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Profile - Rurban Financial Corp (OTC BB:RBNF.OB)
As of 31-Aug-2001
Enter symbol:
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More Info: Quote | Chart | News | Profile | SEC | Insider | Financials
Recent Events
Aug 10Price hit new 52-week high ($15.25)
Upcoming Events
Sep 28Dividend payment of $0.12
Location
401 Clinton Street
Defiance, OH 43512
Phone: (419) 783-8950
Fax: (419) 784-4085
Employees (last reported count): 233
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Related Links
 ·Search Yahoo! for related links...
Ownership
·Insider and 5%+ Owners: 22%
·Over the last 6 months:
 · 4 insider buys; 1,000  shares (0.1% of insider shares)
·Institutional: 0% (0% of float)
(0 institutions)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Rurban Financial Corp. is a bank holding company. Through its subsidiaries, The State Bank and Trust Company, The Peoples Banking Company, The First National Bank of Ottawa and The Citizens Savings Bank Company, the Company is engaged in the business of commercial banking. The Company's subsidiary, Rurbanc Data Services Inc., is engaged in the related business of providing data processing services, principally to banks. In addition, the Company owns Rurban Life Insurance Company, which is engaged in the related business of accepting life and disability reinsurance, ceded in part by American General Assurance Company (AGAC), from the credit life and disability insurance purchased by customers of the Company's banking subsidiaries from AGAC, in connection with revolving credit loans secured by mortgages and with certain installment loans made to such customers.
More from Market Guide: Expanded Business Description

Financial Summary
RBNF is engaged in the business of commercial banking in Ohio; accepts life and disability reinsurance ceded in part by American General Assurance, and is involved in the mortgage banking business in Florida. For the six months ended 6/30/01, interest income rose 12% to $29.3 million. Net interest income after LLP fell 7% to $11.2 million. Net income decreased 14% to $2.7 million. Results reflect increased provision for loan losses and higher personnel expenses.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Steven VanDemark, 48
Chairman
--  
Thomas Williams, 52
Pres, CEO, Director
$317K
Richard Warrener, 56
CFO, Exec. VP
175K
Robert Constien, 48
COO, Exec. VP
196K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:RBNF.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 7-Feb-2001
$11.625
Recent Price$15.00 
52-Week High
on 10-Aug-2001
$15.25 
Beta0.07 
Daily Volume (3-month avg)1,227 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+14.5%
52-Week Change
relative to S&P500
+53.7%
Share-Related Items
Market Capitalization$65.2M
Shares Outstanding4.35M
Float3.40M
Dividends & Splits
Annual Dividend (indicated)$0.48 
Dividend Yield3.20%
Last Split: 21 for 20 on 13-Sep-2000
Per-Share Data
Book Value (mrq)$12.09 
Earnings (ttm)$1.31 
Earnings (mrq)$0.26 
Sales (ttm)$13.74 
Cash (mrq)$5.07 
Valuation Ratios
Price/Book (mrq)1.24 
Price/Earnings (ttm)11.44 
Price/Sales (ttm)1.09 
Income Statements
Sales (ttm)$59.1M
EBITDAN/A 
Income available to common (ttm)$5.63M
Profitability
Profit Margin (ttm)9.5%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.81%
Return on Equity (ttm)11.31%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$22.0M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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