FDIC Certificate #: 58434 Status: Active Federal Reserve ID: 3615021 Date Established: July 16, 2007 WWW:http://www.cbankusa.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 451646 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: July 16, 2007 Last Structure Change Effective Date: January 04, 2012 Last Structure Change Process Date: January 04, 2012 Last Data Update: January 04, 2012 Data Source Date: April 05, 2012
Location
Address: 30 West Third Street, Cincinnati, OH 45202 County: Hamilton Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Cincinnati 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)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $74.7 mil Equity capital: $15.4 mil Deposits held in domestic offices: $59.1 mil Return on assets (ROA): 1.45% ($1.1 mil) Quarterly return on assets: 1.85% ($1.4 mil) Return on Equity (ROE): 7.37% ($1.1 mil) Quarterly return on equity: 9.13% ($1.4 mil) Net income: $1.1 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.45% ($1,083.5 mil) Quarterly Pretax return on assets: 1.85% ($1,382.4 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
11Total employees (full-time equivalent)
$74,727Total assets
$2,007Cash and due from depository institutions
$359Interest-bearing balances
$9,256Securities
$3,504Federal funds sold & reverse repurchase agreements
$59,219Net loans & leases
$1,058Loan loss allowance
$0Trading account assets
$272Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$74,727Life insurance assets
$469All other assets
$59,330Total liabilities and capital
$59,059Total liabilities
$53,677Total deposits
$59,059Interest-bearing deposits
$66Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$94Trading liabilities
$0Other borrowed funds
$177Subordinated debt
$15,397All other liabilities
$15,397Total equity capital
$15,397Total bank equity capital
$0Perpetual preferred stock
$1,549Common stock
$14,197Surplus
$-349Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$388Income earned, not collected on loans
$0Earning assets
$181Long-term assets (5+ years)
$72,338Average Assets, year-to-date
$11,159Average Assets, quarterly
$75,056Volatile liabilities
$75,022Insider loans
$57,810FHLB advances
$74,111Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$15,397Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,414Restructured Loans and leases
$2,910Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,522Total interest income
$492Total interest expense
$3,030Net interest income
$206Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$66Service charges on deposit accounts
$0Trading account gains & fees
$56Additional noninterest income
$1,857Total noninterest expense
$1,166Salaries and employee benefits
$154Premises and equipment expense
$537Additional noninterest expense
$1,089Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,089Income before extraordinary items
$0Extraordinary gains - net
$1,089Net income attributable to bank
$0Net charge-offs
$1,089Cash dividends
-$87Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
0.67%Cost of funding earning assets
4.13%Net interest margin
0.17%Noninterest income to earning assets
2.53%Noninterest expense to earning assets
1.45%Net operating income to assets
1.45%Return on assets (ROA)
1.45%Pretax return on assets
7.37%Return on equity (ROE)
7.37%Retained earnings to average equity (YTD only)
-0.15%Net charge-offs to loans
-236.78%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,915Assets per employee
6.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.76%Loss allowance to noncurrent loans
272.68%Noncurrent assets plus other real estate owned to assets
0.52%Noncurrent loans to loans
0.64%Net loans and leases to deposits
100.27%Net loans and leases to core deposits
108.30%Equity capital to assets
20.60%Core capital (leverage) ratio
20.78%Tier 1 risk-based capital ratio
26.63%Total risk-based capital ratio
Memoranda
$28Average assets
$75,056Average earning assets
$14,783Average equity
$73,372Average loans
List of branches
1 Ohio Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
451646
Cbank
30 West Third Street, Cincinnati, OH 45202
July 16, 2007
Full Service Brick and Mortar
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