Bank One, Cambridge, National Association in city_name, state_name

Bank One, Cambridge, National Association in Cambridge, Ohio (OH)
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Bank One, Cambridge, National Association - Overview

General
FDIC Certificate #: 6538
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, National Association (#6559)
Federal Reserve ID: 796013
Date Established: January 13, 1863
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Interstate: No)
FDIC's unique #: 4376
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: May 17, 1997
Last Structure Change Process Date: June 02, 1997
Last Data Update: June 02, 1997
Data Source Date: April 05, 2012
Location
Address: 819 Wheeling Avenue, Cambridge, OH 43725
County: Guernsey
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
Core Based Statistical Area (CBSA): Cambridge, OH (#15740)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $212.3 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$71Total assets
$210,625Cash and due from depository institutions
$7,762Interest-bearing balances
$0Securities
$18,410Federal funds sold & reverse repurchase agreements
$10,171Net loans & leases
$167,146Loan loss allowance
$1,680Trading account assets
$0Bank premises and fixed assets
$3,365Other real estate owned
$17Goodwill and other intangibles
$2,714Life insurance assets
$1,040All other assets
$0Total liabilities and capital
$210,625Total liabilities
$190,576Total deposits
$169,357Interest-bearing deposits
$145,132Deposits held in domestic offices
169357.00%% insured (estimated)
$84Federal funds purchased & repurchase agreements
$15,049Trading liabilities
$0Other borrowed funds
$827Subordinated debt
$3,500All other liabilities
$1,843Total equity capital
$1,843Total bank equity capital
$20,049Perpetual preferred stock
$0Common stock
$4,070Surplus
$4,070Undivided profits
Memoranda
$11,909Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,529Income earned, not collected on loans
$1,413Earning assets
$195,727Long-term assets (5+ years)
$36,232Average Assets, year-to-date
$209,286Average Assets, quarterly
$211,702Volatile liabilities
$22,114Insider loans
$9,366FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$42,394Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$18,899Total risk weighted assets
$167,117Total unused commitments
$0Restructured Loans and leases
$19,864Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$18,290Total interest expense
$7,213Net interest income
$11,077Provision for loan and lease losses
$661Total noninterest income
$1,685Fiduciary activities
$0Service charges on deposit accounts
$940Trading account gains & fees
$0Additional noninterest income
$745Total noninterest expense
$7,143Salaries and employee benefits
$2,488Premises and equipment expense
$718Additional noninterest expense
$3,937Pre-tax net operating income
$4,958Securities gains (losses)
$63Applicable income taxes
$1,678Income before extraordinary items
$3,343Extraordinary gains - net
$0Net income attributable to bank
$3,343Net charge-offs
$713Cash dividends
$765Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.30%Cost of funding earning assets
3.67%Net interest margin
5.63%Noninterest income to earning assets
0.86%Noninterest expense to earning assets
3.63%Net operating income to assets
1.58%Return on assets (ROA)
1.60%Pretax return on assets
2.40%Return on equity (ROE)
17.67%Retained earnings to average equity (YTD only)
13.63%Net charge-offs to loans
0.42%Credit loss provision to net charge-offs
92.71%Efficiency ratio
52,884Assets per employee
2.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.88%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
109.88%Noncurrent assets plus other real estate owned to assets
0.73%Noncurrent loans to loans
0.91%Net loans and leases to deposits
98.69%Net loans and leases to core deposits
102.53%Equity capital to assets
9.52%Core capital (leverage) ratio
8.96%Tier 1 risk-based capital ratio
11.31%Total risk-based capital ratio
Memoranda
$14Average assets
$209,286Average earning assets
$18,915Average equity
$196,692Average loans

Bank One, Cambridge, National Association in Cambridge, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank One, Cambridge, National Association - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

Bank One, Cambridge, National Association in Cambridge, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank One, Cambridge, National Association - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

Comment about this bank, ask questions, or add new information about it:

Bank One, Cambridge, National Association in Cambridge, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches