The Sycamore National Bank in Cincinnati, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 21, 2007

  • The Sycamore National Bank in Cincinnati, Ohio (OH)
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The Sycamore National Bank - Overview

  • General
  • FDIC Certificate #: 31032
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: LCNB National Bank (#6623)
    Federal Reserve ID: 690773
    Date Established: January 01, 1880
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 6283
    FDIC's unique #: 43866
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: July 25, 1985
    Last Structure Change Effective Date: December 21, 2007
    Last Structure Change Process Date: January 02, 2008
    Last Data Update: January 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3209 West Galbraith Road, Cincinnati, OH 45239
    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)
  • Financial Summary
  • Total assets: $49.1 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, 2006)

  • Dollar figures in thousands
  • 18Total employees (full-time equivalent)
  • $49,193Total assets
  • $934Cash and due from depository institutions
  • $16Interest-bearing balances
  • $1,779Securities
  • $4,670Federal funds sold & reverse repurchase agreements
  • $40,150Net loans & leases
  • $607Loan loss allowance
  • $0Trading account assets
  • $865Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $795All other assets
  • $49,193Total liabilities and capital
  • $44,730Total liabilities
  • $44,487Total deposits
  • $41,150Interest-bearing deposits
  • $44,487Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $243All other liabilities
  • $4,463Total equity capital
  • $4,463Total bank equity capital
  • $4,463Perpetual preferred stock
  • $230Common stock
  • $1,111Surplus
  • $1,115Undivided profits
  • Memoranda
  • $2,007Noncurrent loans and leases
  • $4,340Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $77Earning assets
  • $0Long-term assets (5+ years)
  • $250Average Assets, year-to-date
  • $46,615Average Assets, quarterly
  • $8,881Volatile liabilities
  • $48,768Insider loans
  • $48,926FHLB advances
  • $5,869Loans and leases held for sale
  • $133Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,340Total unused commitments
  • $0Restructured Loans and leases
  • $533Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $3,760Total interest income
  • $1,243Total interest expense
  • $2,517Net interest income
  • $180Provision for loan and lease losses
  • $177Total noninterest income
  • $0Fiduciary activities
  • $98Service charges on deposit accounts
  • $0Trading account gains & fees
  • $79Additional noninterest income
  • $2,003Total noninterest expense
  • $964Salaries and employee benefits
  • $107Premises and equipment expense
  • $932Additional noninterest expense
  • $511Pre-tax net operating income
  • $0Securities gains (losses)
  • $174Applicable income taxes
  • $337Income before extraordinary items
  • $0Extraordinary gains - net
  • $337Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $177Sale, conversion, retirement of capital stock, net
  • $36Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.13%Yield on earning assets
  • 2.69%Cost of funding earning assets
  • 5.44%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 4.33%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 7.82%Return on equity (ROE)
  • 6.98%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 101.69%Credit loss provision to net charge-offs
  • 3.90%Efficiency ratio
  • 74,350Assets per employee
  • 2.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.68%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 788.31%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.19%Net loans and leases to deposits
  • 90.25%Net loans and leases to core deposits
  • 103.97%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 10.53%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $48,768Average earning assets
  • $4,309Average equity
  • $46,237Average loans

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