The Security National Bank and Trust Co. in Springfield, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 20, 2008

  • The Security National Bank and Trust Co. in Springfield, Ohio (OH)
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The Security National Bank and Trust Co. - Overview

  • General
  • FDIC Certificate #: 6655
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Park National Bank (#6653)
    Federal Reserve ID: 429526
    Date Established: June 05, 1915
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 21 (Interstate: No)
    OTS Docket #: 15801
    FDIC's unique #: 4460
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 20, 2008
    Last Structure Change Process Date: September 29, 2008
    Last Data Update: September 29, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 40 South Limestone Street, Springfield, OH 45501
    County: Clark
    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
    Metropolitan Statistical Area (MSA): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Springfield, OH (#44220)
    CBSA Metro Statistical Area: Springfield, OH (#44220)
  • Financial Summary
  • Total assets: $808.2 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, 2007)

  • Dollar figures in thousands
  • 251Total employees (full-time equivalent)
  • $813,671Total assets
  • $26,666Cash and due from depository institutions
  • $438Interest-bearing balances
  • $261,280Securities
  • $27,107Federal funds sold & reverse repurchase agreements
  • $442,104Net loans & leases
  • $8,405Loan loss allowance
  • $0Trading account assets
  • $5,127Bank premises and fixed assets
  • $675Other real estate owned
  • $8,458Goodwill and other intangibles
  • $22,536Life insurance assets
  • $42,254All other assets
  • $813,671Total liabilities and capital
  • $766,837Total liabilities
  • $561,889Total deposits
  • $440,099Interest-bearing deposits
  • $561,889Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $71,187Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $118,230Other borrowed funds
  • $0Subordinated debt
  • $15,531All other liabilities
  • $46,834Total equity capital
  • $46,834Total bank equity capital
  • $46,834Perpetual preferred stock
  • $0Common stock
  • $2,699Surplus
  • $33,161Undivided profits
  • Memoranda
  • $10,974Noncurrent loans and leases
  • $166,572Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,443Earning assets
  • $0Long-term assets (5+ years)
  • $4,142Average Assets, year-to-date
  • $730,929Average Assets, quarterly
  • $301,010Volatile liabilities
  • $820,905Insider loans
  • $798,238FHLB advances
  • $221,369Loans and leases held for sale
  • $12,157Unused loan commitments
  • $117,490Tier 1 (core) risk-based capital
  • $839Tier 2 risk-based capital
  • $131Total risk weighted assets
  • $166,572Total unused commitments
  • $0Restructured Loans and leases
  • $8,034Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $50,169Total interest income
  • $20,178Total interest expense
  • $29,991Net interest income
  • $900Provision for loan and lease losses
  • $9,596Total noninterest income
  • $2,653Fiduciary activities
  • $2,994Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,949Additional noninterest income
  • $21,190Total noninterest expense
  • $11,368Salaries and employee benefits
  • $2,289Premises and equipment expense
  • $7,533Additional noninterest expense
  • $17,497Pre-tax net operating income
  • $0Securities gains (losses)
  • $5,598Applicable income taxes
  • $11,899Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,899Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $1,810Sale, conversion, retirement of capital stock, net
  • $12,100Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.77%Yield on earning assets
  • 2.72%Cost of funding earning assets
  • 4.05%Net interest margin
  • 1.29%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 1.45%Net operating income to assets
  • 1.45%Return on assets (ROA)
  • 2.13%Pretax return on assets
  • 25.65%Return on equity (ROE)
  • -0.43%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 49.72%Credit loss provision to net charge-offs
  • 10.16%Efficiency ratio
  • 52,820Assets per employee
  • 3.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 101.69%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 189.17%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 78.68%Net loans and leases to core deposits
  • 85.86%Equity capital to assets
  • 5.76%Core capital (leverage) ratio
  • 5.97%Tier 1 risk-based capital ratio
  • 9.22%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $820,905Average earning assets
  • $46,393Average equity
  • $741,136Average loans

Total Fiduciary and Related Assets (December 31, 2007)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $656,449Managed Assets
  • 1Number of Accounts
  • $336,235Personal trust and agency accounts
  • $162,114Employee benefit-defined contribution accounts
  • $13,398Employee benefit-defined benefit accounts
  • $3,618Other retirement accounts
  • $16,867Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $140,238Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 938Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $320,214Other retirement accounts
  • $272,516Corporate trust and agency accounts
  • $23,902Other fiduciary accounts
  • $23,300Fiduciary accounts held in foreign offices

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