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

This bank is inactive as of May 17, 1997

  • Bank One, Cincinnati, National Association in Milford, Ohio (OH)
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Bank One, Cincinnati, National Association - Overview

  • General
  • FDIC Certificate #: 6643
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 469223
    Date Established: January 01, 1884
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 46 (Interstate: No)
    FDIC's unique #: 4452
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: 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: 8044 Montgomery Road, Milford, OH 45150
    County: Clermont
    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
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $1,355.8 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)
  • $492Total assets
  • $1,350,409Cash and due from depository institutions
  • $27,413Interest-bearing balances
  • $0Securities
  • $84,479Federal funds sold & reverse repurchase agreements
  • $8,624Net loans & leases
  • $1,186,747Loan loss allowance
  • $11,896Trading account assets
  • $0Bank premises and fixed assets
  • $17,637Other real estate owned
  • $229Goodwill and other intangibles
  • $17,797Life insurance assets
  • $7,483All other assets
  • $0Total liabilities and capital
  • $1,350,409Total liabilities
  • $1,216,498Total deposits
  • $912,805Interest-bearing deposits
  • $769,025Deposits held in domestic offices
  • 912805.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $267,918Trading liabilities
  • $0Other borrowed funds
  • $2,467Subordinated debt
  • $11,500All other liabilities
  • $21,808Total equity capital
  • $21,808Total bank equity capital
  • $133,911Perpetual preferred stock
  • $0Common stock
  • $17,400Surplus
  • $63,083Undivided profits
  • Memoranda
  • $53,428Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,261Income earned, not collected on loans
  • $9,219Earning assets
  • $1,279,850Long-term assets (5+ years)
  • $267,180Average Assets, year-to-date
  • $1,416,030Average Assets, quarterly
  • $1,393,556Volatile liabilities
  • $301,881Insider loans
  • $36,520FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $469,882Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $126,257Total risk weighted assets
  • $1,220,955Total unused commitments
  • $0Restructured Loans and leases
  • $339,936Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $116,291Total interest expense
  • $51,990Net interest income
  • $64,301Provision for loan and lease losses
  • $6,135Total noninterest income
  • $14,734Fiduciary activities
  • $0Service charges on deposit accounts
  • $8,663Trading account gains & fees
  • $0Additional noninterest income
  • $6,071Total noninterest expense
  • $55,175Salaries and employee benefits
  • $17,710Premises and equipment expense
  • $5,752Additional noninterest expense
  • $31,713Pre-tax net operating income
  • $17,725Securities gains (losses)
  • $152Applicable income taxes
  • $6,293Income before extraordinary items
  • $11,584Extraordinary gains - net
  • $0Net income attributable to bank
  • $11,584Net charge-offs
  • $7,931Cash dividends
  • $21,063Sale, 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
  • 8.77%Cost of funding earning assets
  • 3.92%Net interest margin
  • 4.85%Noninterest income to earning assets
  • 1.11%Noninterest expense to earning assets
  • 4.16%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 1.26%Return on equity (ROE)
  • 8.36%Retained earnings to average equity (YTD only)
  • -6.84%Net charge-offs to loans
  • 0.64%Credit loss provision to net charge-offs
  • 77.35%Efficiency ratio
  • 67,017Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 181.83%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 83.42%Noncurrent assets plus other real estate owned to assets
  • 1.07%Noncurrent loans to loans
  • 1.19%Net loans and leases to deposits
  • 130.01%Net loans and leases to core deposits
  • 134.82%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 8.95%Tier 1 risk-based capital ratio
  • 10.34%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,416,030Average earning assets
  • $138,541Average equity
  • $1,326,182Average loans

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