The Peoples National Bank of New Lexington in New Lexington, Ohio (OH)

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The Peoples National Bank of New Lexington
GeneralFDIC Certificate #: 6659
Status: Active
Federal Reserve ID: 431323
Bank Holding Company (Regulatory Top Holder): Peoples National Bancshares, Inc. (RSSDID: 2438399, Location: New Lexington, OH)
Date Established: Febuary 15, 1932
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: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 13552
FDIC's unique #: 4462
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: Consumer Lending Specialization
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: 110 North Main Street, New Lexington, OH 43764
County: Perry
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: $107.6 mil
Equity capital: $11.3 mil
Deposits held in domestic offices: $95.8 mil
Return on assets (ROA): 0.68% ($0.7 mil)
Quarterly return on assets: 0.86% ($0.9 mil)
Return on Equity (ROE): 6.77% ($0.7 mil)
Quarterly return on equity: 8.38% ($0.9 mil)
Net income: $0.7 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.90% ($968.6 mil)
Quarterly Pretax return on assets: 1.18% ($1,270.0 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)41
Total assets$107,625
Cash and due from depository institutions$3,397
Interest-bearing balances$0
Federal funds sold & reverse repurchase agreements$983
Net loans & leases$80,163
Loan loss allowance $623
Trading account assets$0
Bank premises and fixed assets$2,171
Other real estate owned$500
Goodwill and other intangibles$965
All other assets$1,905
Life insurance assets$107,625
Total liabilities and capital$96,344
Total liabilities$95,802
Total deposits$79,128
Interest-bearing deposits$95,802
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $542
All other liabilities $11,281
Total equity capital$11,281
Total bank equity capital$11,281
Perpetual preferred stock$0
Common stock$150
Undivided profits $10,881
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 $968
Earning assets $0
Long-term assets (5+ years) $355
Average Assets, year-to-date $98,687
Average Assets, quarterly $29,690
Volatile liabilities $109,182
Insider loans $109,619
FHLB advances $69,639
Loans and leases held for sale $109,909
Unused loan commitments $807
Tier 1 (core) risk-based capital $807
Tier 2 risk-based capital $9,975
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,254
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,030
Total interest expense $725
Net interest income $4,305
Provision for loan and lease losses $252
Total noninterest income $566
Fiduciary activities $0
Service charges on deposit accounts $204
Trading account gains & fees $0
Additional noninterest income $362
Total noninterest expense $3,745
Salaries and employee benefits $1,963
Premises and equipment expense $477
Additional noninterest expense $1,305
Pre-tax net operating income $874
Securities gains (losses) $109
Applicable income taxes $240
Income before extraordinary items $743
Extraordinary gains - net $0
Net income attributable to bank $743
Net charge-offs $0
Cash dividends $743
Sale, conversion, retirement of capital stock, net $248
Net operating income $305
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.03%
Cost of funding earning assets 0.72%
Net interest margin 4.30%
Noninterest income to earning assets 0.57%
Noninterest expense to earning assets 3.74%
Net operating income to assets 0.60%
Return on assets (ROA) 0.68%
Pretax return on assets 0.90%
Return on equity (ROE) 6.77%
Retained earnings to average equity (YTD only) 3.99%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 101.61%
Efficiency ratio4.54%
Assets per employee$76,268
Cash dividends to net income (YTD only)2.63%
Condition Ratios (%)
Loss allowance to loans 41.05%
Loss allowance to noncurrent loans 0.77%
Noncurrent assets plus other real estate owned to assets 64.36%
Noncurrent loans to loans 1.36%
Net loans and leases to deposits1.20%
Net loans and leases to core deposits 83.68%
Equity capital to assets 87.53%
Core capital (leverage) ratio 10.48%
Tier 1 risk-based capital ratio 9.08%
Total risk-based capital ratio 14.32%
Average assets$15
Average earning assets$109,182
Average equity $10,971
Average loans $100,021
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5 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04462The Peoples National Bank Of New Lex110 North Main Street, New Lexington, OH 43764Febuary 15, 1932Full Service Brick and Mortar
1211804Plaza Branch375 Lincoln Park Drive, New Lexington, OH 43764Febuary 10, 1993Full Service Brick and Mortar
2211805Junction City Branch106 East Main Street, Junction City, OH 43748October 13, 1999Full Service Brick and Mortar
3419617Thornville Branch14806 Zion Road, Thornville, OH 43076October 07, 2002Full Service Brick and Mortar
4269477Roseville55 N Main Street, Roseville, OH 43777January 01, 1887Full Service Brick and Mortar
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