The State Bank and Trust Company in Defiance, Ohio (OH), IN
Overview, Financial Summary, Detailed Financial Reports, Branches


The State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 13339
    Status: Active
    Federal Reserve ID: 614313
    Bank Holding Company (Regulatory Top Holder): Rurban Financial Corp. (RSSDID: 1071454, Location: Defiance, OH)
    Date Established: March 28, 1902
    WWW: http://www.thebank-sbt.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 19 (Domestic: 19, Interstate: Yes)
    OTS Docket #: 11900
    FDIC's unique #: 8414
    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: January 01, 1934
    Last Structure Change Effective Date: December 01, 2008
    Last Structure Change Process Date: January 05, 2009
    Last Data Update: January 05, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Clinton Street, Defiance, OH 43512
    County: Defiance
    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
    Core Based Statistical Area (CBSA): Defiance, OH (#19580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $624.9 mil
    Equity capital: $68.7 mil
    Deposits held in domestic offices: $521.1 mil
    Return on assets (ROA): 0.77% ($4.8 mil)
    Quarterly return on assets: 1.07% ($6.7 mil)
    Return on Equity (ROE): 7.24% ($5.0 mil)
    Quarterly return on equity: 9.75% ($6.7 mil)
    Net income: $4.8 mil
    Quarterly Net income: $1.7 mil
    Pretax return on assets: 1.06% ($6,623.9 mil)
    Quarterly Pretax return on assets: 1.56% ($9,748.4 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, 2011)

  • Dollar figures in thousands
  • 182Total employees (full-time equivalent)
  • $624,898Total assets
  • $14,551Cash and due from depository institutions
  • $3,410Interest-bearing balances
  • $111,955Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $442,486Net loans & leases
  • $6,229Loan loss allowance
  • $0Trading account assets
  • $12,575Bank premises and fixed assets
  • $1,825Other real estate owned
  • $21,021Goodwill and other intangibles
  • $624,898Life insurance assets
  • $20,485All other assets
  • $556,193Total liabilities and capital
  • $521,121Total liabilities
  • $501,875Total deposits
  • $521,121Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 18779.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,776Trading liabilities
  • $0Other borrowed funds
  • $3,517Subordinated debt
  • $68,705All other liabilities
  • $68,705Total equity capital
  • $68,705Total bank equity capital
  • $0Perpetual preferred stock
  • $5,500Common stock
  • $33,927Surplus
  • $29,278Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,238Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,823Income earned, not collected on loans
  • $0Earning assets
  • $1,605Long-term assets (5+ years)
  • $557,851Average Assets, year-to-date
  • $175,911Average Assets, quarterly
  • $632,621Volatile liabilities
  • $621,972Insider loans
  • $454,345FHLB advances
  • $610,282Loans and leases held for sale
  • $12,224Unused loan commitments
  • $12,224Tier 1 (core) risk-based capital
  • $48,878Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $75,271Restructured Loans and leases
  • $484Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,638Total interest income
  • $5,297Total interest expense
  • $22,341Net interest income
  • $2,000Provision for loan and lease losses
  • $8,576Total noninterest income
  • $2,619Fiduciary activities
  • $2,341Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,616Additional noninterest income
  • $24,099Total noninterest expense
  • $11,934Salaries and employee benefits
  • $2,868Premises and equipment expense
  • $9,297Additional noninterest expense
  • $4,818Pre-tax net operating income
  • $1,871Securities gains (losses)
  • $1,846Applicable income taxes
  • $4,843Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,843Net income attributable to bank
  • $0Net charge-offs
  • $4,843Cash dividends
  • $2,486Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.95%Net interest margin
  • 1.52%Noninterest income to earning assets
  • 4.26%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 7.24%Return on equity (ROE)
  • 4.25%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 80.45%Credit loss provision to net charge-offs
  • 2.74%Efficiency ratio
  • 75,910Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.30%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 79.62%Noncurrent assets plus other real estate owned to assets
  • 1.54%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 84.91%Net loans and leases to core deposits
  • 97.29%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 8.01%Tier 1 risk-based capital ratio
  • 10.76%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $632,621Average earning assets
  • $66,870Average equity
  • $565,156Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $295,956Managed Assets
  • 1Number of Accounts
  • $228,947Personal trust and agency accounts
  • $31,711Employee benefit-defined contribution accounts
  • $32,165Employee benefit-defined benefit accounts
  • $5,276Other retirement accounts
  • $67,803Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $83,365Other fiduciary accounts
  • $8,627Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 696Number of Accounts
  • $0Personal trust and agency accounts
  • $67,803Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $67,009Other retirement accounts
  • $467Corporate trust and agency accounts
  • $56,208Other fiduciary accounts
  • $1,056Fiduciary accounts held in foreign offices

List of branches

  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    24465917Fort Wayne Branch12832 Coldwater Road, Fort Wayne, IN 46845January 02, 2007Full Service Brick and Mortar
  • 18 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08414The State Bank And Trust Company401 Clinton Street, Defiance, OH 43512March 28, 1902Full Service Brick and Mortar
    1229466Motor Branch500 Third Street, Defiance, OH 43512December 15, 1960Limited Service Facility
    3229468Northtowne Branch1600 North Clinton Street, Defiance, OH 43512July 13, 1970Full Service Brick and Mortar
    5229470Paulding Banking Center BranchMain And Caroline Streets, Paulding, OH 45879September 24, 1979Full Service Brick and Mortar
    7220192Wauseon Branch515 Parkview, Wauseon, OH 43567Febuary 04, 1963Full Service Brick and Mortar
    8478Delta Branch312 Main Street, Delta, OH 43515April 24, 1906Full Service Brick and Mortar
    9482Lyons Branch133 East Morenci Street, Lyons, OH 43533January 01, 1922Full Service Brick and Mortar
    10229472Chief Branch705 Deatrick Street, Defiance, OH 43512October 14, 1993Full Service Retail
    135726Oakwood Branch218 North First Street, Oakwood, OH 45873January 01, 1905Full Service Brick and Mortar
    1645461Market St Branch930 West Market Street, Lima, OH 45805December 31, 1988Full Service Brick and Mortar
    181366Luckey Branch235 Main Street, Luckey, OH 43443November 06, 1906Full Service Brick and Mortar
    19190822Walbridge Branch311 North Main Street, Walbridge, OH 43465March 01, 1963Full Service Brick and Mortar
    2157041Perrysburg Branch610 East South Boundary, Perrysburg, OH 43551March 06, 1995Full Service Brick and Mortar
    22290513Sylvania Branch6401 Monroe Street, Sylvania, OH 43560January 13, 1997Full Service Brick and Mortar
    26229527East Main Street Branch1201 East Main Street, Montpelier, OH 43543November 23, 1970Full Service Brick and Mortar
    275732West Unity Banking Center Branch112 East Jackson Street, West Unity, OH 43570January 01, 1888Full Service Brick and Mortar
    286585Pioneer Banking Center Branch119 South State Street, Pioneer, OH 43554January 01, 1894Full Service Brick and Mortar
    29361348Bryan Banking Center Branch1419 West High Street, Bryan, OH 43506December 14, 2000Full Service Brick and Mortar

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