Firstar Bank Cedar Falls in Cedar Falls, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 11, 1995

Firstar Bank Cedar Falls in Cedar Falls, Iowa (IA)
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Firstar Bank Cedar Falls - Overview

General
FDIC Certificate #: 12412
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Firstar Bank Iowa, National Association (#10895)
Federal Reserve ID: 197049
Date Established: April 26, 1888
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 7897
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 11, 1995
Last Structure Change Process Date: December 27, 1995
Last Data Update: December 27, 1995
Data Source Date: April 05, 2012
Location
Address: 222 Washington Street, Cedar Falls, IA 50613
County: Black Hawk
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Cedar Rapids
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Waterloo-Cedar Falls, IA (#8920)
Core Based Statistical Area (CBSA): Waterloo-Cedar Falls, IA (#47940)
CBSA Metro Statistical Area: Waterloo-Cedar Falls, IA (#47940)
Financial Summary
Total assets: $110.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$46Total assets
$106,464Cash and due from depository institutions
$4,841Interest-bearing balances
$0Securities
$28,231Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$70,765Loan loss allowance
$1,099Trading account assets
$0Bank premises and fixed assets
$819Other real estate owned
$0Goodwill and other intangibles
$1,808Life insurance assets
$0All other assets
$0Total liabilities and capital
$106,464Total liabilities
$98,551Total deposits
$85,895Interest-bearing deposits
$70,989Deposits held in domestic offices
85895.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$11,622Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,034Total equity capital
$1,034Total bank equity capital
$7,913Perpetual preferred stock
$0Common stock
$750Surplus
$4,250Undivided profits
Memoranda
$2,913Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$75Income earned, not collected on loans
$735Earning assets
$98,996Long-term assets (5+ years)
$13,301Average Assets, year-to-date
$102,095Average Assets, quarterly
$104,505Volatile liabilities
$18,710Insider loans
$4,421FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$13,115Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$7,913Total risk weighted assets
$73,780Total unused commitments
$0Restructured Loans and leases
$1,265Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$7,104Total interest expense
$2,698Net interest income
$4,406Provision for loan and lease losses
$29Total noninterest income
$871Fiduciary activities
$0Service charges on deposit accounts
$385Trading account gains & fees
$0Additional noninterest income
$486Total noninterest expense
$3,508Salaries and employee benefits
$1,466Premises and equipment expense
$290Additional noninterest expense
$1,752Pre-tax net operating income
$1,740Securities gains (losses)
$0Applicable income taxes
$472Income before extraordinary items
$1,268Extraordinary gains - net
$0Net income attributable to bank
$1,268Net charge-offs
$29Cash dividends
$400Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.46%Cost of funding earning assets
2.84%Net interest margin
4.63%Noninterest income to earning assets
0.92%Noninterest expense to earning assets
3.69%Net operating income to assets
1.24%Return on assets (ROA)
1.24%Pretax return on assets
1.70%Return on equity (ROE)
16.91%Retained earnings to average equity (YTD only)
11.58%Net charge-offs to loans
0.04%Credit loss provision to net charge-offs
100.00%Efficiency ratio
66,477Assets per employee
2.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
31.55%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
1465.33%Noncurrent assets plus other real estate owned to assets
0.07%Noncurrent loans to loans
0.10%Net loans and leases to deposits
82.39%Net loans and leases to core deposits
89.80%Equity capital to assets
7.43%Core capital (leverage) ratio
7.97%Tier 1 risk-based capital ratio
10.73%Total risk-based capital ratio
Memoranda
$12Average assets
$102,095Average earning assets
$7,499Average equity
$95,167Average loans

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