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

This bank is inactive as of May 17, 1997

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

  • General
  • FDIC Certificate #: 6570
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 738714
    Date Established: January 01, 1814
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 45 (Interstate: No)
    FDIC's unique #: 4398
    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 17, 1997
    Last Structure Change Process Date: June 02, 1997
    Last Data Update: June 02, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 40 North Main Street, Dayton, OH 45402
    County: Montgomery
    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: $4,707.6 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)
  • $1,957Total assets
  • $4,938,172Cash and due from depository institutions
  • $95,097Interest-bearing balances
  • $0Securities
  • $229,727Federal funds sold & reverse repurchase agreements
  • $150,985Net loans & leases
  • $4,261,116Loan loss allowance
  • $142,852Trading account assets
  • $0Bank premises and fixed assets
  • $25,074Other real estate owned
  • $629Goodwill and other intangibles
  • $166,660Life insurance assets
  • $8,884All other assets
  • $0Total liabilities and capital
  • $4,938,172Total liabilities
  • $4,602,666Total deposits
  • $3,162,282Interest-bearing deposits
  • $2,844,894Deposits held in domestic offices
  • 2102779.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $297,278Trading liabilities
  • $0Other borrowed funds
  • $958,850Subordinated debt
  • $124,641All other liabilities
  • $59,615Total equity capital
  • $59,615Total bank equity capital
  • $335,506Perpetual preferred stock
  • $0Common stock
  • $25,900Surplus
  • $38,500Undivided profits
  • Memoranda
  • $271,106Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $79,385Income earned, not collected on loans
  • $29,937Earning assets
  • $4,641,828Long-term assets (5+ years)
  • $413,984Average Assets, year-to-date
  • $4,332,148Average Assets, quarterly
  • $4,722,857Volatile liabilities
  • $1,976,381Insider loans
  • $34,257FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,543,132Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $327,397Total risk weighted assets
  • $4,902,637Total unused commitments
  • $0Restructured Loans and leases
  • $1,591,954Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $554,827Total interest expense
  • $187,704Net interest income
  • $367,123Provision for loan and lease losses
  • $161,261Total noninterest income
  • $31,082Fiduciary activities
  • $0Service charges on deposit accounts
  • $12,476Trading account gains & fees
  • $48Additional noninterest income
  • $18,558Total noninterest expense
  • $176,403Salaries and employee benefits
  • $49,488Premises and equipment expense
  • $16,867Additional noninterest expense
  • $110,048Pre-tax net operating income
  • $60,542Securities gains (losses)
  • -$14Applicable income taxes
  • $18,367Income before extraordinary items
  • $42,161Extraordinary gains - net
  • $0Net income attributable to bank
  • $42,161Net charge-offs
  • $122,299Cash dividends
  • $11,200Sale, 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
  • 13.70%Cost of funding earning assets
  • 4.64%Net interest margin
  • 9.07%Noninterest income to earning assets
  • 0.77%Noninterest expense to earning assets
  • 4.36%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 1.40%Return on equity (ROE)
  • 13.31%Retained earnings to average equity (YTD only)
  • 9.78%Net charge-offs to loans
  • 3.15%Credit loss provision to net charge-offs
  • 131.86%Efficiency ratio
  • 44,220Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.56%Loss allowance to loans
  • 3.24%Loss allowance to noncurrent loans
  • 179.95%Noncurrent assets plus other real estate owned to assets
  • 1.62%Noncurrent loans to loans
  • 1.80%Net loans and leases to deposits
  • 134.75%Net loans and leases to core deposits
  • 212.19%Equity capital to assets
  • 6.79%Core capital (leverage) ratio
  • 6.98%Tier 1 risk-based capital ratio
  • 6.68%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $4,332,148Average earning assets
  • $316,724Average equity
  • $4,049,650Average loans

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