One small detail foiled the armed robber at the National City Bank: The branch never carries cash.

Harold Berry, 42, was charged with attempted robbery last week after allegedly walking into the loan application-only bank, opening a note and reading to the teller: "Give me all your money. I have a gun." 

"Sir, we don't have any cash here," assistant bank manager Kathy Ross responded. 

The bank robber, disguised in a baseball cap and fake ponytail, demanded Ross open all of the drawers before he fled empty-handed. 

"He obviously didn't do his research," bank employee Tom Louters said. 

Berry was arrested 40 minutes later in a vehicle matching the description of the getaway car. 

He is a former police officer who was fired in 1996 after an off-duty, New Year's Eve brawl with an acquaintance.