Valley Bank, South Central (National Association) in Watertown, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 1994

Valley Bank, South Central (National Association) in Watertown, Wisconsin (WI)
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Valley Bank, South Central (National Association) - Overview

General
FDIC Certificate #: 14071
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: M&I Bank South Central (#11222)
Federal Reserve ID: 134549
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 3 (Interstate: No)
FDIC's unique #: 8796
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: March 16, 1934
Last Structure Change Effective Date: September 01, 1994
Last Structure Change Process Date: September 09, 1994
Last Data Update: September 09, 1994
Data Source Date: April 05, 2012
Location
Address: 104 West Main Street, Watertown, WI 53094
County: Jefferson
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Milwaukee
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Watertown-Fort Atkinson, WI (#48020)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $156.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$102Total assets
$156,105Cash and due from depository institutions
$5,269Interest-bearing balances
$0Securities
$34,996Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$110,530Loan loss allowance
$1,540Trading account assets
$0Bank premises and fixed assets
$3,250Other real estate owned
$24Goodwill and other intangibles
$2,036Life insurance assets
$0All other assets
$0Total liabilities and capital
$156,105Total liabilities
$144,293Total deposits
$138,715Interest-bearing deposits
$116,726Deposits held in domestic offices
138715.00%% insured (estimated)
$87Federal funds purchased & repurchase agreements
$4,262Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,316Total equity capital
$1,316Total bank equity capital
$11,812Perpetual preferred stock
$0Common stock
$1,125Surplus
$4,725Undivided profits
Memoranda
$5,962Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$705Income earned, not collected on loans
$618Earning assets
$145,526Long-term assets (5+ years)
$12,563Average Assets, year-to-date
$154,177Average Assets, quarterly
$154,858Volatile liabilities
$16,378Insider loans
$1,852FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$27,379Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$11,812Total risk weighted assets
$115,844Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$11,731Total interest expense
$4,402Net interest income
$7,329Provision for loan and lease losses
$263Total noninterest income
$4,179Fiduciary activities
$0Service charges on deposit accounts
$871Trading account gains & fees
$0Additional noninterest income
$3,308Total noninterest expense
$7,693Salaries and employee benefits
$3,509Premises and equipment expense
$793Additional noninterest expense
$3,391Pre-tax net operating income
$3,552Securities gains (losses)
-$6Applicable income taxes
$1,246Income before extraordinary items
$2,300Extraordinary gains - net
$0Net income attributable to bank
$2,300Net charge-offs
$115Cash dividends
$2,193Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.17%Cost of funding earning assets
3.07%Net interest margin
5.11%Noninterest income to earning assets
2.91%Noninterest expense to earning assets
5.36%Net operating income to assets
1.49%Return on assets (ROA)
1.49%Pretax return on assets
2.30%Return on equity (ROE)
19.82%Retained earnings to average equity (YTD only)
0.92%Net charge-offs to loans
0.10%Credit loss provision to net charge-offs
228.70%Efficiency ratio
66,849Assets per employee
1.53%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.35%Loss allowance to loans
1.37%Loss allowance to noncurrent loans
218.44%Noncurrent assets plus other real estate owned to assets
0.47%Noncurrent loans to loans
0.63%Net loans and leases to deposits
79.68%Net loans and leases to core deposits
87.31%Equity capital to assets
7.57%Core capital (leverage) ratio
7.68%Tier 1 risk-based capital ratio
10.20%Total risk-based capital ratio
Memoranda
$11Average assets
$154,177Average earning assets
$11,606Average equity
$143,557Average loans

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