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

This bank is inactive as of May 17, 1997

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

  • General
  • FDIC Certificate #: 6538
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 796013
    Date Established: January 13, 1863
    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 #: 4376
    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: 819 Wheeling Avenue, Cambridge, OH 43725
    County: Guernsey
    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): Cambridge, OH (#15740)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $212.3 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)
  • $71Total assets
  • $210,625Cash and due from depository institutions
  • $7,762Interest-bearing balances
  • $0Securities
  • $18,410Federal funds sold & reverse repurchase agreements
  • $10,171Net loans & leases
  • $167,146Loan loss allowance
  • $1,680Trading account assets
  • $0Bank premises and fixed assets
  • $3,365Other real estate owned
  • $17Goodwill and other intangibles
  • $2,714Life insurance assets
  • $1,040All other assets
  • $0Total liabilities and capital
  • $210,625Total liabilities
  • $190,576Total deposits
  • $169,357Interest-bearing deposits
  • $145,132Deposits held in domestic offices
  • 169357.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $15,049Trading liabilities
  • $0Other borrowed funds
  • $827Subordinated debt
  • $3,500All other liabilities
  • $1,843Total equity capital
  • $1,843Total bank equity capital
  • $20,049Perpetual preferred stock
  • $0Common stock
  • $4,070Surplus
  • $4,070Undivided profits
  • Memoranda
  • $11,909Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,529Income earned, not collected on loans
  • $1,413Earning assets
  • $195,727Long-term assets (5+ years)
  • $36,232Average Assets, year-to-date
  • $209,286Average Assets, quarterly
  • $211,702Volatile liabilities
  • $22,114Insider loans
  • $9,366FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $42,394Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $18,899Total risk weighted assets
  • $167,117Total unused commitments
  • $0Restructured Loans and leases
  • $19,864Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $18,290Total interest expense
  • $7,213Net interest income
  • $11,077Provision for loan and lease losses
  • $661Total noninterest income
  • $1,685Fiduciary activities
  • $0Service charges on deposit accounts
  • $940Trading account gains & fees
  • $0Additional noninterest income
  • $745Total noninterest expense
  • $7,143Salaries and employee benefits
  • $2,488Premises and equipment expense
  • $718Additional noninterest expense
  • $3,937Pre-tax net operating income
  • $4,958Securities gains (losses)
  • $63Applicable income taxes
  • $1,678Income before extraordinary items
  • $3,343Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,343Net charge-offs
  • $713Cash dividends
  • $765Sale, 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
  • 9.30%Cost of funding earning assets
  • 3.67%Net interest margin
  • 5.63%Noninterest income to earning assets
  • 0.86%Noninterest expense to earning assets
  • 3.63%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 2.40%Return on equity (ROE)
  • 17.67%Retained earnings to average equity (YTD only)
  • 13.63%Net charge-offs to loans
  • 0.42%Credit loss provision to net charge-offs
  • 92.71%Efficiency ratio
  • 52,884Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.88%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 109.88%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 0.91%Net loans and leases to deposits
  • 98.69%Net loans and leases to core deposits
  • 102.53%Equity capital to assets
  • 9.52%Core capital (leverage) ratio
  • 8.96%Tier 1 risk-based capital ratio
  • 11.31%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $209,286Average earning assets
  • $18,915Average equity
  • $196,692Average loans

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