Vitals
  • Total Assets
    46.4B 1.0 %
  • Total Deposits
    21.7B -1.5 %
  • Total Net Loans
    32.8B 4.0 %
  • Net Income
    127.8M -27.2 %
  • Book Value
    8.0B 1.5 %
  • Book Value x2
    16.1B 1.5 %
  • Book Value x3
    24.1B 1.5 %
ROAA

.554

ROAE

3.18

Efficiency Ratio

60.591

Net Interest Margin

2.302

Balance Sheet Highlights
Financial Highlights Charter One Bank, National Association All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 46,376,252 316,630
Total Net Loans 32,809,563 679,703
Total Deposits 21,672,489 244,819
Total Equity 8,032,962 29,904
Profitability
Net Income 127,756 64,330
Return on Average Assets .554 1.91
Return on Average Equity 3.18 10.452
Net Interest Margin 2.302 3.89
Efficiency Ratio 60.591 70.151
Noninterest Income/Revenue 15.307 20.431
Balance Sheet Ratios
Loan-to-Deposit 151.388 84.363
Securities/Assets .1 3.621
Total Equity/Total Assets .173 .094
Tangible Equity/Tangible Assets .05 -5.2
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 2,489,798 27,876
Tier 2 Capital 662,894 17,217
Total Capital 3,152,692 31,505
Total Risk Weighted Assets 30,656,252 229,232
Leverage Ratio 6.16 10.563
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 8.12 16.14
Total Capital Ratio 10.28 17.336

Timeline for Charter One Bank, National Association

Citizens Bank, National Association

Charter One Bank, National Association was acquired by Citizens Bank, National Association 16 years

View Profile Sep 01 2007

Rbs Citizens Insurance Agency,Inc.

Rbs Citizens Insurance Agency,Inc. became a new subsidiary organization for Charter One Bank, National Association.

View Profile Aug 29 2007

Cco Mortgage Corp.

Cco Mortgage Corp. became a new subsidiary organization for Charter One Bank, National Association.

View Profile Aug 29 2007

Cfg Appraisal Inc.

Cfg Appraisal Inc. became a new subsidiary organization for Charter One Bank, National Association.

View Profile Aug 29 2007

Icx Corporation

Icx Corporation became a new subsidiary organization for Charter One Bank, National Association.

View Profile Aug 29 2007

Want to see more?

Complete timeline for Charter One Bank, National Association is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Citizens Bank, National Association Buyer 114,604,518 Pooling of Interests Discontinued 9/1/2007
First National Bank Seller 466,778 Acquisition Discontinued 2/1/2007
Greatbank Chicago Seller 308,062 Acquisition Discontinued 2/1/2007
Greatbank Seller 355,175 Acquisition Discontinued 2/1/2007
Advance Bank, S.B. Seller 280,986 Pooling of Interests Discontinued 7/11/2003
Gccc, Inc. Seller Pooling of Interests Discontinued 5/31/2003
Charter Bank Seller 354,586 Pooling of Interests Discontinued 8/9/2002
Charter One Commercial Seller 257,903 Pooling of Interests Discontinued 5/17/2002
Superior Federal Bank, Fsb Seller 755,465 Sale of Assets 11/20/2001
Liberty Federal Bank Seller 2,008,618 Discontinued 7/2/2001
Asbany Corp. Seller Discontinued 12/30/2000
Atm Connection, Inc. Seller Discontinued 3/29/2000
St Paul Federal Bank For Savings Seller 6,154,052 Discontinued 10/2/1999
Albank Commercial Seller 794,685 Discontinued 5/29/1999
Albank, Fsb Seller 3,689,416 Discontinued 12/1/1998
Cuyahoga Savings Association Seller 392,967 Discontinued 10/17/1998
The Rochester Community Savings Bank Seller 4,106,674 Discontinued 10/4/1997
Home Bank, F.S.B. Seller 345,419 Discontinued 9/20/1997
First Federal Of Michigan Seller 8,458,553 Discontinued 11/1/1995
Women's Federal Savings Bank Seller 822,432 Discontinued 1/22/1993
First American Savings Bank, Fsb Seller 700,779 Discontinued 9/18/1992
First Federal Savings Association Of Toledo Seller 878,349 Failure 9/28/1991
Civic Federal Savings Bank Seller 50,518 Failure 8/3/1991
Broadview Federal Savings Bank Seller 1,292,584 Failure 5/19/1990
Western Reserve Savings Bank Seller 183,310 Discontinued 8/10/1989
First Federal Savings And Loan Association Seller 277,143 Discontinued 8/10/1989
Peoples Savings Association Seller 374,406 Discontinued 1/1/1987
Thrift Federal Savings And Loan Association Seller 62,443 Discontinued 8/1/1986
First Federal Savings And Loan Association Seller 99,320 Discontinued 4/1/1985
First Federal Savings And Loan Association Seller Discontinued 5/1/1982
Girard Federal Savings And Loan Association Seller Discontinued 9/18/1981
First Federal Savings And Loan Association Seller Discontinued 3/1/1981
Eagle Federal Savings And Loan Association Of Worthington Seller Discontinued 2/1/1981
Relationships Role Relationship Start Relationship End
Citizens Financial Group, Inc. Parent 9/1/2004 8/31/2007
Charter One Financial, Inc. Parent 8/21/2002 8/31/2004
Charter-Michigan Bancorp, Inc. Parent 5/7/2002 8/20/2002
Charter-Michigan Bancorp, Inc. Parent 11/30/1998 5/6/2002
Charter-Michigan Bancorp, Inc. Parent 1/1/1997 11/29/1998
Charter One Financial, Inc. Parent 1/29/1988 12/31/1996
Citizens Asset Finance, Inc. Subsidary 1/1/2006 8/31/2007
Citizens One Community Development Corporation Subsidary 6/30/2007 8/31/2007
Servco, Inc. Subsidary 6/30/2007 8/31/2007
Superior West Incorporated Subsidary 6/30/2007 8/31/2007
1215 Financial Center Associates, Ltd. Subsidary 6/30/2007 8/31/2007
Charter One Securities, Inc. Subsidary 6/30/2007 8/31/2007
Rbs Citizens Insurance Agency,Inc. Subsidary 8/29/2007 8/31/2007
Cco Mortgage Corp. Subsidary 8/29/2007 8/31/2007
Charter One Auto Finance Corp. Subsidary 6/30/2007 8/31/2007
Cfg Appraisal Inc. Subsidary 8/29/2007 8/31/2007
Icx Corporation Subsidary 8/29/2007 8/31/2007
Citizens Automobile Finance, Inc Subsidary 6/30/2007 8/31/2007
First Financial Services And Development Corp., The Subsidary 6/30/2007 8/28/2007
Citizens One Community Development Corporation Subsidary 12/29/2000 6/29/2007
Servco, Inc. Subsidary 11/30/1998 6/29/2007
First Financial Services And Development Corp., The Subsidary 11/30/1998 6/29/2007
Superior West Incorporated Subsidary 11/30/1998 6/29/2007
1215 Financial Center Associates, Ltd. Subsidary 11/30/1998 6/29/2007
Charter One Securities, Inc. Subsidary 12/29/2000 6/29/2007
Charter One Auto Finance Corp. Subsidary 11/6/2004 6/29/2007
Citizens Automobile Finance, Inc Subsidary 11/11/2004 6/29/2007
Liberty Title Agency Subsidary 9/1/2004 6/1/2005
Preferred Mortgage Associates, Ltd Subsidary 7/2/2001 6/1/2005
Charter Lending, Llc Subsidary 8/9/2002 8/30/2004
Gccc, Inc. Subsidary 11/30/1998 5/30/2003
Charter One Credit Corp. Subsidary 12/28/2000 12/30/2002
Southwest Service Corporation Subsidary 7/2/2001 12/30/2002
Liberty Financial Services, Inc. Subsidary 7/2/2001 10/1/2002
Investment Network Advisors, Inc. Subsidary 12/29/2000 3/18/2002
Spf Insurance Agency, Inc. Subsidary 10/2/1999 12/1/2001
Aplan Holding Company, Inc., The Subsidary 11/30/1998 8/31/2001
Shore Holdings, Inc. Subsidary 11/30/1998 8/31/2001
Liberty Real Estate Holdings, Inc. Subsidary 7/2/2001 8/24/2001
Lfb Operations Llc Subsidary 7/2/2001 7/12/2001
Lfb Compliance, Llc Subsidary 7/2/2001 7/12/2001
Gable Cvf, Inc. Subsidary 12/29/2000 4/16/2001
Asbany Corp. Subsidary 11/30/1998 12/29/2000
Investment Network, Inc. Subsidary 3/29/2000 12/29/2000
St. Paul Investment Corporation Subsidary 10/1/1999 3/30/2000
St. Paul Securities, Inc. Subsidary 10/2/1999 3/28/2000
Community Finance Corporation Subsidary 10/2/1999 3/28/2000
Serve Corps Mortgage Corporation Subsidary 10/2/1999 3/28/2000
Beverly Acquisition Corporation Subsidary 10/2/1999 3/28/2000
Efs/San Diego Service Corporation Subsidary 10/2/1999 3/28/2000
Mpi Illinois Corporation Subsidary 10/2/1999 3/28/2000
Managed Properties, Inc. Subsidary 10/2/1999 3/28/2000
Atm Connection, Inc. Subsidary 10/2/1999 3/28/2000
1001 Holding Inc. Subsidary 11/1/1995 11/5/1997
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