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The First Central National Bank of St. Paris

Overview / Commentary
937-663-4186
103 South Springfield
St. Paris, OH 43072

The First Central National Bank of St. Paris is headquartered in St. Paris and is the 162nd largest bank in the state of Ohio. It is also the 5,043rd largest bank in the nation. It was established in 1880 and as of June of 2014, it had grown to 23 employees at 3 locations. The First Central National Bank of St. Paris' savings rates are 3X the national average, and it has a B+ health rating.

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Health

Data for Q2 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. The First Central National Bank of St. Paris has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 The First Central National Bank of St. Paris had $151,000 in non-current loans and owned real-estate with $14.6 million in equity and loan loss allowances on hand to cover it. This gives The First Central National Bank of St. Paris a Texas Ratio of 1.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for The First Central National Bank of St. Paris decreased slightly from 1.22% as of June 30, 2013 to 1.03% as of June 30, 2014, resulting in a positive change of 15.40%.This indicates that the balance sheet and financial strength for The First Central National Bank of St. Paris has improved slightly in recent periods.

Deposit Growth

GRADE:
C

In the past year, The First Central National Bank of St. Paris has decreased its total deposits by -$1.59 million, resulting in -2.24% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The First Central National Bank of St. Paris has shown is average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The First Central National Bank of St. Paris has $84.57 million in assets with $14.6 million in equity, resulting in a capitalization level of 17.27%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #15214
Year Established1880
Employees23
Primary RegulatorOCC
Assets and Liabilities
Assets$84.57 million
Loans$51.16 million
Deposits$69.33 million
Equity Capital$14.13 million
Loan Loss Allowance$474,000
Unbacked Noncurrent Loans$151,000
Real Estate Owned$0
Historic Data - June 2013
Assets$85.48 million
Equity Capital$13.50 million
Loan Loss Allowance$491,000
Unbacked Noncurrent Loans$151,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.72%
Return on Equity4.42%
Interest Income$1.47 million
Rates

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The First Central National Bank of St. Paris Savings Account Rates

DetailsAPYMINMAXPRODUCT
1.56%$100-IRA
0.35%$10k-Health Savings Account
0.10%$50-Statement Savings

The First Central National Bank of St. Paris Money Market Rates

DetailsAPYMINMAXPRODUCT
0.15%$2,500-Money Market Account

The First Central National Bank of St. Paris Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$1k-Now Checking
0.10%$2,500-Super NOW

The First Central National Bank of St. Paris CD Rates

DetailsAPYMINMAXPRODUCT
1.53%$1k-48 Month CD
0.95%$1k-30 Month CD
0.70%$1k-18 Month CD
0.55%$1k-15 Month CD
0.51%$1k-12 Month CD
0.25%$1k-182 Day CD
0.15%$1k-91 Day CD
Locations


The First Central National Bank of St. Paris Locations
The First Central National Bank Of St. Paris103 South SpringfieldSt. Paris, OH 43072
West Branch272 West Main StreetSt. Paris, OH 43072
Rosewood BranchMain SquareRosewood, OH 43070
Christiansburg BranchTwo East Pike StreetChristiansburg, OH 45389