Rock Savings Bank, Savings Association in Beloit, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 07, 1995

  • Rock Savings Bank, Savings Association in Beloit, Wisconsin (WI)
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Rock Savings Bank, Savings Association - Overview

  • General
  • FDIC Certificate #: 31814
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: First Federal Capital Bank (#28981)
    Federal Reserve ID: 124577
    Date Established: January 01, 1916
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 7497
    FDIC's unique #: 44648
    Numeric code: 36
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: July 15, 1976
    Last Structure Change Effective Date: December 07, 1995
    Last Structure Change Process Date: January 03, 1996
    Last Data Update: January 31, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 531 East Grand Ave, Beloit, WI 53511
    County: Rock
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Janesville-Beloit, WI (#3620)
    Core Based Statistical Area (CBSA): Janesville, WI (#27500)
    CBSA Metro Statistical Area: Janesville, WI (#27500)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $131.9 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)
  • $36Total assets
  • $125,087Cash and due from depository institutions
  • $1,427Interest-bearing balances
  • $467Securities
  • $20,608Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $99,595Loan loss allowance
  • $543Trading account assets
  • $0Bank premises and fixed assets
  • $1,007Other real estate owned
  • $19Goodwill and other intangibles
  • $2,273Life insurance assets
  • $158All other assets
  • $0Total liabilities and capital
  • $125,087Total liabilities
  • $113,060Total deposits
  • $92,890Interest-bearing deposits
  • $92,618Deposits held in domestic offices
  • 92890.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $19,250Subordinated debt
  • $0All other liabilities
  • $920Total equity capital
  • $920Total bank equity capital
  • $12,027Perpetual preferred stock
  • $0Common stock
  • $7Surplus
  • $3,480Undivided profits
  • Memoranda
  • $8,540Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $326Income earned, not collected on loans
  • $554Earning assets
  • $120,670Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $117,265Average Assets, quarterly
  • $122,823Volatile liabilities
  • $23,945Insider loans
  • $113FHLB advances
  • $19,250Loans and leases held for sale
  • $0Unused loan commitments
  • $2,850Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,480Total risk weighted assets
  • $64,673Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,312Total interest expense
  • $4,882Net interest income
  • $3,430Provision for loan and lease losses
  • $27Total noninterest income
  • $484Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $484Total noninterest expense
  • $2,326Salaries and employee benefits
  • $1,065Premises and equipment expense
  • $452Additional noninterest expense
  • $809Pre-tax net operating income
  • $1,561Securities gains (losses)
  • $0Applicable income taxes
  • $561Income before extraordinary items
  • $1,000Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,000Net charge-offs
  • $13Cash dividends
  • $1,143Sale, 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
  • 7.41%Cost of funding earning assets
  • 4.35%Net interest margin
  • 3.06%Noninterest income to earning assets
  • 0.43%Noninterest expense to earning assets
  • 2.07%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 0.85%Pretax return on assets
  • 1.33%Return on equity (ROE)
  • 8.00%Retained earnings to average equity (YTD only)
  • -1.14%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 207.69%Efficiency ratio
  • 58,304Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 114.30%Loss allowance to loans
  • 0.54%Loss allowance to noncurrent loans
  • 166.56%Noncurrent assets plus other real estate owned to assets
  • 0.28%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 107.22%Net loans and leases to core deposits
  • 112.93%Equity capital to assets
  • 9.61%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 17.75%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $117,265Average earning assets
  • $12,493Average equity
  • $112,226Average loans

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