The Vinton County National Bank of McArthur in Mcarthur, Ohio (OH)



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The Vinton County National Bank of McArthur routing number info

Table of contents:
The Vinton County National Bank of McArthur
GeneralFDIC Certificate #: 6636
Status: Active
Federal Reserve ID: 754826
Bank Holding Company (Regulatory Top Holder): Community Bancshares, Inc. (RSSDID: 1070765, Location: Mcarthur, OH)
Date Established: January 01, 1867
WWW: http://www.vintoncountybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 14 (Domestic: 14, Interstate: No)
FDIC's unique #: 4446
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 21, 2009
Last Structure Change Process Date: Febuary 27, 2009
Last Data Update: Febuary 27, 2009
Data Source Date: April 05, 2012
LocationAddress: 112 1/2 West Main Street, Mcarthur, OH 45651
County: Vinton
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
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $726.1 mil
Equity capital: $81.4 mil
Deposits held in domestic offices: $641.3 mil
Return on assets (ROA): 0.89% ($6.5 mil)
Quarterly return on assets: 0.87% ($6.3 mil)
Return on Equity (ROE): 8.16% ($6.6 mil)
Quarterly return on equity: 7.90% ($6.4 mil)
Net income: $6.4 mil
Quarterly Net income: $1.6 mil
Pretax return on assets: 1.15% ($8,350.0 mil)
Quarterly Pretax return on assets: 1.12% ($8,132.1 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)
Total employees (full-time equivalent)219
Total assets$726,083
Cash and due from depository institutions$30,479
Interest-bearing balances$19,753
Securities$212,116
Federal funds sold & reverse repurchase agreements$4,217
Net loans & leases$452,456
Loan loss allowance $5,972
Trading account assets$0
Bank premises and fixed assets$11,513
Other real estate owned$883
Goodwill and other intangibles$4,932
All other assets$9,487
Life insurance assets$726,083
Total liabilities and capital$644,702
Total liabilities$641,303
Total deposits$60,355
Interest-bearing deposits$641,303
Deposits held in domestic offices$90
% insured (estimated)816.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$300
Other borrowed funds $0
Subordinated debt $2,283
All other liabilities $81,381
Total equity capital$81,381
Total bank equity capital$81,381
Perpetual preferred stock$0
Common stock$2,500
Surplus$13,799
Undivided profits $65,082
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $409
Income earned, not collected on loans $12,851
Earning assets $0
Long-term assets (5+ years) $1,403
Average Assets, year-to-date $688,542
Average Assets, quarterly $264,343
Volatile liabilities $720,493
Insider loans $731,578
FHLB advances $499,140
Loans and leases held for sale $725,474
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $75,023
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $55,775
Derivatives$2,525
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $34,238
Total interest expense $6,115
Net interest income $28,123
Provision for loan and lease losses $2,832
Total noninterest income $3,208
Fiduciary activities $0
Service charges on deposit accounts $3,445
Trading account gains & fees $0
Additional noninterest income -$237
Total noninterest expense $20,178
Salaries and employee benefits $11,035
Premises and equipment expense $2,427
Additional noninterest expense $6,716
Pre-tax net operating income $8,321
Securities gains (losses) $0
Applicable income taxes $1,898
Income before extraordinary items $6,423
Extraordinary gains - net $0
Net income attributable to bank $6,423
Net charge-offs $0
Cash dividends $6,423
Sale, conversion, retirement of capital stock, net $2,820
Net operating income $1,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.01%
Cost of funding earning assets 0.89%
Net interest margin 4.12%
Noninterest income to earning assets 0.47%
Noninterest expense to earning assets 2.95%
Net operating income to assets 0.89%
Return on assets (ROA) 0.89%
Pretax return on assets 1.15%
Return on equity (ROE) 8.16%
Retained earnings to average equity (YTD only) 6.89%
Net charge-offs to loans 0.61%
Credit loss provision to net charge-offs 100.43%
Efficiency ratio3.95%
Assets per employee$63,978
Cash dividends to net income (YTD only)3.32%
Condition Ratios (%)
Loss allowance to loans 15.57%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 46.47%
Noncurrent loans to loans 1.89%
Net loans and leases to deposits2.80%
Net loans and leases to core deposits 70.55%
Equity capital to assets 74.64%
Core capital (leverage) ratio 11.21%
Tier 1 risk-based capital ratio 10.34%
Total risk-based capital ratio 15.03%
Memoranda
Average assets$16
Average earning assets$720,493
Average equity $78,735
Average loans $683,404
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14 Ohio Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04446The Vinton County National Bank Of M112 1/2 West Main Street, Mcarthur, OH 45651January 01, 1867Full Service Brick and Mortar
2211690Wilkesville BranchState Routes 160 And 689, Wilkesville Township, OH 45695September 24, 1984Full Service Brick and Mortar
3273008Western Avenue Branch775 Western Avenue, Chillicothe, OH 45601August 01, 1934Full Service Brick and Mortar
4273024Main Street Branch222 E Main St, Chillicothe, OH 45601June 30, 1986Full Service Brick and Mortar
58550Salt Creek Valley Bank Branch18627 Main Street, Laurelville, OH 43135April 10, 1923Full Service Brick and Mortar
6365508Young's Family Market Branch15986 State Route 56, Laurelville, OH 43135August 21, 2002Full Service Retail
7427996Tarlton Branch195 West Main Street, Laurelville, OH 43135April 26, 2004Full Service Brick and Mortar
8211604Richmond Dale Branch206 Church Street, Richmond Dale, OH 45673December 04, 1978Full Service Brick and Mortar
9359691Logan Branch399 West Front Street, Logan, OH 43138April 02, 2001Full Service Brick and Mortar
106075First Bremen Bank Branch119 Main Street, Bremen, OH 43107January 01, 1898Full Service Brick and Mortar
11220182Lancaster Branch521 East Main Street, Lancaster, OH 43130December 15, 1985Full Service Brick and Mortar
12269969West Fair Branch1971 West Fair Avenue, Lancaster, OH 43130January 01, 1887Full Service Brick and Mortar
13364278Canal Winchester Branch6360 Prentiss School Drive, Canal Winchester, OH 43110July 08, 2002Full Service Brick and Mortar
14457819Pataskala Branch700 Corylus Drive, Pataskala, OH 43062December 19, 2006Full Service Brick and Mortar
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