Bank One, Monroe in Monroe, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 07, 1996

Bank One, Monroe in Monroe, Wisconsin (WI)
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Bank One, Monroe - Overview

General
FDIC Certificate #: 12320
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, Wisconsin (#2487)
Federal Reserve ID: 775746
Date Established: January 01, 1903
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 7834
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: 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: 1717 10th Street, Monroe, WI 53566
County: Green
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Madison
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Monroe, WI (#33820)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $119.7 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)
$37Total assets
$129,984Cash and due from depository institutions
$17,821Interest-bearing balances
$13,227Securities
$17,032Federal funds sold & reverse repurchase agreements
$9,482Net loans & leases
$82,672Loan loss allowance
$935Trading account assets
$0Bank premises and fixed assets
$1,117Other real estate owned
$259Goodwill and other intangibles
$1,601Life insurance assets
$0All other assets
$0Total liabilities and capital
$129,984Total liabilities
$119,384Total deposits
$112,719Interest-bearing deposits
$90,276Deposits held in domestic offices
112719.00%% insured (estimated)
$86Federal funds purchased & repurchase agreements
$4,090Trading liabilities
$0Other borrowed funds
$25Subordinated debt
$0All other liabilities
$2,550Total equity capital
$2,550Total bank equity capital
$10,600Perpetual preferred stock
$0Common stock
$750Surplus
$6,750Undivided profits
Memoranda
$3,100Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,070Income earned, not collected on loans
$498Earning assets
$122,413Long-term assets (5+ years)
$2,861Average Assets, year-to-date
$124,284Average Assets, quarterly
$126,972Volatile liabilities
$6,912Insider loans
$2,957FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$19,566Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,462Total risk weighted assets
$97,695Total unused commitments
$0Restructured Loans and leases
$32,701Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$9,174Total interest expense
$4,628Net interest income
$4,546Provision for loan and lease losses
$126Total noninterest income
$686Fiduciary activities
$0Service charges on deposit accounts
$334Trading account gains & fees
$0Additional noninterest income
$352Total noninterest expense
$3,707Salaries and employee benefits
$1,201Premises and equipment expense
$296Additional noninterest expense
$2,210Pre-tax net operating income
$1,399Securities gains (losses)
$5Applicable income taxes
$445Income before extraordinary items
$959Extraordinary gains - net
$0Net income attributable to bank
$959Net charge-offs
$104Cash dividends
$696Sale, 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
7.89%Cost of funding earning assets
3.98%Net interest margin
3.91%Noninterest income to earning assets
0.59%Noninterest expense to earning assets
3.19%Net operating income to assets
0.77%Return on assets (ROA)
0.77%Pretax return on assets
1.13%Return on equity (ROE)
9.24%Retained earnings to average equity (YTD only)
2.53%Net charge-offs to loans
0.12%Credit loss provision to net charge-offs
121.15%Efficiency ratio
70,852Assets per employee
3.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
72.58%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
87.38%Noncurrent assets plus other real estate owned to assets
1.02%Noncurrent loans to loans
1.28%Net loans and leases to deposits
73.34%Net loans and leases to core deposits
75.23%Equity capital to assets
8.15%Core capital (leverage) ratio
8.49%Tier 1 risk-based capital ratio
10.71%Total risk-based capital ratio
Memoranda
$12Average assets
$124,284Average earning assets
$10,378Average equity
$116,256Average loans

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