The Peoples National Bank of New Lexington in New Lexington, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples National Bank of New Lexington - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 41Total employees (full-time equivalent)
  • $107,625Total assets
  • $3,397Cash and due from depository institutions
  • $0Interest-bearing balances
  • $17,541Securities
  • $983Federal funds sold & reverse repurchase agreements
  • $80,163Net loans & leases
  • $623Loan loss allowance
  • $0Trading account assets
  • $2,171Bank premises and fixed assets
  • $500Other real estate owned
  • $965Goodwill and other intangibles
  • $107,625Life insurance assets
  • $1,905All other assets
  • $96,344Total liabilities and capital
  • $95,802Total liabilities
  • $79,128Total deposits
  • $95,802Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $542Subordinated debt
  • $11,281All other liabilities
  • $11,281Total equity capital
  • $11,281Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $250Surplus
  • $10,881Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $968Income earned, not collected on loans
  • $0Earning assets
  • $355Long-term assets (5+ years)
  • $98,687Average Assets, year-to-date
  • $29,690Average Assets, quarterly
  • $109,182Volatile liabilities
  • $109,619Insider loans
  • $69,639FHLB advances
  • $109,909Loans and leases held for sale
  • $807Unused loan commitments
  • $807Tier 1 (core) risk-based capital
  • $9,975Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,254Restructured Loans and leases
  • $3,620Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,030Total interest income
  • $725Total interest expense
  • $4,305Net interest income
  • $252Provision for loan and lease losses
  • $566Total noninterest income
  • $0Fiduciary activities
  • $204Service charges on deposit accounts
  • $0Trading account gains & fees
  • $362Additional noninterest income
  • $3,745Total noninterest expense
  • $1,963Salaries and employee benefits
  • $477Premises and equipment expense
  • $1,305Additional noninterest expense
  • $874Pre-tax net operating income
  • $109Securities gains (losses)
  • $240Applicable income taxes
  • $743Income before extraordinary items
  • $0Extraordinary gains - net
  • $743Net income attributable to bank
  • $0Net charge-offs
  • $743Cash dividends
  • $248Sale, conversion, retirement of capital stock, net
  • $305Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.03%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 4.30%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 6.77%Return on equity (ROE)
  • 3.99%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 101.61%Credit loss provision to net charge-offs
  • 4.54%Efficiency ratio
  • 76,268Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.05%Loss allowance to loans
  • 0.77%Loss allowance to noncurrent loans
  • 64.36%Noncurrent assets plus other real estate owned to assets
  • 1.36%Noncurrent loans to loans
  • 1.20%Net loans and leases to deposits
  • 83.68%Net loans and leases to core deposits
  • 87.53%Equity capital to assets
  • 10.48%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 14.32%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $109,182Average earning assets
  • $10,971Average equity
  • $100,021Average loans

List of branches

  • 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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