Liberty National Bank of Northern Kentucky in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 04, 1995

  • Liberty National Bank of Northern Kentucky in Cincinnati, Ohio (OH)
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Liberty National Bank of Northern Kentucky - Overview

  • General
  • FDIC Certificate #: 15660
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: Bank One, Cincinnati, National Association (#6643)
    Federal Reserve ID: 203016
    Date Established: January 01, 1938
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 13 (Interstate: No)
    OTS Docket #: 10746
    FDIC's unique #: 9937
    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: March 27, 1939
    Last Structure Change Effective Date: November 04, 1995
    Last Structure Change Process Date: December 07, 1995
    Last Data Update: December 07, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 8044 Montgomery Road, Cincinnati, OH 45236
    County: Hamilton
    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): 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
  • Merger - Without Assistance
    Change NONGEOFLDOFF from Default
    Change NONGEOFDICDBS from Default
    Change in Location
  • Financial Summary
  • Total assets: $338.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $162Total assets
  • $369,455Cash and due from depository institutions
  • $16,884Interest-bearing balances
  • $0Securities
  • $39,391Federal funds sold & reverse repurchase agreements
  • $30,053Net loans & leases
  • $268,872Loan loss allowance
  • $4,017Trading account assets
  • $0Bank premises and fixed assets
  • $5,517Other real estate owned
  • $1,613Goodwill and other intangibles
  • $3,860Life insurance assets
  • $3,265All other assets
  • $0Total liabilities and capital
  • $369,455Total liabilities
  • $336,277Total deposits
  • $309,440Interest-bearing deposits
  • $255,978Deposits held in domestic offices
  • 309440.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $23,743Subordinated debt
  • $0All other liabilities
  • $3,094Total equity capital
  • $3,094Total bank equity capital
  • $33,178Perpetual preferred stock
  • $0Common stock
  • $1,150Surplus
  • $21,216Undivided profits
  • Memoranda
  • $10,812Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,235Income earned, not collected on loans
  • $1,658Earning assets
  • $338,316Long-term assets (5+ years)
  • $159,117Average Assets, year-to-date
  • $366,867Average Assets, quarterly
  • $361,547Volatile liabilities
  • $24,664Insider loans
  • $3,502FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,111Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $29,934Total risk weighted assets
  • $227,144Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $25,819Total interest expense
  • $11,292Net interest income
  • $14,527Provision for loan and lease losses
  • $70Total noninterest income
  • $2,601Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,689Trading account gains & fees
  • $0Additional noninterest income
  • $912Total noninterest expense
  • $11,139Salaries and employee benefits
  • $5,143Premises and equipment expense
  • $1,613Additional noninterest expense
  • $4,383Pre-tax net operating income
  • $5,919Securities gains (losses)
  • -$471Applicable income taxes
  • $1,617Income before extraordinary items
  • $3,831Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,831Net charge-offs
  • $28Cash dividends
  • $3,300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.66%Cost of funding earning assets
  • 3.35%Net interest margin
  • 4.31%Noninterest income to earning assets
  • 0.77%Noninterest expense to earning assets
  • 3.31%Net operating income to assets
  • 1.13%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 1.49%Return on equity (ROE)
  • 11.64%Retained earnings to average equity (YTD only)
  • 1.61%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 250.00%Efficiency ratio
  • 63,271Assets per employee
  • 2.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.14%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 179.73%Noncurrent assets plus other real estate owned to assets
  • 1.04%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 86.89%Net loans and leases to core deposits
  • 94.42%Equity capital to assets
  • 8.98%Core capital (leverage) ratio
  • 8.62%Tier 1 risk-based capital ratio
  • 13.18%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $366,867Average earning assets
  • $32,923Average equity
  • $337,024Average loans

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