The First Central National Bank

Overview / Commentary

www.firststparis.com

937-663-4186

103 South Springfield
St. Paris, OH 43072

The First Central National Bank is headquartered in St. Paris and is the 133^rd largest bank in the state of Ohio. It is also the 4,085^th largest bank in the nation. It was established in 1880 and as of December of 2019, it had grown to 22 employees at 3 locations. The First Central National Bank has an A health rating.

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Health

Data as of Q4 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First Central National Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	15214
Year Established	1880
Employees	22
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	4.42%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$95.6MM$94.3MM
Loans	Q4 2019vs Q4 2018	$48.5MM$49.8MM
Deposits	Q4 2019vs Q4 2018	$77.1MM$77.2MM
Equity Capital	Q4 2019vs Q4 2018	$16.9MM$15.7MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$471.00K$471.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$140.00K$66.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The First Central National Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.21%	$100	-	IRA Savings
0.60%^*	$10k^*	-	Health Savings Account
OTHER TIERS: 0.30% → $1 - $3k \| 0.45% → $3k - $10k
0.10%	$50	-	Statement Savings

The First Central National Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%^*	$2.5k^*	-	Money Market
OTHER TIERS: 0.05% → $1 - $2.5k

The First Central National Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.10%^*	$2.5k^*	-	Super N.O.W.
OTHER TIERS: 0.05% → $1 - $2.5k
0.05%	$1k	-	N.O.W. Checking

The First Central National Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.01%	$1k	-	60 Month CD
0.85%	$1k	-	48 Month CD
0.55%	$1k	-	30 Month CD
0.40%	$1k	-	24 Month CD
0.25%	$1k	-	18 Month CD
0.15%	$1k	-	12 Month CD
0.15%	$1k	-	15 Month CD
0.10%	$1k	-	182 Day CD

Locations

The First Central National Bank Locations
The First Central National Bank Of St. Paris	103 South Springfield	St. Paris, OH 43072
Rosewood Branch	11013 Ohio 29	Rosewood, OH 43070
Christiansburg Branch	Two East Pike Street	Christiansburg, OH 45389

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