Cleves-North Bend Building and Loan Company in North Bend, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1995

  • Cleves-North Bend Building and Loan Company in North Bend, Ohio (OH)
  • Show street view No street view available for this location

Cleves-North Bend Building and Loan Company - Overview

  • General
  • FDIC Certificate #: 28013
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Market Bank (#27947)
    Federal Reserve ID: 730576
    Date Established: January 01, 1881
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 738
    FDIC's unique #: 40847
    Numeric code: 36
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: March 13, 1936
    Last Structure Change Effective Date: January 01, 1995
    Last Structure Change Process Date: January 25, 1995
    Last Data Update: January 31, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 125-127 Miami Avenue, North Bend, OH 45052
    County: Hamilton
    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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $7.2 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $2Total assets
  • $7,226Cash and due from depository institutions
  • $1,212Interest-bearing balances
  • $1,133Securities
  • $280Federal funds sold & reverse repurchase agreements
  • $1,237Net loans & leases
  • $4,403Loan loss allowance
  • $19Trading account assets
  • $0Bank premises and fixed assets
  • $13Other real estate owned
  • $0Goodwill and other intangibles
  • $81Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $7,226Total liabilities
  • $5,874Total deposits
  • $5,844Interest-bearing deposits
  • $5,844Deposits held in domestic offices
  • 5844.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $30Total equity capital
  • $30Total bank equity capital
  • $1,352Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $1,352Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2Earning assets
  • $7,053Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $7,556Average Assets, quarterly
  • $7,412Volatile liabilities
  • $234Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $1,352Total risk weighted assets
  • $2,831Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $526Total interest expense
  • $238Net interest income
  • $288Provision for loan and lease losses
  • $0Total noninterest income
  • $3Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $3Total noninterest expense
  • $194Salaries and employee benefits
  • $89Premises and equipment expense
  • $29Additional noninterest expense
  • $76Pre-tax net operating income
  • $97Securities gains (losses)
  • $0Applicable income taxes
  • $21Income before extraordinary items
  • $76Extraordinary gains - net
  • $0Net income attributable to bank
  • $76Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.16%Cost of funding earning assets
  • 3.24%Net interest margin
  • 3.92%Noninterest income to earning assets
  • 0.04%Noninterest expense to earning assets
  • 2.64%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 1.28%Return on equity (ROE)
  • 6.05%Retained earnings to average equity (YTD only)
  • 6.05%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 66,667Assets per employee
  • 3.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.43%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 75.34%Net loans and leases to core deposits
  • 78.48%Equity capital to assets
  • 18.71%Core capital (leverage) ratio
  • 18.71%Tier 1 risk-based capital ratio
  • 47.76%Total risk-based capital ratio
  • Memoranda
  • $48Average assets
  • $7,556Average earning assets
  • $1,256Average equity
  • $7,347Average loans

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