Bank One, Lafayette, National Association in Lafayette, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 22, 1997

  • Bank One, Lafayette, National Association in Lafayette, Indiana (IN)
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Bank One, Lafayette, National Association - Overview

  • General
  • FDIC Certificate #: 4350
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Indiana, National Association (#4345)
    Federal Reserve ID: 340340
    Date Established: January 01, 1853
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Interstate: No)
    FDIC's unique #: 2858
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 22, 1997
    Last Structure Change Process Date: March 27, 1997
    Last Data Update: March 27, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Main Street, Lafayette, IN 47902
    County: Tippecanoe
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Lafayette, IN (#3920)
    Combined Statistical Area (CSA): Lafayette-Frankfort, IN (#320)
    Core Based Statistical Area (CBSA): Lafayette, IN (#29140)
    CBSA Metro Statistical Area: Lafayette, IN (#29140)
  • Financial Summary
  • Total assets: $979.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $498Total assets
  • $979,939Cash and due from depository institutions
  • $25,700Interest-bearing balances
  • $0Securities
  • $51,382Federal funds sold & reverse repurchase agreements
  • $71,566Net loans & leases
  • $746,829Loan loss allowance
  • $10,491Trading account assets
  • $0Bank premises and fixed assets
  • $9,003Other real estate owned
  • $0Goodwill and other intangibles
  • $72,503Life insurance assets
  • $2,956All other assets
  • $0Total liabilities and capital
  • $979,939Total liabilities
  • $850,512Total deposits
  • $558,387Interest-bearing deposits
  • $438,030Deposits held in domestic offices
  • 558387.00%% insured (estimated)
  • $67Federal funds purchased & repurchase agreements
  • $246,574Trading liabilities
  • $0Other borrowed funds
  • $782Subordinated debt
  • $0All other liabilities
  • $44,769Total equity capital
  • $44,769Total bank equity capital
  • $129,427Perpetual preferred stock
  • $0Common stock
  • $13,800Surplus
  • $13,800Undivided profits
  • Memoranda
  • $101,827Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,521Income earned, not collected on loans
  • $6,559Earning assets
  • $869,777Long-term assets (5+ years)
  • $94,369Average Assets, year-to-date
  • $1,004,058Average Assets, quarterly
  • $1,024,934Volatile liabilities
  • $302,647Insider loans
  • $12,242FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $145,980Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $129,508Total risk weighted assets
  • $865,629Total unused commitments
  • $0Restructured Loans and leases
  • $716,343Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $105,734Total interest expense
  • $40,534Net interest income
  • $65,200Provision for loan and lease losses
  • $16,470Total noninterest income
  • $86,371Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,604Trading account gains & fees
  • $12Additional noninterest income
  • $83,755Total noninterest expense
  • $57,806Salaries and employee benefits
  • $14,760Premises and equipment expense
  • $3,625Additional noninterest expense
  • $39,421Pre-tax net operating income
  • $77,295Securities gains (losses)
  • $0Applicable income taxes
  • $28,012Income before extraordinary items
  • $49,283Extraordinary gains - net
  • $0Net income attributable to bank
  • $49,283Net charge-offs
  • $20,709Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 11.47%Cost of funding earning assets
  • 4.40%Net interest margin
  • 7.07%Noninterest income to earning assets
  • 9.37%Noninterest expense to earning assets
  • 6.27%Net operating income to assets
  • 4.91%Return on assets (ROA)
  • 4.91%Pretax return on assets
  • 7.70%Return on equity (ROE)
  • 53.11%Retained earnings to average equity (YTD only)
  • 53.11%Net charge-offs to loans
  • 2.43%Credit loss provision to net charge-offs
  • 79.53%Efficiency ratio
  • 37,233Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 297.96%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.46%Net loans and leases to deposits
  • 133.75%Net loans and leases to core deposits
  • 148.53%Equity capital to assets
  • 13.21%Core capital (leverage) ratio
  • 12.31%Tier 1 risk-based capital ratio
  • 14.96%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $1,004,058Average earning assets
  • $92,788Average equity
  • $921,599Average loans

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