M&I Citizens American Bank in Merrill, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2001

  • M&I Citizens American Bank in Merrill, Wisconsin (WI)
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M&I Citizens American Bank - Overview

  • General
  • FDIC Certificate #: 14728
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: M&I Marshall and Ilsley Bank (#1020)
    Federal Reserve ID: 5452
    Date Established: March 01, 1933
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 9212
    Numeric code: 13
    Regulator: FED
    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: July 01, 1934
    Last Structure Change Effective Date: April 01, 2001
    Last Structure Change Process Date: April 13, 2001
    Last Data Update: April 13, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 900 East Main Street, Merrill, WI 54452
    County: Lincoln
    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
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Merrill, WI (#32980)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $79.8 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
  • 16Total employees (full-time equivalent)
  • $89,632Total assets
  • $2,800Cash and due from depository institutions
  • $0Interest-bearing balances
  • $16,238Securities
  • $7,859Federal funds sold & reverse repurchase agreements
  • $59,243Net loans & leases
  • $913Loan loss allowance
  • $0Trading account assets
  • $1,030Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,462All other assets
  • $89,632Total liabilities and capital
  • $83,722Total liabilities
  • $81,803Total deposits
  • $71,855Interest-bearing deposits
  • $81,803Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,919All other liabilities
  • $5,910Total equity capital
  • $5,910Total bank equity capital
  • $5,910Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $3,565Undivided profits
  • Memoranda
  • $1,745Noncurrent loans and leases
  • $8,679Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $581Earning assets
  • $0Long-term assets (5+ years)
  • $293Average Assets, year-to-date
  • $83,340Average Assets, quarterly
  • $19,753Volatile liabilities
  • $86,361Insider loans
  • $88,507FHLB advances
  • $19,290Loans and leases held for sale
  • $456Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,679Total unused commitments
  • $0Restructured Loans and leases
  • $721Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $6,280Total interest income
  • $3,571Total interest expense
  • $2,709Net interest income
  • $84Provision for loan and lease losses
  • $515Total noninterest income
  • $0Fiduciary activities
  • $226Service charges on deposit accounts
  • $0Trading account gains & fees
  • $289Additional noninterest income
  • $1,972Total noninterest expense
  • $530Salaries and employee benefits
  • $202Premises and equipment expense
  • $1,240Additional noninterest expense
  • $1,168Pre-tax net operating income
  • -$90Securities gains (losses)
  • $288Applicable income taxes
  • $790Income before extraordinary items
  • $0Extraordinary gains - net
  • $790Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $147Sale, conversion, retirement of capital stock, net
  • $600Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.83%Yield on earning assets
  • 4.45%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 13.73%Return on equity (ROE)
  • 3.30%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 57.14%Credit loss provision to net charge-offs
  • 8.52%Efficiency ratio
  • 61,166Assets per employee
  • 5.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 75.95%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 157.14%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 72.42%Net loans and leases to core deposits
  • 94.77%Equity capital to assets
  • 6.59%Core capital (leverage) ratio
  • 6.73%Tier 1 risk-based capital ratio
  • 10.32%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $86,361Average earning assets
  • $5,754Average equity
  • $80,247Average loans

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