The Rockhold, Brown & Company Bank in Bainbridge, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Rockhold, Brown & Company Bank - Overview

  • General
  • FDIC Certificate #: 16193
    Status: Active
    Federal Reserve ID: 235316
    Bank Holding Company (Regulatory Top Holder): Rockhold-Brown Bancshares, Inc. (RSSDID: 2855576, Location: Bainbridge, OH)
    Date Established: August 09, 1867
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 10396
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 28, 1944
    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: 101 East Main Street, Bainbridge, OH 45612
    County: Ross
    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
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Chillicothe, OH (#17060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $37.9 mil
    Equity capital: $3.0 mil
    Deposits held in domestic offices: $32.0 mil
    Return on assets (ROA): -1.05% (-$0.4 mil)
    Quarterly return on assets: -1.59% (-$0.6 mil)
    Return on Equity (ROE): -12.09% (-$0.4 mil)
    Quarterly return on equity: -19.35% (-$0.6 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.2 mil
    Pretax return on assets: -1.24% (-$470.0 mil)
    Quarterly Pretax return on assets: -2.09% (-$792.2 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
  • 19Total employees (full-time equivalent)
  • $37,906Total assets
  • $7,512Cash and due from depository institutions
  • $5,351Interest-bearing balances
  • $1,975Securities
  • $740Federal funds sold & reverse repurchase agreements
  • $25,299Net loans & leases
  • $566Loan loss allowance
  • $0Trading account assets
  • $952Bank premises and fixed assets
  • $560Other real estate owned
  • $41Goodwill and other intangibles
  • $37,906Life insurance assets
  • $827All other assets
  • $34,860Total liabilities and capital
  • $31,980Total liabilities
  • $26,293Total deposits
  • $31,980Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,740Trading liabilities
  • $0Other borrowed funds
  • $140Subordinated debt
  • $3,046All other liabilities
  • $3,046Total equity capital
  • $3,046Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $530Surplus
  • $2,016Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,295Income earned, not collected on loans
  • $0Earning assets
  • $167Long-term assets (5+ years)
  • $33,365Average Assets, year-to-date
  • $7,149Average Assets, quarterly
  • $38,425Volatile liabilities
  • $38,072Insider loans
  • $23,587FHLB advances
  • $38,323Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,042Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,365Restructured Loans and leases
  • $479Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,101Total interest income
  • $480Total interest expense
  • $1,621Net interest income
  • $715Provision for loan and lease losses
  • $306Total noninterest income
  • $0Fiduciary activities
  • $179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $127Additional noninterest income
  • $1,689Total noninterest expense
  • $827Salaries and employee benefits
  • $152Premises and equipment expense
  • $710Additional noninterest expense
  • -$477Pre-tax net operating income
  • $0Securities gains (losses)
  • -$75Applicable income taxes
  • -$402Income before extraordinary items
  • $0Extraordinary gains - net
  • -$402Net income attributable to bank
  • $0Net charge-offs
  • -$402Cash dividends
  • $582Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.19%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 4.78%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 4.98%Noninterest expense to earning assets
  • -1.05%Net operating income to assets
  • -1.05%Return on assets (ROA)
  • -1.24%Pretax return on assets
  • -12.09%Return on equity (ROE)
  • -12.09%Retained earnings to average equity (YTD only)
  • 2.14%Net charge-offs to loans
  • 122.85%Credit loss provision to net charge-offs
  • 0.41%Efficiency ratio
  • 87,649Assets per employee
  • 2.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 24.66%Noncurrent assets plus other real estate owned to assets
  • 7.53%Noncurrent loans to loans
  • 8.87%Net loans and leases to deposits
  • 79.11%Net loans and leases to core deposits
  • 81.49%Equity capital to assets
  • 8.04%Core capital (leverage) ratio
  • 7.94%Tier 1 risk-based capital ratio
  • 12.90%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $38,425Average earning assets
  • $3,325Average equity
  • $33,940Average loans

List of branches

  • 2 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010396The Rockhold, Brown & Company Bank101 East Main Street, Bainbridge, OH 45612August 09, 1867Full Service Brick and Mortar
    1510938The Rockhold, Brown & Company Bank Branch11125 North Shore Drive, Hillsboro, OH 45133October 31, 2009Full Service Brick and Mortar

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