The North Side Bank and Trust Company in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The North Side Bank and Trust Company in Cincinnati, Ohio (OH)
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The North Side Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 9457
    Status: Active
    Federal Reserve ID: 615217
    Date Established: January 01, 1892
    WWW: http://www.northsidebankandtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 6077
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4125 Hamilton Avenue, Cincinnati, OH 45223
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $486.6 mil
    Equity capital: $64.6 mil
    Deposits held in domestic offices: $380.0 mil
    Return on assets (ROA): 0.86% ($4.2 mil)
    Quarterly return on assets: 0.85% ($4.1 mil)
    Return on Equity (ROE): 6.62% ($4.3 mil)
    Quarterly return on equity: 6.46% ($4.2 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.25% ($6,082.6 mil)
    Quarterly Pretax return on assets: 1.28% ($6,228.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 98Total employees (full-time equivalent)
  • $486,609Total assets
  • $40,220Cash and due from depository institutions
  • $24,835Interest-bearing balances
  • $102,078Securities
  • $2,669Federal funds sold & reverse repurchase agreements
  • $326,593Net loans & leases
  • $6,685Loan loss allowance
  • $0Trading account assets
  • $3,010Bank premises and fixed assets
  • $5,328Other real estate owned
  • $0Goodwill and other intangibles
  • $486,609Life insurance assets
  • $6,711All other assets
  • $422,010Total liabilities and capital
  • $379,987Total liabilities
  • $306,147Total deposits
  • $379,987Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 40055.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,968Subordinated debt
  • $64,599All other liabilities
  • $64,599Total equity capital
  • $64,599Total bank equity capital
  • $0Perpetual preferred stock
  • $3,075Common stock
  • $3,075Surplus
  • $58,449Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,448Income earned, not collected on loans
  • $0Earning assets
  • $1,329Long-term assets (5+ years)
  • $456,175Average Assets, year-to-date
  • $84,509Average Assets, quarterly
  • $491,994Volatile liabilities
  • $488,719Insider loans
  • $337,962FHLB advances
  • $493,060Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $64,221Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $74,844Restructured Loans and leases
  • $9,624Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,750Total interest income
  • $3,383Total interest expense
  • $16,367Net interest income
  • $2,000Provision for loan and lease losses
  • $2,442Total noninterest income
  • $775Fiduciary activities
  • $857Service charges on deposit accounts
  • $0Trading account gains & fees
  • $810Additional noninterest income
  • $10,636Total noninterest expense
  • $5,282Salaries and employee benefits
  • $1,170Premises and equipment expense
  • $4,184Additional noninterest expense
  • $6,173Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,963Applicable income taxes
  • $4,210Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,210Net income attributable to bank
  • $0Net charge-offs
  • $4,210Cash dividends
  • $1,943Sale, conversion, retirement of capital stock, net
  • $1,968Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.53%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 6.62%Return on equity (ROE)
  • 3.53%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 102.93%Credit loss provision to net charge-offs
  • 4.21%Efficiency ratio
  • 56,547Assets per employee
  • 4.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.75%Loss allowance to loans
  • 2.01%Loss allowance to noncurrent loans
  • 150.29%Noncurrent assets plus other real estate owned to assets
  • 2.01%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 85.95%Net loans and leases to core deposits
  • 91.13%Equity capital to assets
  • 13.28%Core capital (leverage) ratio
  • 13.02%Tier 1 risk-based capital ratio
  • 19.00%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $491,994Average earning assets
  • $63,568Average equity
  • $463,515Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $100,216Managed Assets
  • 1Number of Accounts
  • $71,178Personal trust and agency accounts
  • $34,838Employee benefit-defined contribution accounts
  • $13,309Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,762Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $12,792Other fiduciary accounts
  • $3,477Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 203Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $29,038Other retirement accounts
  • $12,483Corporate trust and agency accounts
  • $6,369Other fiduciary accounts
  • $1,298Fiduciary accounts held in foreign offices

List of branches

  • 7 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06077The North Side Bank And Trust Compan4125 Hamilton Avenue, Cincinnati, OH 45223January 01, 1892Full Service Brick and Mortar
    1220189Finneytown Branch906 North Bend Road, Cincinnati, OH 45244December 18, 1961Full Service Brick and Mortar
    2220190Colerain Branch9315 Colerain Avenue, Cincinnati, OH 45251January 16, 1968Full Service Brick and Mortar
    3220191Blue Ash Branch9407 Kenwood Rd., Cincinnati, OH 45242October 26, 1998Full Service Brick and Mortar
    4357342Delhi Branch5329 Foley Road, Cincinnati, OH 45238January 31, 2000Full Service Brick and Mortar
    5419872West Chester Branch8615 Shepherd Farm Drive, West Chester, OH 45069May 28, 2003Full Service Brick and Mortar
    6437933Springdale Branch11628 Springfield Pike, Springdale, OH 45246December 17, 2004Full Service Brick and Mortar

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