Merchants Bank, National Association in Onalaska, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2008

  • Merchants Bank, National Association in Onalaska, Wisconsin (WI)
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Merchants Bank, National Association - Overview

  • General
  • FDIC Certificate #: 10181
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Merchants Bank, National Association (#57493)
    Federal Reserve ID: 954550
    Date Established: September 10, 1912
    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 #: 6521
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 01, 2008
    Last Structure Change Process Date: May 23, 2008
    Last Data Update: May 23, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3140 Market Place, Onalaska, WI 54650
    County: La Crosse
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): La Crosse, WI-MN (#3870)
    Core Based Statistical Area (CBSA): La Crosse, WI-MN (#29100)
    CBSA Metro Statistical Area: La Crosse, WI-MN (#29100)
  • Financial Summary
  • Total assets: $25.2 mil

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

2000 - 2011 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, 2007)

  • Dollar figures in thousands
  • 9Total employees (full-time equivalent)
  • $25,850Total assets
  • $712Cash and due from depository institutions
  • $4Interest-bearing balances
  • $1,651Securities
  • $630Federal funds sold & reverse repurchase agreements
  • $18,995Net loans & leases
  • $242Loan loss allowance
  • $0Trading account assets
  • $2,381Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $884Life insurance assets
  • $1,481All other assets
  • $25,850Total liabilities and capital
  • $22,598Total liabilities
  • $22,464Total deposits
  • $20,069Interest-bearing deposits
  • $22,464Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $134All other liabilities
  • $3,252Total equity capital
  • $3,252Total bank equity capital
  • $3,252Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $3,382Undivided profits
  • Memoranda
  • $-280Noncurrent loans and leases
  • $7,125Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $461Earning assets
  • $0Long-term assets (5+ years)
  • $76Average Assets, year-to-date
  • $21,280Average Assets, quarterly
  • $2,644Volatile liabilities
  • $26,476Insider loans
  • $25,965FHLB advances
  • $4,527Loans and leases held for sale
  • $153Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $399Total risk weighted assets
  • $7,125Total unused commitments
  • $0Restructured Loans and leases
  • $255Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $1,562Total interest income
  • $858Total interest expense
  • $704Net interest income
  • $7Provision for loan and lease losses
  • $216Total noninterest income
  • $0Fiduciary activities
  • $84Service charges on deposit accounts
  • $0Trading account gains & fees
  • $132Additional noninterest income
  • $1,176Total noninterest expense
  • $561Salaries and employee benefits
  • $273Premises and equipment expense
  • $342Additional noninterest expense
  • -$263Pre-tax net operating income
  • $0Securities gains (losses)
  • -$114Applicable income taxes
  • -$149Income before extraordinary items
  • $0Extraordinary gains - net
  • -$149Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.24%Yield on earning assets
  • 3.98%Cost of funding earning assets
  • 3.26%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 5.45%Noninterest expense to earning assets
  • -0.56%Net operating income to assets
  • -0.56%Return on assets (ROA)
  • -0.99%Pretax return on assets
  • -4.51%Return on equity (ROE)
  • -4.51%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 17.95%Credit loss provision to net charge-offs
  • -6.56%Efficiency ratio
  • 127,826Assets per employee
  • 2.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 52.49%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 2.40%Net loans and leases to deposits
  • 84.56%Net loans and leases to core deposits
  • 105.90%Equity capital to assets
  • 12.58%Core capital (leverage) ratio
  • 12.73%Tier 1 risk-based capital ratio
  • 14.27%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $26,476Average earning assets
  • $3,301Average equity
  • $21,566Average loans

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