Bank One, Rensselaer, National Association in Rensselaer, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 22, 1997

  • Bank One, Rensselaer, National Association in Rensselaer, Indiana (IN)
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Bank One, Rensselaer, National Association - Overview

  • General
  • FDIC Certificate #: 14830
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Indiana, National Association (#4345)
    Federal Reserve ID: 58047
    Date Established: October 06, 1919
    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 #: 9281
    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: October 20, 1934
    Last Structure Change Effective Date: March 22, 1997
    Last Structure Change Process Date: March 27, 1997
    Last Data Update: March 27, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 200 West Washington Street, Rensselaer, IN 47978
    County: Jasper
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Gary, IN (#23844)
  • Financial Summary
  • Total assets: $128.0 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)
  • $45Total assets
  • $128,015Cash and due from depository institutions
  • $3,814Interest-bearing balances
  • $0Securities
  • $8,698Federal funds sold & reverse repurchase agreements
  • $6,044Net loans & leases
  • $105,408Loan loss allowance
  • $1,254Trading account assets
  • $0Bank premises and fixed assets
  • $856Other real estate owned
  • $0Goodwill and other intangibles
  • $3,195Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $128,015Total liabilities
  • $116,308Total deposits
  • $114,209Interest-bearing deposits
  • $101,147Deposits held in domestic offices
  • 114209.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $531Trading liabilities
  • $0Other borrowed funds
  • $297Subordinated debt
  • $0All other liabilities
  • $1,271Total equity capital
  • $1,271Total bank equity capital
  • $11,707Perpetual preferred stock
  • $0Common stock
  • $1,443Surplus
  • $1,681Undivided profits
  • Memoranda
  • $8,583Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,215Income earned, not collected on loans
  • $2,285Earning assets
  • $120,150Long-term assets (5+ years)
  • $15,649Average Assets, year-to-date
  • $130,130Average Assets, quarterly
  • $129,878Volatile liabilities
  • $4,234Insider loans
  • $699FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $17,083Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,644Total risk weighted assets
  • $104,539Total unused commitments
  • $0Restructured Loans and leases
  • $10,121Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,522Total interest expense
  • $4,705Net interest income
  • $6,817Provision for loan and lease losses
  • $559Total noninterest income
  • $897Fiduciary activities
  • $4Service charges on deposit accounts
  • $508Trading account gains & fees
  • $0Additional noninterest income
  • $385Total noninterest expense
  • $4,441Salaries and employee benefits
  • $1,508Premises and equipment expense
  • $299Additional noninterest expense
  • $2,634Pre-tax net operating income
  • $2,714Securities gains (losses)
  • $0Applicable income taxes
  • $1,085Income before extraordinary items
  • $1,629Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,629Net charge-offs
  • $609Cash dividends
  • $2,076Sale, 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
  • 9.42%Cost of funding earning assets
  • 3.85%Net interest margin
  • 5.57%Noninterest income to earning assets
  • 0.73%Noninterest expense to earning assets
  • 3.63%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 2.09%Return on equity (ROE)
  • 13.98%Retained earnings to average equity (YTD only)
  • -3.84%Net charge-offs to loans
  • 0.55%Credit loss provision to net charge-offs
  • 91.79%Efficiency ratio
  • 57,571Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 127.44%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 103.21%Noncurrent assets plus other real estate owned to assets
  • 0.95%Noncurrent loans to loans
  • 1.14%Net loans and leases to deposits
  • 92.29%Net loans and leases to core deposits
  • 95.20%Equity capital to assets
  • 9.15%Core capital (leverage) ratio
  • 8.80%Tier 1 risk-based capital ratio
  • 11.14%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $130,130Average earning assets
  • $11,655Average equity
  • $122,359Average loans

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