Bank One, Stevens Point, National Association in Stevens Point, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 07, 1996

  • Bank One, Stevens Point, National Association in Stevens Point, Wisconsin (WI)
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Bank One, Stevens Point, National Association - Overview

  • General
  • FDIC Certificate #: 5327
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Wisconsin (#2487)
    Federal Reserve ID: 178440
    Date Established: July 13, 1893
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 3592
    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: 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: 601 Main Street, Stevens Point, WI 54481
    County: Portage
    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
    Core Based Statistical Area (CBSA): Stevens Point, WI (#44620)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $181.1 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)
  • $59Total assets
  • $183,756Cash and due from depository institutions
  • $25,839Interest-bearing balances
  • $15,683Securities
  • $15,072Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $135,957Loan loss allowance
  • $1,850Trading account assets
  • $0Bank premises and fixed assets
  • $2,634Other real estate owned
  • $0Goodwill and other intangibles
  • $3,466Life insurance assets
  • $788All other assets
  • $0Total liabilities and capital
  • $183,756Total liabilities
  • $166,215Total deposits
  • $153,778Interest-bearing deposits
  • $135,409Deposits held in domestic offices
  • 153778.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $8,860Trading liabilities
  • $0Other borrowed funds
  • $421Subordinated debt
  • $0All other liabilities
  • $3,156Total equity capital
  • $3,156Total bank equity capital
  • $17,541Perpetual preferred stock
  • $0Common stock
  • $1,200Surplus
  • $1,440Undivided profits
  • Memoranda
  • $14,901Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $704Income earned, not collected on loans
  • $1,104Earning assets
  • $166,712Long-term assets (5+ years)
  • $4,131Average Assets, year-to-date
  • $179,178Average Assets, quarterly
  • $182,220Volatile liabilities
  • $20,197Insider loans
  • $10,588FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $49,390Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,445Total risk weighted assets
  • $158,918Total unused commitments
  • $0Restructured Loans and leases
  • $77,484Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,207Total interest expense
  • $7,162Net interest income
  • $7,045Provision for loan and lease losses
  • $383Total noninterest income
  • $1,305Fiduciary activities
  • $0Service charges on deposit accounts
  • $628Trading account gains & fees
  • $0Additional noninterest income
  • $677Total noninterest expense
  • $4,805Salaries and employee benefits
  • $1,590Premises and equipment expense
  • $447Additional noninterest expense
  • $2,768Pre-tax net operating income
  • $3,162Securities gains (losses)
  • $9Applicable income taxes
  • $1,118Income before extraordinary items
  • $2,053Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,053Net charge-offs
  • $312Cash dividends
  • $1,344Sale, 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
  • 8.61%Cost of funding earning assets
  • 4.34%Net interest margin
  • 4.27%Noninterest income to earning assets
  • 0.79%Noninterest expense to earning assets
  • 2.91%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 1.77%Return on equity (ROE)
  • 11.98%Retained earnings to average equity (YTD only)
  • 4.14%Net charge-offs to loans
  • 0.22%Credit loss provision to net charge-offs
  • 122.76%Efficiency ratio
  • 55,569Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.47%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 262.78%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.51%Net loans and leases to deposits
  • 88.41%Net loans and leases to core deposits
  • 95.19%Equity capital to assets
  • 9.55%Core capital (leverage) ratio
  • 9.80%Tier 1 risk-based capital ratio
  • 10.98%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $179,178Average earning assets
  • $17,143Average equity
  • $164,944Average loans

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