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The North Cincinnati Savings Bank, Inc., Assets and Liabilities

1997-12-31Rank
# of Employees:109,356
Assets and Liabilities
Total Assets:$60,366,0006,339
Cash and due from depository institutions$1,082,0009,356
Interest-bearing balances$685,0002,847
Securities$15,742,0005,813
Federal funds sold & reverse repurchase agreements$1,300,0005,930
Net loans & leases$41,125,0005,709
Loan loss allowance$51,00010,555
Trading account assets$0203
Bank premises and fixed assets$506,0007,908
Other real estate owned$09,356
Goodwill and other intangibles$03,571
All other assets$611,0007,837
Life insurance assets$01
Total liabilities and capital$60,366,0006,339
Total liabilities$54,508,0006,282
Total deposits$50,659,0006,350
Interest-bearing deposits$50,637,0005,732
Deposits held in domestic offices$50,659,0006,345
% insured0.00%1
Federal funds purchased & repurchase agreements$03,723
Trading liabilities$080
Other borrowed funds$3,570,0002,293
Subordinated debt$0260
All other liabilities$279,0008,021
Total equity capital$5,858,0006,488
Total bank equity capital$5,858,0006,488
Perpetual preferred stock$0223
Common stock$397,0005,714
Surplus$3,156,0004,018
Undivided profits$2,305,0006,771
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$151,0006,946
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$235,0007,722
Earning assets$58,852,0006,062
Long-term assets (5+ years)$43,310,0001,560
Average Assets, year-to-date$61,132,2006,071
Average Assets, quarterly$60,475,5006,258
Volatile liabilities$8,634,0005,484
Insider loans$353,0006,297
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$893,0008,945
Tier 1 (core) risk-based capital$6,402,0005,996
Tier 2 risk-based capital$51,00010,492
Total risk weighted assets$27,707,1007,297
Total unused commitments$893,0008,957
Derivatives$0533
1996-12-31Rank
# of Employees:129,268
Assets and Liabilities
Total Assets:$61,354,0006,430
Cash and due from depository institutions$866,0009,268
Interest-bearing balances$388,0003,337
Securities$18,953,0005,503
Federal funds sold & reverse repurchase agreements$2,100,0004,745
Net loans & leases$38,326,0006,030
Loan loss allowance$51,00011,090
Trading account assets$0240
Bank premises and fixed assets$559,0007,802
Other real estate owned$09,268
Goodwill and other intangibles$03,437
All other assets$550,0008,522
Life insurance assets$01
Total liabilities and capital$61,354,0006,430
Total liabilities$55,917,0006,356
Total deposits$49,676,0006,628
Interest-bearing deposits$49,361,0006,014
Deposits held in domestic offices$49,676,0006,619
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$5,998,0001,688
Subordinated debt$0298
All other liabilities$243,0008,660
Total equity capital$5,437,0006,874
Total bank equity capital$5,437,0006,874
Perpetual preferred stock$0250
Common stock$397,0006,059
Surplus$3,156,0004,074
Undivided profits$1,885,0007,417
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$151,0007,332
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$200,0008,460
Earning assets$59,767,0006,167
Long-term assets (5+ years)$34,553,0001,765
Average Assets, year-to-date$57,918,6006,512
Average Assets, quarterly$59,545,0006,508
Volatile liabilities$9,915,0004,908
Insider loans$402,0006,070
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$1,184,0008,542
Tier 1 (core) risk-based capital$6,152,0006,266
Tier 2 risk-based capital$51,00011,005
Total risk weighted assets$26,368,7007,610
Total unused commitments$1,184,0008,556
Derivatives$0549
1995-12-31Rank
# of Employees:139,438
Assets and Liabilities
Total Assets:$55,765,0006,973
Cash and due from depository institutions$1,846,0009,438
Interest-bearing balances$1,305,0002,233
Securities$15,051,0006,693
Federal funds sold & reverse repurchase agreements$09,298
Net loans & leases$37,362,0006,112
Loan loss allowance$51,00011,585
Trading account assets$0261
Bank premises and fixed assets$624,0007,641
Other real estate owned$09,438
Goodwill and other intangibles$03,181
All other assets$882,0006,923
Life insurance assets$01
Total liabilities and capital$55,765,0006,973
Total liabilities$53,130,0006,702
Total deposits$53,017,0006,497
Interest-bearing deposits$52,712,0005,853
Deposits held in domestic offices$53,017,0006,490
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$05,136
Subordinated debt$0337
All other liabilities$113,00010,961
Total equity capital$2,635,0009,928
Total bank equity capital$2,635,0009,928
Perpetual preferred stock$0288
Common stock$010,908
Surplus$011,041
Undivided profits$2,635,0006,630
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$011,056
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$184,0009,066
Earning assets$53,718,0006,749
Long-term assets (5+ years)$35,720,0001,563
Average Assets, year-to-date$54,989,4006,826
Average Assets, quarterly$56,202,0006,885
Volatile liabilities$4,436,0007,333
Insider loans$335,0006,745
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$011,319
Tier 1 (core) risk-based capital$2,853,0009,593
Tier 2 risk-based capital$51,00011,473
Total risk weighted assets$24,523,9008,002
Total unused commitments$011,320
Derivatives$0628
1994-12-31Rank
# of Employees:178,823
Assets and Liabilities
Total Assets:$52,839,0007,242
Cash and due from depository institutions$1,120,0008,823
Interest-bearing balances$572,0003,182
Securities$18,478,0006,228
Federal funds sold & reverse repurchase agreements$08,397
Net loans & leases$31,903,0006,763
Loan loss allowance$51,00012,215
Trading account assets$0286
Bank premises and fixed assets$686,0007,453
Other real estate owned$08,823
Goodwill and other intangibles$03,133
All other assets$652,0008,555
Life insurance assets$01
Total liabilities and capital$52,839,0007,242
Total liabilities$50,674,0006,968
Total deposits$49,399,0006,857
Interest-bearing deposits$49,168,0006,155
Deposits held in domestic offices$49,399,0006,850
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$1,100,0003,055
Subordinated debt$0372
All other liabilities$175,0009,501
Total equity capital$2,165,00010,687
Total bank equity capital$2,165,00010,687
Perpetual preferred stock$0310
Common stock$011,459
Surplus$011,565
Undivided profits$2,165,0006,911
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$011,640
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$130,00010,120
Earning assets$50,953,0006,975
Long-term assets (5+ years)$28,383,0001,917
Average Assets, year-to-date$55,150,2006,933
Average Assets, quarterly$54,959,5007,026
Volatile liabilities$5,336,0006,508
Insider loans$196,0008,222
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$724,0009,760
Tier 1 (core) risk-based capital$3,395,0009,047
Tier 2 risk-based capital$51,00012,091
Total risk weighted assets$22,251,2008,545
Total unused commitments$724,0009,766
Derivatives$0687
1993-12-31Rank
# of Employees:169,438
Assets and Liabilities
Total Assets:$54,462,0007,314
Cash and due from depository institutions$1,005,0009,438
Interest-bearing balances$528,0004,232
Securities$30,245,0004,449
Federal funds sold & reverse repurchase agreements$010,345
Net loans & leases$22,046,0008,411
Loan loss allowance$51,00012,867
Trading account assets$0330
Bank premises and fixed assets$667,0007,712
Other real estate owned$09,438
Goodwill and other intangibles$03,091
All other assets$499,0009,372
Life insurance assets$01
Total liabilities and capital$54,462,0007,314
Total liabilities$50,718,0007,180
Total deposits$50,506,0006,999
Interest-bearing deposits$50,291,0006,308
Deposits held in domestic offices$50,506,0006,991
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$05,027
Subordinated debt$0413
All other liabilities$212,0009,016
Total equity capital$3,744,0008,719
Total bank equity capital$3,744,0008,719
Perpetual preferred stock$0343
Common stock$011,979
Surplus$012,104
Undivided profits$3,744,0005,348
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$012,424
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$104,00010,886
Earning assets$52,819,0007,032
Long-term assets (5+ years)$19,197,0002,758
Average Assets, year-to-date$54,856,6007,124
Average Assets, quarterly$54,856,5007,221
Volatile liabilities$3,437,0007,901
Insider loans$198,0008,360
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$547,00010,399
Tier 1 (core) risk-based capital$3,744,0008,633
Tier 2 risk-based capital$51,00012,662
Total risk weighted assets$19,431,1009,282
Total unused commitments$547,00010,415
Derivatives$0714
1992-12-31Rank
# of Employees:169,734
Assets and Liabilities
Total Assets:$54,268,0007,447
Cash and due from depository institutions$3,018,0009,734
Interest-bearing balances$2,464,0002,388
Securities$27,547,0004,801
Federal funds sold & reverse repurchase agreements$011,296
Net loans & leases$22,204,0008,432
Loan loss allowance$51,00013,390
Trading account assets$0344
Bank premises and fixed assets$538,0008,655
Other real estate owned$09,734
Goodwill and other intangibles$03,106
All other assets$961,0006,544
Life insurance assets$01
Total liabilities and capital$54,268,0007,447
Total liabilities$50,627,0007,322
Total deposits$50,304,0007,173
Interest-bearing deposits$50,033,0006,489
Deposits held in domestic offices$50,304,0007,166
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$05,085
Subordinated debt$0482
All other liabilities$323,0007,859
Total equity capital$3,641,0008,738
Total bank equity capital$3,641,0008,738
Perpetual preferred stock$0346
Common stock$012,472
Surplus$012,588
Undivided profits$3,641,0005,272
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$013,091
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$144,00010,200
Earning assets$52,215,0007,183
Long-term assets (5+ years)$011,806
Average Assets, year-to-date$56,762,8007,066
Average Assets, quarterly$55,233,0007,301
Volatile liabilities$3,261,0008,247
Insider loans$09,493
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$82,00012,206
Tier 1 (core) risk-based capital$3,641,0008,664
Tier 2 risk-based capital$51,00013,112
Total risk weighted assets$19,614,0009,400
Total unused commitments$582,00010,320
Derivatives$0651