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

This bank is inactive as of May 17, 1997

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

  • General
  • FDIC Certificate #: 6564
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 848716
    Date Established: March 01, 1891
    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 #: 4394
    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: 120 South Fourth Street, Coshocton, OH 43812
    County: Coshocton
    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): Coshocton, OH (#18740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $188.3 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)
  • $59Total assets
  • $180,095Cash and due from depository institutions
  • $9,298Interest-bearing balances
  • $2,000Securities
  • $28,595Federal funds sold & reverse repurchase agreements
  • $11,165Net loans & leases
  • $126,822Loan loss allowance
  • $1,275Trading account assets
  • $0Bank premises and fixed assets
  • $1,626Other real estate owned
  • $17Goodwill and other intangibles
  • $2,270Life insurance assets
  • $302All other assets
  • $0Total liabilities and capital
  • $180,095Total liabilities
  • $162,786Total deposits
  • $143,481Interest-bearing deposits
  • $127,644Deposits held in domestic offices
  • 143481.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $15,917Trading liabilities
  • $0Other borrowed funds
  • $1,020Subordinated debt
  • $500All other liabilities
  • $1,868Total equity capital
  • $1,868Total bank equity capital
  • $17,309Perpetual preferred stock
  • $0Common stock
  • $1,100Surplus
  • $3,901Undivided profits
  • Memoranda
  • $12,308Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,311Income earned, not collected on loans
  • $1,073Earning assets
  • $168,582Long-term assets (5+ years)
  • $55,053Average Assets, year-to-date
  • $186,612Average Assets, quarterly
  • $182,015Volatile liabilities
  • $20,085Insider loans
  • $3,283FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $37,494Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $16,860Total risk weighted assets
  • $124,179Total unused commitments
  • $0Restructured Loans and leases
  • $12,302Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $15,730Total interest expense
  • $6,024Net interest income
  • $9,706Provision for loan and lease losses
  • $507Total noninterest income
  • $1,383Fiduciary activities
  • $0Service charges on deposit accounts
  • $564Trading account gains & fees
  • $0Additional noninterest income
  • $819Total noninterest expense
  • $4,816Salaries and employee benefits
  • $1,326Premises and equipment expense
  • $537Additional noninterest expense
  • $2,953Pre-tax net operating income
  • $5,766Securities gains (losses)
  • $87Applicable income taxes
  • $2,011Income before extraordinary items
  • $3,842Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,842Net charge-offs
  • $570Cash dividends
  • $3,778Sale, 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
  • 8.91%Cost of funding earning assets
  • 3.41%Net interest margin
  • 5.50%Noninterest income to earning assets
  • 0.78%Noninterest expense to earning assets
  • 2.73%Net operating income to assets
  • 2.03%Return on assets (ROA)
  • 2.06%Pretax return on assets
  • 3.14%Return on equity (ROE)
  • 21.99%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 0.44%Credit loss provision to net charge-offs
  • 88.95%Efficiency ratio
  • 43,007Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.33%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 97.25%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 88.39%Net loans and leases to core deposits
  • 90.44%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 13.58%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $186,612Average earning assets
  • $17,469Average equity
  • $176,548Average loans

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