Valley First National Bank in Rhinelander, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 10, 1994

  • Valley First National Bank in Rhinelander, Wisconsin (WI)
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Valley First National Bank - Overview

  • General
  • FDIC Certificate #: 5361
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Associated Bank North (#12340)
    Federal Reserve ID: 46754
    Date Established: January 01, 1890
    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 #: 3617
    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: January 01, 1934
    Last Structure Change Effective Date: October 10, 1994
    Last Structure Change Process Date: November 17, 1994
    Last Data Update: November 17, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 8 West Davenport Street, Rhinelander, WI 54501
    County: Oneida
    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
  • History of Changes
  • Absorption - Without Assistance
  • Financial Summary
  • Total assets: $68.8 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)
  • $54Total assets
  • $127,375Cash and due from depository institutions
  • $4,040Interest-bearing balances
  • $0Securities
  • $32,658Federal funds sold & reverse repurchase agreements
  • $4,135Net loans & leases
  • $81,999Loan loss allowance
  • $970Trading account assets
  • $0Bank premises and fixed assets
  • $1,968Other real estate owned
  • $382Goodwill and other intangibles
  • $1,431Life insurance assets
  • $762All other assets
  • $0Total liabilities and capital
  • $127,375Total liabilities
  • $116,898Total deposits
  • $115,551Interest-bearing deposits
  • $100,078Deposits held in domestic offices
  • 115551.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $373Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $974Total equity capital
  • $974Total bank equity capital
  • $10,477Perpetual preferred stock
  • $0Common stock
  • $1,983Surplus
  • $4,442Undivided profits
  • Memoranda
  • $4,052Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $680Income earned, not collected on loans
  • $440Earning assets
  • $118,792Long-term assets (5+ years)
  • $9,104Average Assets, year-to-date
  • $125,150Average Assets, quarterly
  • $127,930Volatile liabilities
  • $5,591Insider loans
  • $927FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,984Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,715Total risk weighted assets
  • $75,491Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,100Total interest expense
  • $3,473Net interest income
  • $5,627Provision for loan and lease losses
  • $113Total noninterest income
  • $1,018Fiduciary activities
  • $0Service charges on deposit accounts
  • $418Trading account gains & fees
  • $0Additional noninterest income
  • $600Total noninterest expense
  • $3,807Salaries and employee benefits
  • $1,435Premises and equipment expense
  • $345Additional noninterest expense
  • $2,027Pre-tax net operating income
  • $2,725Securities gains (losses)
  • -$2Applicable income taxes
  • $694Income before extraordinary items
  • $2,029Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,029Net charge-offs
  • $21Cash dividends
  • $1,357Sale, 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
  • 7.79%Cost of funding earning assets
  • 2.97%Net interest margin
  • 4.82%Noninterest income to earning assets
  • 0.87%Noninterest expense to earning assets
  • 3.26%Net operating income to assets
  • 1.62%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 2.18%Return on equity (ROE)
  • 20.32%Retained earnings to average equity (YTD only)
  • 6.73%Net charge-offs to loans
  • 0.03%Credit loss provision to net charge-offs
  • 538.10%Efficiency ratio
  • 56,253Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.88%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 142.65%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 70.96%Net loans and leases to core deposits
  • 74.32%Equity capital to assets
  • 8.23%Core capital (leverage) ratio
  • 7.61%Tier 1 risk-based capital ratio
  • 12.87%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $125,150Average earning assets
  • $9,983Average equity
  • $116,767Average loans

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