Associated Bank Fond Du Lac in Fond Du Lac, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 1993

Associated Bank Fond Du Lac in Fond Du Lac, Wisconsin (WI)
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Associated Bank Fond Du Lac - Overview

General
FDIC Certificate #: 23155
Status: Inactive
Closing history: Consolidated - Without Assistance
Acquiring institution: Associated Bank Menomonee Falls (#11237)
Federal Reserve ID: 844848
Date Established: July 14, 1980
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
FDIC's unique #: 16222
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: July 14, 1980
Last Structure Change Effective Date: March 31, 1993
Last Structure Change Process Date: April 13, 1993
Last Data Update: April 13, 1993
Data Source Date: April 05, 2012
Location
Address: 888 South Main Street, Fond Du Lac, WI 54935
County: Fond Du Lac
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
Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
Core Based Statistical Area (CBSA): Fond du Lac, WI (#22540)
CBSA Metro Statistical Area: Fond du Lac, WI (#22540)
Financial Summary
Total assets: $115.9 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$49Total assets
$115,882Cash and due from depository institutions
$10,652Interest-bearing balances
$1,461Securities
$29,767Federal funds sold & reverse repurchase agreements
$7,460Net loans & leases
$62,434Loan loss allowance
$1,670Trading account assets
$0Bank premises and fixed assets
$3,192Other real estate owned
$422Goodwill and other intangibles
$1,952Life insurance assets
$3All other assets
$0Total liabilities and capital
$115,882Total liabilities
$107,818Total deposits
$103,442Interest-bearing deposits
$89,585Deposits held in domestic offices
103442.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$2,304Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$2,072Total equity capital
$2,072Total bank equity capital
$8,064Perpetual preferred stock
$0Common stock
$1,010Surplus
$7,012Undivided profits
Memoranda
$42Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,865Income earned, not collected on loans
$424Earning assets
$101,122Long-term assets (5+ years)
$9,101Average Assets, year-to-date
$116,249Average Assets, quarterly
$113,659Volatile liabilities
$9,591Insider loans
$15FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$9,956Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,061Total risk weighted assets
$73,372Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$9,188Total interest expense
$4,273Net interest income
$4,915Provision for loan and lease losses
$150Total noninterest income
$727Fiduciary activities
$0Service charges on deposit accounts
$602Trading account gains & fees
$0Additional noninterest income
$125Total noninterest expense
$4,109Salaries and employee benefits
$1,375Premises and equipment expense
$589Additional noninterest expense
$2,145Pre-tax net operating income
$1,383Securities gains (losses)
$29Applicable income taxes
$107Income before extraordinary items
$1,305Extraordinary gains - net
$0Net income attributable to bank
$1,305Net charge-offs
$987Cash dividends
$1,263Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.82%Cost of funding earning assets
4.10%Net interest margin
4.72%Noninterest income to earning assets
0.70%Noninterest expense to earning assets
3.94%Net operating income to assets
1.10%Return on assets (ROA)
1.12%Pretax return on assets
1.21%Return on equity (ROE)
15.44%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
1.42%Credit loss provision to net charge-offs
15.20%Efficiency ratio
72,527Assets per employee
2.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.78%Loss allowance to loans
2.61%Loss allowance to noncurrent loans
43.21%Noncurrent assets plus other real estate owned to assets
3.70%Noncurrent loans to loans
6.03%Net loans and leases to deposits
60.36%Net loans and leases to core deposits
64.93%Equity capital to assets
6.96%Core capital (leverage) ratio
7.24%Tier 1 risk-based capital ratio
10.99%Total risk-based capital ratio
Memoranda
$12Average assets
$116,249Average earning assets
$8,452Average equity
$104,216Average loans

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