Star Bank, National Association, Troy in Troy, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 18, 1993

  • Star Bank, National Association, Troy in Troy, Ohio (OH)
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Star Bank, National Association, Troy - Overview

  • General
  • FDIC Certificate #: 6719
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: U.S. Bank National Association (#6548)
    Federal Reserve ID: 246228
    Date Established: July 06, 1881
    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 #: 4501
    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: September 18, 1993
    Last Structure Change Process Date: October 04, 1993
    Last Data Update: October 04, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 910 West Main Street, Troy, OH 45373
    County: Miami
    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): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • Financial Summary
  • Total assets: $214.9 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $100Total assets
  • $227,714Cash and due from depository institutions
  • $11,513Interest-bearing balances
  • $0Securities
  • $28,625Federal funds sold & reverse repurchase agreements
  • $9,200Net loans & leases
  • $170,679Loan loss allowance
  • $2,592Trading account assets
  • $0Bank premises and fixed assets
  • $2,850Other real estate owned
  • $1,197Goodwill and other intangibles
  • $3,650Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $227,714Total liabilities
  • $204,132Total deposits
  • $198,867Interest-bearing deposits
  • $175,177Deposits held in domestic offices
  • 198867.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $3,049Trading liabilities
  • $0Other borrowed funds
  • $115Subordinated debt
  • $0All other liabilities
  • $2,101Total equity capital
  • $2,101Total bank equity capital
  • $23,582Perpetual preferred stock
  • $0Common stock
  • $2,560Surplus
  • $6,460Undivided profits
  • Memoranda
  • $14,562Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $681Income earned, not collected on loans
  • $1,116Earning assets
  • $208,504Long-term assets (5+ years)
  • $8,890Average Assets, year-to-date
  • $225,541Average Assets, quarterly
  • $225,422Volatile liabilities
  • $12,242Insider loans
  • $18FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $28,211Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,582Total risk weighted assets
  • $154,047Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $18,543Total interest expense
  • $7,722Net interest income
  • $10,821Provision for loan and lease losses
  • $490Total noninterest income
  • $3,328Fiduciary activities
  • $1,895Service charges on deposit accounts
  • $775Trading account gains & fees
  • $0Additional noninterest income
  • $658Total noninterest expense
  • $6,698Salaries and employee benefits
  • $2,817Premises and equipment expense
  • $814Additional noninterest expense
  • $3,067Pre-tax net operating income
  • $6,961Securities gains (losses)
  • $0Applicable income taxes
  • $2,274Income before extraordinary items
  • $4,687Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,687Net charge-offs
  • $433Cash dividends
  • $1,680Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.89%Cost of funding earning assets
  • 3.70%Net interest margin
  • 5.19%Noninterest income to earning assets
  • 1.59%Noninterest expense to earning assets
  • 3.21%Net operating income to assets
  • 2.08%Return on assets (ROA)
  • 2.08%Pretax return on assets
  • 3.09%Return on equity (ROE)
  • 21.27%Retained earnings to average equity (YTD only)
  • 13.65%Net charge-offs to loans
  • 0.25%Credit loss provision to net charge-offs
  • 113.16%Efficiency ratio
  • 47,339Assets per employee
  • 2.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.84%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 380.62%Noncurrent assets plus other real estate owned to assets
  • 0.82%Noncurrent loans to loans
  • 0.39%Net loans and leases to deposits
  • 85.83%Net loans and leases to core deposits
  • 89.99%Equity capital to assets
  • 10.36%Core capital (leverage) ratio
  • 10.45%Tier 1 risk-based capital ratio
  • 15.31%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $225,541Average earning assets
  • $22,033Average equity
  • $208,691Average loans

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