Bank One, Rockford, National Association in Rockford, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 15, 1997

  • Bank One, Rockford, National Association in Rockford, Illinois (IL)
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Bank One, Rockford, National Association - Overview

  • General
  • FDIC Certificate #: 3734
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Illinois, National Association (#935)
    Federal Reserve ID: 43940
    Date Established: December 14, 1854
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 9 (Interstate: No)
    FDIC's unique #: 2399
    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: Febuary 15, 1997
    Last Structure Change Process Date: Febuary 25, 1997
    Last Data Update: Febuary 26, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 6000 East State Street, Rockford, IL 61125
    County: Winnebago
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Rockford, IL (#6880)
    Combined Statistical Area (CSA): Rockford-Freeport-Rochelle, IL (#466)
    Core Based Statistical Area (CBSA): Rockford, IL (#40420)
    CBSA Metro Statistical Area: Rockford, IL (#40420)
  • Financial Summary
  • Total assets: $743.2 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)
  • $238Total assets
  • $743,244Cash and due from depository institutions
  • $39,749Interest-bearing balances
  • $0Securities
  • $167,707Federal funds sold & reverse repurchase agreements
  • $29,875Net loans & leases
  • $471,404Loan loss allowance
  • $4,255Trading account assets
  • $0Bank premises and fixed assets
  • $22,978Other real estate owned
  • $119Goodwill and other intangibles
  • $11,217Life insurance assets
  • $195All other assets
  • $0Total liabilities and capital
  • $743,244Total liabilities
  • $669,082Total deposits
  • $588,675Interest-bearing deposits
  • $487,768Deposits held in domestic offices
  • 588675.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $66,684Trading liabilities
  • $0Other borrowed funds
  • $4,760Subordinated debt
  • $0All other liabilities
  • $8,963Total equity capital
  • $8,963Total bank equity capital
  • $74,162Perpetual preferred stock
  • $0Common stock
  • $6,260Surplus
  • $16,240Undivided profits
  • Memoranda
  • $51,662Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,168Income earned, not collected on loans
  • $3,690Earning assets
  • $668,986Long-term assets (5+ years)
  • $73,610Average Assets, year-to-date
  • $779,765Average Assets, quarterly
  • $744,830Volatile liabilities
  • $118,240Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $112,728Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $73,343Total risk weighted assets
  • $586,783Total unused commitments
  • $0Restructured Loans and leases
  • $122,502Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $58,061Total interest expense
  • $27,457Net interest income
  • $30,604Provision for loan and lease losses
  • $1,275Total noninterest income
  • $9,901Fiduciary activities
  • $4,166Service charges on deposit accounts
  • $3,540Trading account gains & fees
  • $0Additional noninterest income
  • $2,195Total noninterest expense
  • $26,198Salaries and employee benefits
  • $10,136Premises and equipment expense
  • $4,333Additional noninterest expense
  • $11,729Pre-tax net operating income
  • $13,032Securities gains (losses)
  • $75Applicable income taxes
  • $4,093Income before extraordinary items
  • $9,014Extraordinary gains - net
  • $0Net income attributable to bank
  • $9,014Net charge-offs
  • $2,729Cash dividends
  • $18,650Sale, 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
  • 8.26%Cost of funding earning assets
  • 3.91%Net interest margin
  • 4.36%Noninterest income to earning assets
  • 1.41%Noninterest expense to earning assets
  • 3.73%Net operating income to assets
  • 1.15%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 1.68%Return on equity (ROE)
  • 11.88%Retained earnings to average equity (YTD only)
  • -12.70%Net charge-offs to loans
  • 0.56%Credit loss provision to net charge-offs
  • 46.72%Efficiency ratio
  • 64,432Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 206.90%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 102.09%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 80.08%Net loans and leases to core deposits
  • 87.00%Equity capital to assets
  • 9.98%Core capital (leverage) ratio
  • 9.92%Tier 1 risk-based capital ratio
  • 12.50%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $779,765Average earning assets
  • $75,858Average equity
  • $702,602Average loans

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