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

This bank is inactive as of October 01, 1993

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

  • General
  • FDIC Certificate #: 12975
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank (#6557)
    Federal Reserve ID: 213426
    Date Established: August 26, 1881
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Interstate: No)
    FDIC's unique #: 8200
    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 01, 1993
    Last Structure Change Process Date: November 19, 1993
    Last Data Update: November 19, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 7-11 East Main Street, Norwalk, OH 44857
    County: Huron
    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): Norwalk, OH (#35940)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $257.3 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $127Total assets
  • $254,134Cash and due from depository institutions
  • $11,525Interest-bearing balances
  • $0Securities
  • $4,255Federal funds sold & reverse repurchase agreements
  • $42,980Net loans & leases
  • $189,372Loan loss allowance
  • $2,215Trading account assets
  • $0Bank premises and fixed assets
  • $3,814Other real estate owned
  • $123Goodwill and other intangibles
  • $2,065Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $254,134Total liabilities
  • $234,939Total deposits
  • $226,160Interest-bearing deposits
  • $198,296Deposits held in domestic offices
  • 226160.00%% insured (estimated)
  • $92Federal funds purchased & repurchase agreements
  • $8,205Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $574Total equity capital
  • $574Total bank equity capital
  • $19,195Perpetual preferred stock
  • $0Common stock
  • $2,400Surplus
  • $5,709Undivided profits
  • Memoranda
  • $11,086Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $570Income earned, not collected on loans
  • $1,309Earning assets
  • $236,607Long-term assets (5+ years)
  • $16,498Average Assets, year-to-date
  • $254,571Average Assets, quarterly
  • $252,468Volatile liabilities
  • $18,694Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $30,687Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $19,195Total risk weighted assets
  • $176,702Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $18,935Total interest expense
  • $8,843Net interest income
  • $10,092Provision for loan and lease losses
  • $440Total noninterest income
  • $1,272Fiduciary activities
  • $1Service charges on deposit accounts
  • $906Trading account gains & fees
  • $0Additional noninterest income
  • $365Total noninterest expense
  • $7,177Salaries and employee benefits
  • $3,352Premises and equipment expense
  • $745Additional noninterest expense
  • $3,080Pre-tax net operating income
  • $3,747Securities gains (losses)
  • $0Applicable income taxes
  • $1,132Income before extraordinary items
  • $2,615Extraordinary gains - net
  • $317Net income attributable to bank
  • $2,932Net charge-offs
  • $358Cash dividends
  • $1,500Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.97%Cost of funding earning assets
  • 3.72%Net interest margin
  • 4.25%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 3.02%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 1.60%Return on equity (ROE)
  • 15.78%Retained earnings to average equity (YTD only)
  • 7.71%Net charge-offs to loans
  • 0.19%Credit loss provision to net charge-offs
  • 122.91%Efficiency ratio
  • 63,156Assets per employee
  • 2.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.16%Loss allowance to loans
  • 1.16%Loss allowance to noncurrent loans
  • 388.60%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 83.73%Net loans and leases to core deposits
  • 87.81%Equity capital to assets
  • 7.55%Core capital (leverage) ratio
  • 7.64%Tier 1 risk-based capital ratio
  • 10.86%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $254,571Average earning assets
  • $18,584Average equity
  • $237,542Average loans

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