Firstar Bank U.S.A., National Association - Overview
General
FDIC Certificate #: 34039 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:U.S. Bank National Association ND (#34590) Federal Reserve ID: 2315922 Date Established: July 03, 1995 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Interstate: No) FDIC's unique #: 56016 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: July 03, 1995 Last Structure Change Effective Date: October 01, 2001 Last Structure Change Process Date: October 18, 2001 Last Data Update: October 18, 2001 Data Source Date: April 05, 2012
Location
Address: 1529 White Oak Drive, Waukegan, IL 60085 County: Lake Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Kansas City FDIC Field Office: Chicago Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Chicago, IL (#1600) Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14) Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176) Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980) CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980) Core Based Statistical Division: Lake County-Kenosha County, IL-WI (#29404)
Financial Summary
Total assets: $613.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
72Total employees (full-time equivalent)
$635,953Total assets
$56,043Cash and due from depository institutions
$0Interest-bearing balances
$2,920Securities
$0Federal funds sold & reverse repurchase agreements
$476,494Net loans & leases
$27,859Loan loss allowance
$0Trading account assets
$239Bank premises and fixed assets
$0Other real estate owned
$24,129Goodwill and other intangibles
$0Life insurance assets
$76,128All other assets
$635,953Total liabilities and capital
$498,165Total liabilities
$3,911Total deposits
$0Interest-bearing deposits
$3,911Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$472,121Other borrowed funds
$0Subordinated debt
$22,133All other liabilities
$137,788Total equity capital
$137,788Total bank equity capital
$137,788Perpetual preferred stock
$0Common stock
$5,300Surplus
$92,046Undivided profits
Memoranda
$40,442Noncurrent loans and leases
$1,285,298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$8,714Earning assets
$0Long-term assets (5+ years)
$9,190Average Assets, year-to-date
$479,414Average Assets, quarterly
$0Volatile liabilities
$517,897Insider loans
$570,865FHLB advances
$472,121Loans and leases held for sale
$176Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$1,285,298Total unused commitments
$0Restructured Loans and leases
$7,701Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$63,843Total interest income
$27,753Total interest expense
$36,090Net interest income
$12,750Provision for loan and lease losses
$60,638Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$60,638Additional noninterest income
$30,058Total noninterest expense
$3,777Salaries and employee benefits
$226Premises and equipment expense
$26,055Additional noninterest expense
$53,920Pre-tax net operating income
$0Securities gains (losses)
$19,638Applicable income taxes
$34,282Income before extraordinary items
$0Extraordinary gains - net
$34,282Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$8,679Sale, conversion, retirement of capital stock, net
$80,500Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
15.76%Yield on earning assets
6.85%Cost of funding earning assets
8.91%Net interest margin
14.97%Noninterest income to earning assets
7.42%Noninterest expense to earning assets
6.62%Net operating income to assets
6.62%Return on assets (ROA)
10.41%Pretax return on assets
23.89%Return on equity (ROE)
-32.21%Retained earnings to average equity (YTD only)
2.03%Net charge-offs to loans
146.91%Credit loss provision to net charge-offs
7.68%Efficiency ratio
25,135Assets per employee
8.83%Cash dividends to net income (YTD only)
Condition Ratios (%)
234.82%Loss allowance to loans
5.52%Loss allowance to noncurrent loans
319.70%Noncurrent assets plus other real estate owned to assets
1.37%Noncurrent loans to loans
1.73%Net loans and leases to deposits
12183.43%Net loans and leases to core deposits
12183.43%Equity capital to assets
21.67%Core capital (leverage) ratio
24.37%Tier 1 risk-based capital ratio
23.12%Total risk-based capital ratio
Memoranda
$24Average assets
$517,897Average earning assets
$143,482Average equity
$405,055Average loans
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