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

This bank is inactive as of May 17, 1997

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

  • General
  • FDIC Certificate #: 6699
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#6559)
    Federal Reserve ID: 485027
    Date Established: January 01, 1870
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    FDIC's unique #: 4489
    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: Main And Poplar Streets, Sidney, OH 45365
    County: Shelby
    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): Sidney, OH (#43380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $245.2 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)
  • $83Total assets
  • $251,420Cash and due from depository institutions
  • $12,156Interest-bearing balances
  • $5,000Securities
  • $49,031Federal funds sold & reverse repurchase agreements
  • $21,775Net loans & leases
  • $162,207Loan loss allowance
  • $1,660Trading account assets
  • $0Bank premises and fixed assets
  • $2,493Other real estate owned
  • $0Goodwill and other intangibles
  • $3,582Life insurance assets
  • $176All other assets
  • $0Total liabilities and capital
  • $251,420Total liabilities
  • $233,526Total deposits
  • $209,877Interest-bearing deposits
  • $180,667Deposits held in domestic offices
  • 209877.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $17,868Trading liabilities
  • $0Other borrowed funds
  • $218Subordinated debt
  • $3,000All other liabilities
  • $2,563Total equity capital
  • $2,563Total bank equity capital
  • $17,894Perpetual preferred stock
  • $0Common stock
  • $880Surplus
  • $2,120Undivided profits
  • Memoranda
  • $14,894Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,821Income earned, not collected on loans
  • $1,401Earning assets
  • $238,013Long-term assets (5+ years)
  • $27,392Average Assets, year-to-date
  • $258,299Average Assets, quarterly
  • $258,722Volatile liabilities
  • $31,745Insider loans
  • $8,866FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $79,764Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,630Total risk weighted assets
  • $176,946Total unused commitments
  • $0Restructured Loans and leases
  • $43,846Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $20,411Total interest expense
  • $9,654Net interest income
  • $10,757Provision for loan and lease losses
  • $109Total noninterest income
  • $1,769Fiduciary activities
  • $0Service charges on deposit accounts
  • $769Trading account gains & fees
  • $0Additional noninterest income
  • $1,000Total noninterest expense
  • $7,038Salaries and employee benefits
  • $2,616Premises and equipment expense
  • $679Additional noninterest expense
  • $3,743Pre-tax net operating income
  • $5,379Securities gains (losses)
  • $0Applicable income taxes
  • $1,721Income before extraordinary items
  • $3,658Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,658Net charge-offs
  • $249Cash dividends
  • $3,050Sale, 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
  • 8.32%Cost of funding earning assets
  • 3.93%Net interest margin
  • 4.38%Noninterest income to earning assets
  • 0.72%Noninterest expense to earning assets
  • 2.87%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 2.08%Return on equity (ROE)
  • 20.59%Retained earnings to average equity (YTD only)
  • 3.42%Net charge-offs to loans
  • 0.15%Credit loss provision to net charge-offs
  • 43.78%Efficiency ratio
  • 55,636Assets per employee
  • 3.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.38%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 91.16%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 77.29%Net loans and leases to core deposits
  • 82.76%Equity capital to assets
  • 7.12%Core capital (leverage) ratio
  • 6.86%Tier 1 risk-based capital ratio
  • 9.96%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $258,299Average earning assets
  • $17,770Average equity
  • $245,377Average loans

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