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

This bank is inactive as of May 17, 1997

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

  • General
  • FDIC Certificate #: 13875
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 492016
    Date Established: Febuary 10, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 10 (Interstate: No)
    FDIC's unique #: 8675
    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: Febuary 10, 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: 400 West State Street, Fremont, OH 43420
    County: Sandusky
    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
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Fremont, OH (#23380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $276.6 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)
  • $94Total assets
  • $276,393Cash and due from depository institutions
  • $11,775Interest-bearing balances
  • $3,000Securities
  • $41,108Federal funds sold & reverse repurchase agreements
  • $7,595Net loans & leases
  • $207,219Loan loss allowance
  • $2,154Trading account assets
  • $0Bank premises and fixed assets
  • $2,489Other real estate owned
  • $110Goodwill and other intangibles
  • $3,392Life insurance assets
  • $2,705All other assets
  • $0Total liabilities and capital
  • $276,393Total liabilities
  • $250,726Total deposits
  • $232,079Interest-bearing deposits
  • $212,622Deposits held in domestic offices
  • 232079.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $14,358Trading liabilities
  • $0Other borrowed funds
  • $544Subordinated debt
  • $1,000All other liabilities
  • $2,745Total equity capital
  • $2,745Total bank equity capital
  • $25,667Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $16,670Undivided profits
  • Memoranda
  • $8,397Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,144Income earned, not collected on loans
  • $1,517Earning assets
  • $258,922Long-term assets (5+ years)
  • $75,539Average Assets, year-to-date
  • $277,242Average Assets, quarterly
  • $277,065Volatile liabilities
  • $23,847Insider loans
  • $3,475FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $60,335Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $22,755Total risk weighted assets
  • $210,964Total unused commitments
  • $0Restructured Loans and leases
  • $29,135Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $22,406Total interest expense
  • $9,327Net interest income
  • $13,079Provision for loan and lease losses
  • $409Total noninterest income
  • $2,217Fiduciary activities
  • $0Service charges on deposit accounts
  • $918Trading account gains & fees
  • $0Additional noninterest income
  • $1,299Total noninterest expense
  • $9,105Salaries and employee benefits
  • $2,975Premises and equipment expense
  • $956Additional noninterest expense
  • $5,174Pre-tax net operating income
  • $5,782Securities gains (losses)
  • $62Applicable income taxes
  • $2,042Income before extraordinary items
  • $3,802Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,802Net charge-offs
  • $530Cash dividends
  • $2,500Sale, 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
  • 8.53%Cost of funding earning assets
  • 3.55%Net interest margin
  • 4.98%Noninterest income to earning assets
  • 0.84%Noninterest expense to earning assets
  • 3.47%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 2.11%Return on equity (ROE)
  • 14.98%Retained earnings to average equity (YTD only)
  • 5.13%Net charge-offs to loans
  • 0.25%Credit loss provision to net charge-offs
  • 77.17%Efficiency ratio
  • 56,237Assets per employee
  • 2.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.75%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 51.98%Noncurrent assets plus other real estate owned to assets
  • 1.54%Noncurrent loans to loans
  • 1.98%Net loans and leases to deposits
  • 89.29%Net loans and leases to core deposits
  • 92.95%Equity capital to assets
  • 9.29%Core capital (leverage) ratio
  • 8.30%Tier 1 risk-based capital ratio
  • 10.79%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $277,242Average earning assets
  • $25,379Average equity
  • $262,753Average loans

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