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

This bank is inactive as of May 17, 1997

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

  • General
  • FDIC Certificate #: 6522
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 298012
    Date Established: May 16, 1905
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    FDIC's unique #: 4363
    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: Two South Court Street, Athens, OH 45701
    County: Athens
    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): Athens, OH (#11900)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $239.9 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)
  • $72Total assets
  • $239,743Cash and due from depository institutions
  • $9,534Interest-bearing balances
  • $2,000Securities
  • $48,247Federal funds sold & reverse repurchase agreements
  • $1,968Net loans & leases
  • $172,174Loan loss allowance
  • $1,728Trading account assets
  • $0Bank premises and fixed assets
  • $2,574Other real estate owned
  • $24Goodwill and other intangibles
  • $4,870Life insurance assets
  • $352All other assets
  • $0Total liabilities and capital
  • $239,743Total liabilities
  • $218,044Total deposits
  • $144,388Interest-bearing deposits
  • $123,144Deposits held in domestic offices
  • 144388.00%% insured (estimated)
  • $96Federal funds purchased & repurchase agreements
  • $69,919Trading liabilities
  • $0Other borrowed funds
  • $301Subordinated debt
  • $2,000All other liabilities
  • $1,436Total equity capital
  • $1,436Total bank equity capital
  • $21,699Perpetual preferred stock
  • $0Common stock
  • $875Surplus
  • $6,610Undivided profits
  • Memoranda
  • $14,214Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,793Income earned, not collected on loans
  • $2,244Earning assets
  • $224,389Long-term assets (5+ years)
  • $50,505Average Assets, year-to-date
  • $260,148Average Assets, quarterly
  • $245,509Volatile liabilities
  • $74,019Insider loans
  • $5,141FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $37,484Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,168Total risk weighted assets
  • $157,172Total unused commitments
  • $0Restructured Loans and leases
  • $45,477Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $21,370Total interest expense
  • $8,999Net interest income
  • $12,371Provision for loan and lease losses
  • $1,000Total noninterest income
  • $6,156Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,404Trading account gains & fees
  • $0Additional noninterest income
  • $4,752Total noninterest expense
  • $7,714Salaries and employee benefits
  • $2,260Premises and equipment expense
  • $833Additional noninterest expense
  • $4,621Pre-tax net operating income
  • $9,813Securities gains (losses)
  • $71Applicable income taxes
  • $3,382Income before extraordinary items
  • $6,502Extraordinary gains - net
  • $0Net income attributable to bank
  • $6,502Net charge-offs
  • $1,048Cash dividends
  • $4,476Sale, 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
  • 8.85%Cost of funding earning assets
  • 3.73%Net interest margin
  • 5.12%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 3.19%Net operating income to assets
  • 2.48%Return on assets (ROA)
  • 2.50%Pretax return on assets
  • 3.80%Return on equity (ROE)
  • 30.83%Retained earnings to average equity (YTD only)
  • 9.61%Net charge-offs to loans
  • 0.60%Credit loss provision to net charge-offs
  • 95.42%Efficiency ratio
  • 41,248Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.84%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 96.37%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 119.24%Net loans and leases to core deposits
  • 122.61%Equity capital to assets
  • 9.05%Core capital (leverage) ratio
  • 8.79%Tier 1 risk-based capital ratio
  • 13.47%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $260,148Average earning assets
  • $21,090Average equity
  • $241,470Average loans

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