Bank One, Elkhorn, National Association in Elkhorn, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 07, 1996

  • Bank One, Elkhorn, National Association in Elkhorn, Wisconsin (WI)
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Bank One, Elkhorn, National Association - Overview

  • General
  • FDIC Certificate #: 5292
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Wisconsin (#2487)
    Federal Reserve ID: 129442
    Date Established: March 09, 1865
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 3558
    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: December 07, 1996
    Last Structure Change Process Date: January 16, 1997
    Last Data Update: January 16, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: First National Bank Plaza, Elkhorn, WI 53121
    County: Walworth
    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): Whitewater, WI (#48580)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $185.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $60Total assets
  • $175,766Cash and due from depository institutions
  • $20,397Interest-bearing balances
  • $14,742Securities
  • $31,019Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $120,480Loan loss allowance
  • $1,374Trading account assets
  • $0Bank premises and fixed assets
  • $1,791Other real estate owned
  • $0Goodwill and other intangibles
  • $2,079Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $175,766Total liabilities
  • $160,675Total deposits
  • $138,958Interest-bearing deposits
  • $116,602Deposits held in domestic offices
  • 138958.00%% insured (estimated)
  • $90Federal funds purchased & repurchase agreements
  • $20,398Trading liabilities
  • $0Other borrowed funds
  • $100Subordinated debt
  • $0All other liabilities
  • $1,219Total equity capital
  • $1,219Total bank equity capital
  • $15,091Perpetual preferred stock
  • $0Common stock
  • $1,504Surplus
  • $2,206Undivided profits
  • Memoranda
  • $11,381Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $317Income earned, not collected on loans
  • $735Earning assets
  • $166,241Long-term assets (5+ years)
  • $4,256Average Assets, year-to-date
  • $164,868Average Assets, quarterly
  • $175,647Volatile liabilities
  • $25,729Insider loans
  • $1,562FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $27,983Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,948Total risk weighted assets
  • $131,984Total unused commitments
  • $0Restructured Loans and leases
  • $69,764Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $13,746Total interest expense
  • $6,234Net interest income
  • $7,512Provision for loan and lease losses
  • $77Total noninterest income
  • $840Fiduciary activities
  • $0Service charges on deposit accounts
  • $419Trading account gains & fees
  • $0Additional noninterest income
  • $421Total noninterest expense
  • $4,376Salaries and employee benefits
  • $1,921Premises and equipment expense
  • $346Additional noninterest expense
  • $2,109Pre-tax net operating income
  • $3,899Securities gains (losses)
  • $8Applicable income taxes
  • $1,336Income before extraordinary items
  • $2,571Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,571Net charge-offs
  • -$27Cash dividends
  • $1,579Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.85%Cost of funding earning assets
  • 4.01%Net interest margin
  • 4.84%Noninterest income to earning assets
  • 0.54%Noninterest expense to earning assets
  • 2.82%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 2.37%Return on equity (ROE)
  • 17.83%Retained earnings to average equity (YTD only)
  • 6.88%Net charge-offs to loans
  • -0.02%Credit loss provision to net charge-offs
  • -285.19%Efficiency ratio
  • 52,395Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 61.42%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 433.44%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 86.70%Net loans and leases to core deposits
  • 90.16%Equity capital to assets
  • 8.59%Core capital (leverage) ratio
  • 8.45%Tier 1 risk-based capital ratio
  • 11.33%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $164,868Average earning assets
  • $14,422Average equity
  • $155,271Average loans

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