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

This bank is inactive as of Febuary 01, 1998

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

  • General
  • FDIC Certificate #: 6569
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National City Bank (#6557)
    Federal Reserve ID: 854717
    Date Established: January 01, 1871
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 41 (Interstate: No)
    FDIC's unique #: 4397
    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: Febuary 01, 1998
    Last Structure Change Process Date: Febuary 11, 1998
    Last Data Update: Febuary 11, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 6 North Main Street, Dayton, OH 45412
    County: Montgomery
    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): Dayton-Springfield, OH (#2000)
    Combined Statistical Area (CSA): Dayton-Springfield-Greenville, OH (#212)
    Core Based Statistical Area (CBSA): Dayton, OH (#19380)
    CBSA Metro Statistical Area: Dayton, OH (#19380)
  • Financial Summary
  • Total assets: $2,732.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 607Total employees (full-time equivalent)
  • $2,732,328Total assets
  • $106,671Cash and due from depository institutions
  • $0Interest-bearing balances
  • $11,220Securities
  • $259,105Federal funds sold & reverse repurchase agreements
  • $2,234,197Net loans & leases
  • $31,755Loan loss allowance
  • $0Trading account assets
  • $42,637Bank premises and fixed assets
  • $595Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $77,903All other assets
  • $2,732,328Total liabilities and capital
  • $2,581,253Total liabilities
  • $1,699,498Total deposits
  • $1,379,956Interest-bearing deposits
  • $1,699,498Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $669,952Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $124,768Other borrowed funds
  • $49,543Subordinated debt
  • $37,492All other liabilities
  • $151,075Total equity capital
  • $151,075Total bank equity capital
  • $151,075Perpetual preferred stock
  • $0Common stock
  • $7,058Surplus
  • $52,269Undivided profits
  • Memoranda
  • $91,748Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $20,450Earning assets
  • $23Long-term assets (5+ years)
  • $15,544Average Assets, year-to-date
  • $2,504,522Average Assets, quarterly
  • $498,329Volatile liabilities
  • $2,578,140Insider loans
  • $2,678,106FHLB advances
  • $970,399Loans and leases held for sale
  • $28,819Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $533,590Total unused commitments
  • $0Restructured Loans and leases
  • $2,236,572Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $199,416Total interest income
  • $95,420Total interest expense
  • $103,996Net interest income
  • $10,200Provision for loan and lease losses
  • $25,115Total noninterest income
  • $5,347Fiduciary activities
  • $9,280Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,488Additional noninterest income
  • $71,187Total noninterest expense
  • $21,965Salaries and employee benefits
  • $6,823Premises and equipment expense
  • $42,399Additional noninterest expense
  • $47,724Pre-tax net operating income
  • $0Securities gains (losses)
  • $18,912Applicable income taxes
  • $28,812Income before extraordinary items
  • $0Extraordinary gains - net
  • $28,812Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $7,095Sale, conversion, retirement of capital stock, net
  • $22,000Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.44%Yield on earning assets
  • 4.04%Cost of funding earning assets
  • 4.40%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 18.92%Return on equity (ROE)
  • 4.47%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 143.76%Credit loss provision to net charge-offs
  • 8.16%Efficiency ratio
  • 53,733Assets per employee
  • 4.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 76.36%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 155.28%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 131.46%Net loans and leases to core deposits
  • 147.02%Equity capital to assets
  • 5.53%Core capital (leverage) ratio
  • 5.80%Tier 1 risk-based capital ratio
  • 6.74%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $2,578,140Average earning assets
  • $152,305Average equity
  • $2,364,061Average loans

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