,323Average earning assets
  • $13,621Average equity
  • $116,609Average loans

List of branches

  • 4 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05851The Osgood State Bank275 West Main Street, Osgood, OH 45351January 01, 1915Full Service Brick and Mortar
    1219505Fort Loramie Branch500 Park Street, Fort Loramie, OH 45845May 16, 1994Full Service Brick and Mortar
    2222831Marion Township Branch79 West Franklin St, Chickasaw, OH 45826August 05, 1974Full Service Brick and Mortar
    3479938Lakeview Branch165 East Lake Avenue, Lakeview, OH 43331June 26, 2008Full Service Brick and Mortar

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