Firstar Bank Cedar Falls in Cedar Falls, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 11, 1995

  • Firstar Bank Cedar Falls in Cedar Falls, Iowa (IA)
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Firstar Bank Cedar Falls - Overview

  • General
  • FDIC Certificate #: 12412
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Firstar Bank Iowa, National Association (#10895)
    Federal Reserve ID: 197049
    Date Established: April 26, 1888
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 7897
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 11, 1995
    Last Structure Change Process Date: December 27, 1995
    Last Data Update: December 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 222 Washington Street, Cedar Falls, IA 50613
    County: Black Hawk
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Waterloo-Cedar Falls, IA (#8920)
    Core Based Statistical Area (CBSA): Waterloo-Cedar Falls, IA (#47940)
    CBSA Metro Statistical Area: Waterloo-Cedar Falls, IA (#47940)
  • Financial Summary
  • Total assets: $110.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $46Total assets
  • $106,464Cash and due from depository institutions
  • $4,841Interest-bearing balances
  • $0Securities
  • $28,231Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $70,765Loan loss allowance
  • $1,099Trading account assets
  • $0Bank premises and fixed assets
  • $819Other real estate owned
  • $0Goodwill and other intangibles
  • $1,808Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $106,464Total liabilities
  • $98,551Total deposits
  • $85,895Interest-bearing deposits
  • $70,989Deposits held in domestic offices
  • 85895.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $11,622Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,034Total equity capital
  • $1,034Total bank equity capital
  • $7,913Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $4,250Undivided profits
  • Memoranda
  • $2,913Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $75Income earned, not collected on loans
  • $735Earning assets
  • $98,996Long-term assets (5+ years)
  • $13,301Average Assets, year-to-date
  • $102,095Average Assets, quarterly
  • $104,505Volatile liabilities
  • $18,710Insider loans
  • $4,421FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,115Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,913Total risk weighted assets
  • $73,780Total unused commitments
  • $0Restructured Loans and leases
  • $1,265Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,104Total interest expense
  • $2,698Net interest income
  • $4,406Provision for loan and lease losses
  • $29Total noninterest income
  • $871Fiduciary activities
  • $0Service charges on deposit accounts
  • $385Trading account gains & fees
  • $0Additional noninterest income
  • $486Total noninterest expense
  • $3,508Salaries and employee benefits
  • $1,466Premises and equipment expense
  • $290Additional noninterest expense
  • $1,752Pre-tax net operating income
  • $1,740Securities gains (losses)
  • $0Applicable income taxes
  • $472Income before extraordinary items
  • $1,268Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,268Net charge-offs
  • $29Cash dividends
  • $400Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.46%Cost of funding earning assets
  • 2.84%Net interest margin
  • 4.63%Noninterest income to earning assets
  • 0.92%Noninterest expense to earning assets
  • 3.69%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 1.70%Return on equity (ROE)
  • 16.91%Retained earnings to average equity (YTD only)
  • 11.58%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 100.00%Efficiency ratio
  • 66,477Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.55%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 1465.33%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 82.39%Net loans and leases to core deposits
  • 89.80%Equity capital to assets
  • 7.43%Core capital (leverage) ratio
  • 7.97%Tier 1 risk-based capital ratio
  • 10.73%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $102,095Average earning assets
  • $7,499Average equity
  • $95,167Average loans

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