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

This bank is inactive as of December 07, 1996

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

  • General
  • FDIC Certificate #: 26936
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Wisconsin (#2487)
    Federal Reserve ID: 215541
    Date Established: March 05, 1987
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Interstate: No)
    FDIC's unique #: 36329
    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: March 05, 1987
    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: 500 Wisconsin Avenue, Racine, WI 53403
    County: Racine
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Racine, WI (#6600)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Racine, WI (#39540)
    CBSA Metro Statistical Area: Racine, WI (#39540)
  • Financial Summary
  • Total assets: $718.7 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)
  • $273Total assets
  • $746,852Cash and due from depository institutions
  • $114,306Interest-bearing balances
  • $82,046Securities
  • $166,501Federal funds sold & reverse repurchase agreements
  • $27,608Net loans & leases
  • $412,333Loan loss allowance
  • $6,862Trading account assets
  • $0Bank premises and fixed assets
  • $11,744Other real estate owned
  • $2,232Goodwill and other intangibles
  • $11,537Life insurance assets
  • $591All other assets
  • $0Total liabilities and capital
  • $746,852Total liabilities
  • $669,502Total deposits
  • $559,854Interest-bearing deposits
  • $470,250Deposits held in domestic offices
  • 559854.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $103,420Trading liabilities
  • $0Other borrowed funds
  • $700Subordinated debt
  • $0All other liabilities
  • $5,528Total equity capital
  • $5,528Total bank equity capital
  • $77,350Perpetual preferred stock
  • $0Common stock
  • $13,000Surplus
  • $27,981Undivided profits
  • Memoranda
  • $36,369Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,314Income earned, not collected on loans
  • $2,845Earning assets
  • $688,488Long-term assets (5+ years)
  • $38,291Average Assets, year-to-date
  • $749,890Average Assets, quarterly
  • $742,525Volatile liabilities
  • $128,618Insider loans
  • $21,381FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $139,991Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $76,845Total risk weighted assets
  • $534,155Total unused commitments
  • $0Restructured Loans and leases
  • $191,300Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $56,185Total interest expense
  • $25,813Net interest income
  • $30,372Provision for loan and lease losses
  • $780Total noninterest income
  • $8,355Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,963Trading account gains & fees
  • $0Additional noninterest income
  • $5,392Total noninterest expense
  • $23,465Salaries and employee benefits
  • $9,285Premises and equipment expense
  • $2,706Additional noninterest expense
  • $11,474Pre-tax net operating income
  • $14,482Securities gains (losses)
  • -$11Applicable income taxes
  • $3,984Income before extraordinary items
  • $10,487Extraordinary gains - net
  • $0Net income attributable to bank
  • $10,487Net charge-offs
  • $902Cash dividends
  • $6,831Sale, 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
  • 8.10%Cost of funding earning assets
  • 3.72%Net interest margin
  • 4.38%Noninterest income to earning assets
  • 1.20%Noninterest expense to earning assets
  • 3.38%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 1.93%Return on equity (ROE)
  • 13.98%Retained earnings to average equity (YTD only)
  • 4.88%Net charge-offs to loans
  • 0.21%Credit loss provision to net charge-offs
  • 86.47%Efficiency ratio
  • 60,219Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.14%Loss allowance to loans
  • 1.64%Loss allowance to noncurrent loans
  • 51.54%Noncurrent assets plus other real estate owned to assets
  • 2.08%Noncurrent loans to loans
  • 3.18%Net loans and leases to deposits
  • 73.65%Net loans and leases to core deposits
  • 77.02%Equity capital to assets
  • 10.36%Core capital (leverage) ratio
  • 10.43%Tier 1 risk-based capital ratio
  • 14.39%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $749,890Average earning assets
  • $74,993Average equity
  • $693,730Average loans

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