CBank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


CBank - Overview

  • General
  • FDIC Certificate #: 58434
    Status: Active
    Federal Reserve ID: 3615021
    Date Established: July 16, 2007
    WWW: http://www.cbankusa.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 451646
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 16, 2007
    Last Structure Change Effective Date: January 04, 2012
    Last Structure Change Process Date: January 04, 2012
    Last Data Update: January 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 30 West Third Street, Cincinnati, OH 45202
    County: Hamilton
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Cincinnati
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $74.7 mil
    Equity capital: $15.4 mil
    Deposits held in domestic offices: $59.1 mil
    Return on assets (ROA): 1.45% ($1.1 mil)
    Quarterly return on assets: 1.85% ($1.4 mil)
    Return on Equity (ROE): 7.37% ($1.1 mil)
    Quarterly return on equity: 9.13% ($1.4 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.45% ($1,083.5 mil)
    Quarterly Pretax return on assets: 1.85% ($1,382.4 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $74,727Total assets
  • $2,007Cash and due from depository institutions
  • $359Interest-bearing balances
  • $9,256Securities
  • $3,504Federal funds sold & reverse repurchase agreements
  • $59,219Net loans & leases
  • $1,058Loan loss allowance
  • $0Trading account assets
  • $272Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $74,727Life insurance assets
  • $469All other assets
  • $59,330Total liabilities and capital
  • $59,059Total liabilities
  • $53,677Total deposits
  • $59,059Interest-bearing deposits
  • $66Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $94Trading liabilities
  • $0Other borrowed funds
  • $177Subordinated debt
  • $15,397All other liabilities
  • $15,397Total equity capital
  • $15,397Total bank equity capital
  • $0Perpetual preferred stock
  • $1,549Common stock
  • $14,197Surplus
  • $-349Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $388Income earned, not collected on loans
  • $0Earning assets
  • $181Long-term assets (5+ years)
  • $72,338Average Assets, year-to-date
  • $11,159Average Assets, quarterly
  • $75,056Volatile liabilities
  • $75,022Insider loans
  • $57,810FHLB advances
  • $74,111Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,397Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,414Restructured Loans and leases
  • $2,910Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,522Total interest income
  • $492Total interest expense
  • $3,030Net interest income
  • $206Provision for loan and lease losses
  • $122Total noninterest income
  • $0Fiduciary activities
  • $66Service charges on deposit accounts
  • $0Trading account gains & fees
  • $56Additional noninterest income
  • $1,857Total noninterest expense
  • $1,166Salaries and employee benefits
  • $154Premises and equipment expense
  • $537Additional noninterest expense
  • $1,089Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,089Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,089Net income attributable to bank
  • $0Net charge-offs
  • $1,089Cash dividends
  • -$87Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 1.45%Net operating income to assets
  • 1.45%Return on assets (ROA)
  • 1.45%Pretax return on assets
  • 7.37%Return on equity (ROE)
  • 7.37%Retained earnings to average equity (YTD only)
  • -0.15%Net charge-offs to loans
  • -236.78%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 58,915Assets per employee
  • 6.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.76%Loss allowance to noncurrent loans
  • 272.68%Noncurrent assets plus other real estate owned to assets
  • 0.52%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 100.27%Net loans and leases to core deposits
  • 108.30%Equity capital to assets
  • 20.60%Core capital (leverage) ratio
  • 20.78%Tier 1 risk-based capital ratio
  • 26.63%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $75,056Average earning assets
  • $14,783Average equity
  • $73,372Average loans

List of branches

  • 1 Ohio Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0451646Cbank30 West Third Street, Cincinnati, OH 45202July 16, 2007Full Service Brick and Mortar

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