更新时间：2024-09-21 16:27
美国国民城市银行（纽约证券交易所代码：NCC）创立于1845年，总部设在美国俄亥俄州克利夫兰。曾经是存款，抵押贷款和房屋净值信用方面在美国十大银行之一。
美国国民城市银行（纽约证券交易所： NCC ） ，总部设在美国俄亥俄州克里夫兰市，并于1845年成立，曾经是十年最大的银行在美国的存款，抵押贷款和房屋净值信用额度贷款。
国民城市银行是美国第十大银行，也是俄亥俄州第一大银行。
National City Corporation (NYSE: NCC), based in Cleveland, Ohio, USA, and founded in 1845, used to be one of the ten largest banks in America in terms of deposits, mortgages and home equity lines of credit. Subsidiary National City Mortgage is credited for doing the first mortgage in America. The company operates through an extensive banking network primarily in Ohio, Illinois, Indiana, Kentucky, 密歇根大学, Missouri, Pennsylvania, Florida, and Wisconsin, and also serves customers in Selected markets nationally. Its core businesses include commercial and retail banking, mortgage financing and servicing, consumer finance, and asset 管理学 The bank reaches out to customers primarily through 质量 advertising and offers comprehensive banking Services online.
As of 2007, National City Corp. ranked number 188 on the Fortune 500 list, and 9th in terms of revenue in the U.S. commercial banking industry with total assets of about $140 billion and a market cap of $24.542.1 billion
The Wall Street Journal reported on June 6, 2008 that National City Corp. had entered into a memorandum of understanding with federal regulators, effectively putting the bank on probation. Terms of the confidential agreement, entered into a month earlier with the Office of the Comptroller of the Currency (which regulates nationally chartered banks), were not known.1
On June 10, 2008, National City Corp. confirmed that it had reached agreements with regulators "regarding capital levels, risk-management practices and other aspects of its business." The company stated that there had been no material developments in these areas since these memorandums of understanding were signed in April and May, 2008.2
National City Bank was founded on 17 May 1845, when a group of Cleveland businessmen pooled $50,000 to organize the City Bank of Cleveland, the first bank opened under the Ohio Bank Act of 1845 in a small town with no gas, electricity, public waterworks, or railroad. 3 Reuben Sheldon and Theodoric C.
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National City has been on an acquisition spree of late, including its $2.1 billion purchase of Cincinnati-based Provident Financial Group in 2004. In addition, in 2005, National City acquired Allegiant Bancorp to secure a presence in the St. Louis, MO market. In 2006, they acquired Fidelity Bankshares Inc. for an estimated $1 billion dollar deal that is half cash, half stock. Also acquiring Harbor Florida Bancshares Inc. through a $1.1 billion stock deal, both banks are located in Florida. Combined it gives National City $7.4 billion of assets in Florida. It also gives National City 94 branches in a market that is growing quickly. On the other side of the ledger, National City sold to Bank of America its 83% stake in National Processing Company, which earns fees from processing merchant credit card transactions. The sale of San Jose, California based First Franklin origination franchise and related servicing Platform to Merrill Lynch \u0026 Co. was completed on 30 December 2006 for $1.3 billion In May 2007, National City announced the purchase of MAF Bancorp Inc., the holding company for MidAmerica Bank. As of 30 June 2006, MidAmerica Bank had the 9th-ranked market share in the 芝加哥-Naperville-joliet Metropolitan Statistical Area at 2.18%. Following the merger using the same dataset, the combined National City and MidAmerica Banks will rank 4th in the market with a market share of 3.96% and deposits of more than $10 billion.5
Now there is speculation in the Wall Street Journal that National City Bank with help from Goldman Sachs are shopping the bank for purchase. The rough housing market has led to NCB into dark waters filled with many failing mortgages. This paired with poor economies in the core areas of National City Bank's retail location have severely hurt the company. Stocks have dropped from a 52 week high of over $38.00 per share down to just over $12.00 at the close of the day Friday once the news had hit the market that NCB may be sold. As of July 15th, the stock was trading at roughly $3 per share. According to Reuters, 伦敦 banking giant HSBC has been identified as a potential buyer. As of October 2008, the stock price has been volatile going from $5 to $1.36 to $3 again. There seems to be major speculation about the company's well-being, as they have been known to be involved in the subprime market, but has yet to release any unexpectedly major negative results.
On April 20, 2008, Corsair Partners bought a stake in National City 提顶·玛哈由踏纳 National City Bank will remain a Cleveland based bank with many employees not being laid-off. Corsair now effectively controls National City but agreed to let Peter Raskind keep his job. Raskind received criticism from shareholders for self dealing. It is believed that National City shareholders would have been better off had Raskind sold National City to Fifth Third. Recent accounting rule changes which require bad loans to be marked to market upon acquisition, made an acquisition of National City unattractive to Fifth Third and other strategic buyers.
↑ National City under U.S. regulatory scrutiny: report, Rueters, June 6, 2008 ↑ National City confirms agreements with regulators, MarketWatch.com, June 10, 2008 ↑ National City 150th Celebration Book Team: National City -- 150 Years, 1995 ↑ http://www.answers.com/topic/national-city-corp National City Corp.: Information from Answers.com ↑ http://www2.fdic.gov/sod/sodMarketBank.asp?barItem=2 FDIC, Deposit Market Share – Pro Forma HHI Report Selection