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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