National City Bank, Northwest in Toledo, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1997

  • National City Bank, Northwest in Toledo, Ohio (OH)
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National City Bank, Northwest - Overview

  • General
  • FDIC Certificate #: 10276
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank (#6557)
    Federal Reserve ID: 496827
    Date Established: March 28, 1932
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 30 (Interstate: No)
    FDIC's unique #: 6586
    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: January 01, 1934
    Last Structure Change Effective Date: October 31, 1997
    Last Structure Change Process Date: November 17, 1997
    Last Data Update: November 17, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 405 Madison Avenue, Toledo, OH 43603
    County: Lucas
    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): Toledo, OH (#8400)
    Combined Statistical Area (CSA): Toledo-Fremont, OH (#534)
    Core Based Statistical Area (CBSA): Toledo, OH (#45780)
    CBSA Metro Statistical Area: Toledo, OH (#45780)
  • Financial Summary
  • Total assets: $1,575.6 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)
  • $439Total assets
  • $1,525,847Cash and due from depository institutions
  • $60,116Interest-bearing balances
  • $0Securities
  • $2,358Federal funds sold & reverse repurchase agreements
  • $130,896Net loans & leases
  • $1,286,629Loan loss allowance
  • $19,467Trading account assets
  • $0Bank premises and fixed assets
  • $21,518Other real estate owned
  • $113Goodwill and other intangibles
  • $23,811Life insurance assets
  • $406All other assets
  • $0Total liabilities and capital
  • $1,525,847Total liabilities
  • $1,428,334Total deposits
  • $1,015,753Interest-bearing deposits
  • $840,731Deposits held in domestic offices
  • 1015753.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $199,344Trading liabilities
  • $0Other borrowed funds
  • $161,160Subordinated debt
  • $24,753All other liabilities
  • $27,324Total equity capital
  • $27,324Total bank equity capital
  • $97,513Perpetual preferred stock
  • $0Common stock
  • $11,555Surplus
  • $12,686Undivided profits
  • Memoranda
  • $73,272Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,987Income earned, not collected on loans
  • $9,406Earning assets
  • $1,419,883Long-term assets (5+ years)
  • $229,161Average Assets, year-to-date
  • $1,501,809Average Assets, quarterly
  • $1,526,701Volatile liabilities
  • $436,220Insider loans
  • $29,041FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $257,987Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $96,937Total risk weighted assets
  • $1,349,746Total unused commitments
  • $0Restructured Loans and leases
  • $25,000Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $120,343Total interest expense
  • $56,088Net interest income
  • $64,255Provision for loan and lease losses
  • $2,640Total noninterest income
  • $18,154Fiduciary activities
  • $7,069Service charges on deposit accounts
  • $5,334Trading account gains & fees
  • $0Additional noninterest income
  • $5,751Total noninterest expense
  • $42,157Salaries and employee benefits
  • $15,336Premises and equipment expense
  • $4,538Additional noninterest expense
  • $22,283Pre-tax net operating income
  • $37,612Securities gains (losses)
  • $0Applicable income taxes
  • $13,060Income before extraordinary items
  • $24,552Extraordinary gains - net
  • $0Net income attributable to bank
  • $24,552Net charge-offs
  • $2,740Cash dividends
  • $14,000Sale, 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
  • 8.66%Cost of funding earning assets
  • 4.04%Net interest margin
  • 4.62%Noninterest income to earning assets
  • 1.31%Noninterest expense to earning assets
  • 3.03%Net operating income to assets
  • 1.63%Return on assets (ROA)
  • 1.63%Pretax return on assets
  • 2.50%Return on equity (ROE)
  • 25.41%Retained earnings to average equity (YTD only)
  • 10.92%Net charge-offs to loans
  • 0.22%Credit loss provision to net charge-offs
  • 96.35%Efficiency ratio
  • 51,085Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.02%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 325.15%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 126.67%Net loans and leases to core deposits
  • 138.34%Equity capital to assets
  • 6.39%Core capital (leverage) ratio
  • 6.41%Tier 1 risk-based capital ratio
  • 7.18%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $1,501,809Average earning assets
  • $96,629Average equity
  • $1,389,605Average loans

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