The Vinton County National Bank of McArthur in Mcarthur, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Vinton County National Bank of McArthur - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 219Total employees (full-time equivalent)
  • $726,083Total assets
  • $30,479Cash and due from depository institutions
  • $19,753Interest-bearing balances
  • $212,116Securities
  • $4,217Federal funds sold & reverse repurchase agreements
  • $452,456Net loans & leases
  • $5,972Loan loss allowance
  • $0Trading account assets
  • $11,513Bank premises and fixed assets
  • $883Other real estate owned
  • $4,932Goodwill and other intangibles
  • $726,083Life insurance assets
  • $9,487All other assets
  • $644,702Total liabilities and capital
  • $641,303Total liabilities
  • $60,355Total deposits
  • $641,303Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 816.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $300Trading liabilities
  • $0Other borrowed funds
  • $2,283Subordinated debt
  • $81,381All other liabilities
  • $81,381Total equity capital
  • $81,381Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $13,799Surplus
  • $65,082Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $409Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,851Income earned, not collected on loans
  • $0Earning assets
  • $1,403Long-term assets (5+ years)
  • $688,542Average Assets, year-to-date
  • $264,343Average Assets, quarterly
  • $720,493Volatile liabilities
  • $731,578Insider loans
  • $499,140FHLB advances
  • $725,474Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $75,023Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $55,775Restructured Loans and leases
  • $2,525Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $34,238Total interest income
  • $6,115Total interest expense
  • $28,123Net interest income
  • $2,832Provision for loan and lease losses
  • $3,208Total noninterest income
  • $0Fiduciary activities
  • $3,445Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$237Additional noninterest income
  • $20,178Total noninterest expense
  • $11,035Salaries and employee benefits
  • $2,427Premises and equipment expense
  • $6,716Additional noninterest expense
  • $8,321Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,898Applicable income taxes
  • $6,423Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,423Net income attributable to bank
  • $0Net charge-offs
  • $6,423Cash dividends
  • $2,820Sale, conversion, retirement of capital stock, net
  • $1,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.12%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 8.16%Return on equity (ROE)
  • 6.89%Retained earnings to average equity (YTD only)
  • 0.61%Net charge-offs to loans
  • 100.43%Credit loss provision to net charge-offs
  • 3.95%Efficiency ratio
  • 63,978Assets per employee
  • 3.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.57%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 46.47%Noncurrent assets plus other real estate owned to assets
  • 1.89%Noncurrent loans to loans
  • 2.80%Net loans and leases to deposits
  • 70.55%Net loans and leases to core deposits
  • 74.64%Equity capital to assets
  • 11.21%Core capital (leverage) ratio
  • 10.34%Tier 1 risk-based capital ratio
  • 15.03%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $720,493Average earning assets
  • $78,735Average equity
  • $683,404Average loans

List of branches

  • 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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