Bank One, Fond du Lac in Fond Du Lac, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 07, 1996

Bank One, Fond du Lac in Fond Du Lac, Wisconsin (WI)
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Bank One, Fond du Lac - Overview

General
FDIC Certificate #: 12806
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, Wisconsin (#2487)
Federal Reserve ID: 581442
Date Established: January 01, 1902
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Interstate: No)
FDIC's unique #: 8110
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 07, 1996
Last Structure Change Process Date: January 16, 1997
Last Data Update: January 16, 1997
Data Source Date: April 05, 2012
Location
Address: 8 South Main Street, Fond Du Lac, WI 54935
County: Fond Du Lac
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Appleton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
Core Based Statistical Area (CBSA): Fond du Lac, WI (#22540)
CBSA Metro Statistical Area: Fond du Lac, WI (#22540)
Financial Summary
Total assets: $138.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$65Total assets
$139,473Cash and due from depository institutions
$19,114Interest-bearing balances
$13,287Securities
$25,633Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$90,415Loan loss allowance
$1,110Trading account assets
$0Bank premises and fixed assets
$1,889Other real estate owned
$0Goodwill and other intangibles
$2,018Life insurance assets
$404All other assets
$0Total liabilities and capital
$139,473Total liabilities
$126,658Total deposits
$109,470Interest-bearing deposits
$97,098Deposits held in domestic offices
109470.00%% insured (estimated)
$95Federal funds purchased & repurchase agreements
$14,760Trading liabilities
$0Other borrowed funds
$72Subordinated debt
$0All other liabilities
$2,356Total equity capital
$2,356Total bank equity capital
$12,815Perpetual preferred stock
$0Common stock
$300Surplus
$7,700Undivided profits
Memoranda
$4,815Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$219Income earned, not collected on loans
$614Earning assets
$129,335Long-term assets (5+ years)
$5,249Average Assets, year-to-date
$132,706Average Assets, quarterly
$138,179Volatile liabilities
$18,052Insider loans
$976FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$39,146Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$12,593Total risk weighted assets
$104,224Total unused commitments
$0Restructured Loans and leases
$45,143Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$10,410Total interest expense
$4,993Net interest income
$5,417Provision for loan and lease losses
$268Total noninterest income
$823Fiduciary activities
$0Service charges on deposit accounts
$418Trading account gains & fees
$0Additional noninterest income
$405Total noninterest expense
$4,365Salaries and employee benefits
$1,522Premises and equipment expense
$409Additional noninterest expense
$2,434Pre-tax net operating income
$1,607Securities gains (losses)
$7Applicable income taxes
$503Income before extraordinary items
$1,111Extraordinary gains - net
$0Net income attributable to bank
$1,111Net charge-offs
$168Cash dividends
$641Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.39%Cost of funding earning assets
4.03%Net interest margin
4.37%Noninterest income to earning assets
0.66%Noninterest expense to earning assets
3.52%Net operating income to assets
0.83%Return on assets (ROA)
0.84%Pretax return on assets
1.22%Return on equity (ROE)
8.96%Retained earnings to average equity (YTD only)
3.79%Net charge-offs to loans
0.18%Credit loss provision to net charge-offs
159.52%Efficiency ratio
68,638Assets per employee
2.15%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.70%Loss allowance to loans
1.21%Loss allowance to noncurrent loans
506.85%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.24%Net loans and leases to deposits
82.59%Net loans and leases to core deposits
85.15%Equity capital to assets
9.19%Core capital (leverage) ratio
9.19%Tier 1 risk-based capital ratio
12.08%Total risk-based capital ratio
Memoranda
$13Average assets
$132,706Average earning assets
$12,401Average equity
$124,010Average loans

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