The Salt Creek Valley Bank in Laurelville, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 17, 2007

  • The Salt Creek Valley Bank in Laurelville, Ohio (OH)
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The Salt Creek Valley Bank - Overview

  • General
  • FDIC Certificate #: 13677
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Vinton County National Bank of McArthur (#6636)
    Federal Reserve ID: 838427
    Date Established: April 10, 1923
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 8550
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 17, 1934
    Last Structure Change Effective Date: August 17, 2007
    Last Structure Change Process Date: September 13, 2007
    Last Data Update: September 13, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 18627 Main Street, Laurelville, OH 43135
    County: Hocking
    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
  • Financial Summary
  • Total assets: $35.4 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, 2006)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $34,562Total assets
  • $2,989Cash and due from depository institutions
  • $0Interest-bearing balances
  • $8,055Securities
  • $153Federal funds sold & reverse repurchase agreements
  • $22,175Net loans & leases
  • $180Loan loss allowance
  • $0Trading account assets
  • $690Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $500All other assets
  • $34,562Total liabilities and capital
  • $30,013Total liabilities
  • $29,928Total deposits
  • $24,176Interest-bearing deposits
  • $29,928Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $85All other liabilities
  • $4,549Total equity capital
  • $4,549Total bank equity capital
  • $4,549Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $500Undivided profits
  • Memoranda
  • $3,549Noncurrent loans and leases
  • $528Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $272Earning assets
  • $0Long-term assets (5+ years)
  • $246Average Assets, year-to-date
  • $30,383Average Assets, quarterly
  • $4,554Volatile liabilities
  • $34,098Insider loans
  • $34,119FHLB advances
  • $3,276Loans and leases held for sale
  • $481Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $528Total unused commitments
  • $0Restructured Loans and leases
  • $180Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $1,988Total interest income
  • $533Total interest expense
  • $1,455Net interest income
  • $0Provision for loan and lease losses
  • $382Total noninterest income
  • $0Fiduciary activities
  • $308Service charges on deposit accounts
  • $0Trading account gains & fees
  • $74Additional noninterest income
  • $1,430Total noninterest expense
  • $690Salaries and employee benefits
  • $203Premises and equipment expense
  • $537Additional noninterest expense
  • $407Pre-tax net operating income
  • $2Securities gains (losses)
  • $125Applicable income taxes
  • $284Income before extraordinary items
  • $0Extraordinary gains - net
  • $284Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $44Sale, conversion, retirement of capital stock, net
  • $180Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.54%Yield on earning assets
  • 1.75%Cost of funding earning assets
  • 4.79%Net interest margin
  • 1.26%Noninterest income to earning assets
  • 4.70%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.83%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 6.36%Return on equity (ROE)
  • 2.33%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 9.25%Efficiency ratio
  • 77,844Assets per employee
  • 1.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.38%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 66.18%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.22%Net loans and leases to deposits
  • 74.09%Net loans and leases to core deposits
  • 83.20%Equity capital to assets
  • 13.16%Core capital (leverage) ratio
  • 13.40%Tier 1 risk-based capital ratio
  • 23.77%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $34,098Average earning assets
  • $4,465Average equity
  • $30,402Average loans

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