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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 166th largest bank in the state of Ohio. It is also the 5,114st largest bank in the nation. It was established in 1880 and as of December of 2013, it had grown to 24 employees at 3 locations. The First Central National Bank of St. Paris has a A health rating.

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Health

Data for Q4 2013

Institution Health

A
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 funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 The First Central National Bank of St. Paris had $78,000 in non-current loans and owned real-estate with $14.01 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 0.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for The First Central National Bank of St. Paris decreased dramatically from 1.68% as of December 31, 2012 to 0.56% as of December 31, 2013, resulting in a positive change of 66.80%.This indicates that the balance sheet and financial strength for The First Central National Bank of St. Paris has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, The First Central National Bank of St. Paris has increased its total deposits by $1.54 million, resulting in 2.23% 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 above 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 $85.28 million in assets with $14.01 million in equity, resulting in a capitalization level of 16.42%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #15214
Year Established1880
Employees24
Primary RegulatorOCC
Assets and Liabilities
Assets$85.28 million
Loans$49.23 million
Deposits$70.60 million
Equity Capital$13.53 million
Loan Loss Allowance$473,000
Unbacked Noncurrent Loans$78,000
Real Estate Owned$0
Historic Data - December 2012
Assets$83.95 million
Equity Capital$13.82 million
Loan Loss Allowance$490,000
Unbacked Noncurrent Loans$78,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.37%
Return on Assets0.77%
Return on Equity4.76%
Interest Income$2.97 million
Rates

Sorry, we do not have rate data for The First Central National Bank of St. Paris

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