PNC Bank, Northern Kentucky, National Association in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 26, 1995

  • PNC Bank, Northern Kentucky, National Association in Cincinnati, Ohio (OH)
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PNC Bank, Northern Kentucky, National Association - Overview

  • General
  • FDIC Certificate #: 2688
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: PNC Bank, Ohio, National Association (#742)
    Federal Reserve ID: 134316
    Date Established: January 01, 1890
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Interstate: No)
    OTS Docket #: 11260
    FDIC's unique #: 1734
    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 26, 1995
    Last Structure Change Process Date: June 28, 1995
    Last Data Update: June 28, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 East Fifth Street, Cincinnati, OH 45202
    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
    Change NONGEOFLDOFF from Default
    Change NONGEOFDICDBS from Default
    Change in Location
  • Financial Summary
  • Total assets: $390.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $76Total assets
  • $378,143Cash and due from depository institutions
  • $9,027Interest-bearing balances
  • $0Securities
  • $158,726Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $197,898Loan loss allowance
  • $3,761Trading account assets
  • $0Bank premises and fixed assets
  • $1,874Other real estate owned
  • $893Goodwill and other intangibles
  • $3,948Life insurance assets
  • $5,777All other assets
  • $0Total liabilities and capital
  • $378,143Total liabilities
  • $341,586Total deposits
  • $275,484Interest-bearing deposits
  • $253,139Deposits held in domestic offices
  • 275484.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $53,410Trading liabilities
  • $0Other borrowed funds
  • $8,829Subordinated debt
  • $0All other liabilities
  • $3,863Total equity capital
  • $3,863Total bank equity capital
  • $36,557Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $25,434Undivided profits
  • Memoranda
  • $9,123Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,910Income earned, not collected on loans
  • $1,188Earning assets
  • $356,624Long-term assets (5+ years)
  • $170,700Average Assets, year-to-date
  • $372,520Average Assets, quarterly
  • $362,008Volatile liabilities
  • $75,592Insider loans
  • $2,039FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $20,443Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $32,268Total risk weighted assets
  • $220,803Total unused commitments
  • $0Restructured Loans and leases
  • $50,000Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $23,275Total interest expense
  • $10,458Net interest income
  • $12,817Provision for loan and lease losses
  • $364Total noninterest income
  • $1,574Fiduciary activities
  • $50Service charges on deposit accounts
  • $640Trading account gains & fees
  • $0Additional noninterest income
  • $884Total noninterest expense
  • $10,663Salaries and employee benefits
  • $2,320Premises and equipment expense
  • $2,050Additional noninterest expense
  • $6,293Pre-tax net operating income
  • $3,364Securities gains (losses)
  • $0Applicable income taxes
  • $1,316Income before extraordinary items
  • $2,048Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,048Net charge-offs
  • $95Cash dividends
  • $1,610Sale, conversion, retirement of capital stock, net
  • $57Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.61%Cost of funding earning assets
  • 2.97%Net interest margin
  • 3.64%Noninterest income to earning assets
  • 0.45%Noninterest expense to earning assets
  • 3.03%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 0.90%Return on equity (ROE)
  • 5.48%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 0.05%Credit loss provision to net charge-offs
  • 383.16%Efficiency ratio
  • 70,537Assets per employee
  • 4.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.61%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 196.91%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 71.84%Net loans and leases to core deposits
  • 75.61%Equity capital to assets
  • 9.67%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 14.61%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $372,520Average earning assets
  • $37,397Average equity
  • $352,247Average loans

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