Firstar Bank Rice Lake, National Association in Rice Lake, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 15, 1996

  • Firstar Bank Rice Lake, National Association in Rice Lake, Wisconsin (WI)
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Firstar Bank Rice Lake, National Association - Overview

  • General
  • FDIC Certificate #: 5363
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Firstar Bank Wisconsin (#6205)
    Federal Reserve ID: 56959
    Date Established: October 28, 1889
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    FDIC's unique #: 3618
    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: April 15, 1996
    Last Structure Change Process Date: May 08, 1996
    Last Data Update: May 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 138 North Main Street, Rice Lake, WI 54868
    County: Barron
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $163.6 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
  • $162,253Cash and due from depository institutions
  • $6,460Interest-bearing balances
  • $0Securities
  • $50,534Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $101,886Loan loss allowance
  • $1,461Trading account assets
  • $0Bank premises and fixed assets
  • $1,238Other real estate owned
  • $0Goodwill and other intangibles
  • $2,135Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $162,253Total liabilities
  • $149,341Total deposits
  • $146,972Interest-bearing deposits
  • $131,467Deposits held in domestic offices
  • 146972.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $1,065Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,304Total equity capital
  • $1,304Total bank equity capital
  • $12,912Perpetual preferred stock
  • $0Common stock
  • $1,320Surplus
  • $3,030Undivided profits
  • Memoranda
  • $8,562Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,371Income earned, not collected on loans
  • $800Earning assets
  • $152,420Long-term assets (5+ years)
  • $22,236Average Assets, year-to-date
  • $160,093Average Assets, quarterly
  • $162,421Volatile liabilities
  • $7,971Insider loans
  • $6,835FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $18,913Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $12,823Total risk weighted assets
  • $97,405Total unused commitments
  • $0Restructured Loans and leases
  • $20,000Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,451Total interest expense
  • $5,705Net interest income
  • $5,746Provision for loan and lease losses
  • $101Total noninterest income
  • $994Fiduciary activities
  • $0Service charges on deposit accounts
  • $394Trading account gains & fees
  • $1Additional noninterest income
  • $599Total noninterest expense
  • $4,132Salaries and employee benefits
  • $1,619Premises and equipment expense
  • $451Additional noninterest expense
  • $2,062Pre-tax net operating income
  • $2,507Securities gains (losses)
  • $0Applicable income taxes
  • $455Income before extraordinary items
  • $2,052Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,052Net charge-offs
  • $115Cash dividends
  • $1,600Sale, 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
  • 7.57%Cost of funding earning assets
  • 3.77%Net interest margin
  • 3.80%Noninterest income to earning assets
  • 0.66%Noninterest expense to earning assets
  • 2.73%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.28%Pretax return on assets
  • 1.57%Return on equity (ROE)
  • 16.00%Retained earnings to average equity (YTD only)
  • 3.53%Net charge-offs to loans
  • 0.11%Credit loss provision to net charge-offs
  • 87.83%Efficiency ratio
  • 61,306Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 77.97%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 106.56%Noncurrent assets plus other real estate owned to assets
  • 0.84%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 69.32%Net loans and leases to core deposits
  • 72.74%Equity capital to assets
  • 7.96%Core capital (leverage) ratio
  • 8.04%Tier 1 risk-based capital ratio
  • 13.16%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $160,093Average earning assets
  • $12,822Average equity
  • $151,209Average loans

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