The Settlers Bank in Marietta, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Settlers Bank - Overview

  • General
  • FDIC Certificate #: 35060
    Status: Active
    Federal Reserve ID: 2747279
    Bank Holding Company (Regulatory Top Holder): Third Street Bancshares, Inc. (RSSDID: 2747288, Location: Marietta, OH)
    Date Established: July 19, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 74364
    Numeric code: 13
    Regulator: FED
    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: July 19, 1999
    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: 115-121 Third Street, Marietta, OH 45750
    County: Washington
    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): Parkersburg-Marietta, WV-OH (#6020)
    Core Based Statistical Area (CBSA): Parkersburg-Marietta-Vienna, WV-OH (#37620)
    CBSA Metro Statistical Area: Parkersburg-Marietta-Vienna, WV-OH (#37620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $111.4 mil
    Equity capital: $11.1 mil
    Deposits held in domestic offices: $95.2 mil
    Return on assets (ROA): 0.90% ($1.0 mil)
    Quarterly return on assets: 0.91% ($1.0 mil)
    Return on Equity (ROE): 8.75% ($1.0 mil)
    Quarterly return on equity: 8.90% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.37% ($1,526.4 mil)
    Quarterly Pretax return on assets: 1.41% ($1,571.0 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
  • 20Total employees (full-time equivalent)
  • $111,418Total assets
  • $14,172Cash and due from depository institutions
  • $12,540Interest-bearing balances
  • $5,549Securities
  • $2,057Federal funds sold & reverse repurchase agreements
  • $84,182Net loans & leases
  • $1,200Loan loss allowance
  • $0Trading account assets
  • $1,641Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $111,418Life insurance assets
  • $3,817All other assets
  • $100,333Total liabilities and capital
  • $95,216Total liabilities
  • $77,459Total deposits
  • $95,216Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,508Trading liabilities
  • $0Other borrowed funds
  • $609Subordinated debt
  • $11,085All other liabilities
  • $11,085Total equity capital
  • $11,085Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $5,998Surplus
  • $4,087Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $216Income earned, not collected on loans
  • $0Earning assets
  • $311Long-term assets (5+ years)
  • $104,328Average Assets, year-to-date
  • $19,505Average Assets, quarterly
  • $104,410Volatile liabilities
  • $107,912Insider loans
  • $77,345FHLB advances
  • $106,038Loans and leases held for sale
  • $2,348Unused loan commitments
  • $2,348Tier 1 (core) risk-based capital
  • $11,039Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,598Restructured Loans and leases
  • $1,271Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,579Total interest income
  • $1,052Total interest expense
  • $3,527Net interest income
  • $145Provision for loan and lease losses
  • $415Total noninterest income
  • $0Fiduciary activities
  • $191Service charges on deposit accounts
  • $0Trading account gains & fees
  • $224Additional noninterest income
  • $2,363Total noninterest expense
  • $1,229Salaries and employee benefits
  • $194Premises and equipment expense
  • $940Additional noninterest expense
  • $1,434Pre-tax net operating income
  • $0Securities gains (losses)
  • $492Applicable income taxes
  • $942Income before extraordinary items
  • $0Extraordinary gains - net
  • $942Net income attributable to bank
  • $0Net charge-offs
  • $942Cash dividends
  • $20Sale, conversion, retirement of capital stock, net
  • $368Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.90%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 8.75%Return on equity (ROE)
  • 5.33%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 725.00%Credit loss provision to net charge-offs
  • 78.95%Efficiency ratio
  • 59,944Assets per employee
  • 5.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.07%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 555.56%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 88.41%Net loans and leases to core deposits
  • 96.45%Equity capital to assets
  • 9.95%Core capital (leverage) ratio
  • 10.41%Tier 1 risk-based capital ratio
  • 14.27%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $104,410Average earning assets
  • $10,765Average equity
  • $97,241Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074364The Settlers Bank115-121 Third Street, Marietta, OH 45750July 19, 1999Full Service Brick and Mortar

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