Bank One, Champaign-Urbana in Champaign, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 15, 1997

  • Bank One, Champaign-Urbana in Champaign, Illinois (IL)
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Bank One, Champaign-Urbana - Overview

  • General
  • FDIC Certificate #: 11325
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Illinois, National Association (#935)
    Federal Reserve ID: 393337
    Date Established: Febuary 01, 1899
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 8 (Interstate: No)
    FDIC's unique #: 7233
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 15, 1997
    Last Structure Change Process Date: Febuary 25, 1997
    Last Data Update: Febuary 26, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 West University Avenue, Champaign, IL 61820
    County: Champaign
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Champaign-Urbana, IL (#1400)
    Core Based Statistical Area (CBSA): Champaign-Urbana, IL (#16580)
    CBSA Metro Statistical Area: Champaign-Urbana, IL (#16580)
  • Financial Summary
  • Total assets: $272.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $129Total assets
  • $272,332Cash and due from depository institutions
  • $13,615Interest-bearing balances
  • $0Securities
  • $41,796Federal funds sold & reverse repurchase agreements
  • $21,270Net loans & leases
  • $187,480Loan loss allowance
  • $2,593Trading account assets
  • $0Bank premises and fixed assets
  • $2,588Other real estate owned
  • $341Goodwill and other intangibles
  • $5,242Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $272,332Total liabilities
  • $237,661Total deposits
  • $231,506Interest-bearing deposits
  • $183,919Deposits held in domestic offices
  • 231506.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $2,387Trading liabilities
  • $0Other borrowed funds
  • $96Subordinated debt
  • $0All other liabilities
  • $3,672Total equity capital
  • $3,672Total bank equity capital
  • $34,671Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $13,500Undivided profits
  • Memoranda
  • $19,171Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,728Income earned, not collected on loans
  • $1,671Earning assets
  • $250,546Long-term assets (5+ years)
  • $17,742Average Assets, year-to-date
  • $275,174Average Assets, quarterly
  • $267,601Volatile liabilities
  • $11,684Insider loans
  • $5,039FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $36,254Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $34,814Total risk weighted assets
  • $204,971Total unused commitments
  • $0Restructured Loans and leases
  • $39,974Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $20,696Total interest expense
  • $7,722Net interest income
  • $12,974Provision for loan and lease losses
  • $1,235Total noninterest income
  • $3,200Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,827Trading account gains & fees
  • $0Additional noninterest income
  • $1,373Total noninterest expense
  • $8,933Salaries and employee benefits
  • $3,166Premises and equipment expense
  • $975Additional noninterest expense
  • $4,792Pre-tax net operating income
  • $6,006Securities gains (losses)
  • $27Applicable income taxes
  • $2,210Income before extraordinary items
  • $3,823Extraordinary gains - net
  • $0Net income attributable to bank
  • $3,823Net charge-offs
  • $1,394Cash dividends
  • $4,500Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.13%Cost of funding earning assets
  • 3.03%Net interest margin
  • 5.10%Noninterest income to earning assets
  • 1.26%Noninterest expense to earning assets
  • 3.51%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.39%Pretax return on assets
  • 2.19%Return on equity (ROE)
  • 11.01%Retained earnings to average equity (YTD only)
  • -1.95%Net charge-offs to loans
  • 0.73%Credit loss provision to net charge-offs
  • 88.59%Efficiency ratio
  • 55,231Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 117.71%Loss allowance to loans
  • 1.36%Loss allowance to noncurrent loans
  • 150.06%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.91%Net loans and leases to deposits
  • 80.98%Net loans and leases to core deposits
  • 84.37%Equity capital to assets
  • 12.73%Core capital (leverage) ratio
  • 13.14%Tier 1 risk-based capital ratio
  • 16.98%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $275,174Average earning assets
  • $34,715Average equity
  • $254,603Average loans

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