Firstar Bank Elkhorn in Elkhorn, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 15, 1993

Firstar Bank Elkhorn in Elkhorn, Wisconsin (WI)
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Firstar Bank Elkhorn - Overview

General
FDIC Certificate #: 12326
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Firstar Bank Lake Geneva, National Association (#18092)
Federal Reserve ID: 67245
Date Established: July 07, 1896
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 7838
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 02, 1934
Last Structure Change Effective Date: Febuary 15, 1993
Last Structure Change Process Date: Febuary 26, 1993
Last Data Update: Febuary 26, 1993
Data Source Date: April 05, 2012
Location
Address: East Walworth And South Washington Streets, 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: $64.1 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$29Total assets
$64,108Cash and due from depository institutions
$2,256Interest-bearing balances
$0Securities
$17,662Federal funds sold & reverse repurchase agreements
$7,940Net loans & leases
$32,544Loan loss allowance
$630Trading account assets
$0Bank premises and fixed assets
$1,552Other real estate owned
$0Goodwill and other intangibles
$2,154Life insurance assets
$0All other assets
$0Total liabilities and capital
$64,108Total liabilities
$59,450Total deposits
$56,859Interest-bearing deposits
$48,442Deposits held in domestic offices
56859.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$1,053Trading liabilities
$0Other borrowed funds
$270Subordinated debt
$0All other liabilities
$1,268Total equity capital
$1,268Total bank equity capital
$4,658Perpetual preferred stock
$0Common stock
$600Surplus
$2,770Undivided profits
Memoranda
$1,288Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$431Income earned, not collected on loans
$206Earning assets
$58,146Long-term assets (5+ years)
$3,477Average Assets, year-to-date
$57,335Average Assets, quarterly
$59,822Volatile liabilities
$2,325Insider loans
$0FHLB advances
$0Loans and leases held for sale
$440Unused loan commitments
$3,566Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,658Total risk weighted assets
$37,147Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$4,561Total interest expense
$1,930Net interest income
$2,631Provision for loan and lease losses
$100Total noninterest income
$473Fiduciary activities
$0Service charges on deposit accounts
$212Trading account gains & fees
$0Additional noninterest income
$261Total noninterest expense
$2,392Salaries and employee benefits
$1,157Premises and equipment expense
$235Additional noninterest expense
$1,000Pre-tax net operating income
$612Securities gains (losses)
$0Applicable income taxes
$124Income before extraordinary items
$488Extraordinary gains - net
$0Net income attributable to bank
$488Net charge-offs
$63Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.76%Cost of funding earning assets
3.71%Net interest margin
5.06%Noninterest income to earning assets
0.91%Noninterest expense to earning assets
4.60%Net operating income to assets
0.85%Return on assets (ROA)
0.85%Pretax return on assets
1.07%Return on equity (ROE)
10.97%Retained earnings to average equity (YTD only)
10.97%Net charge-offs to loans
0.18%Credit loss provision to net charge-offs
158.73%Efficiency ratio
77,062Assets per employee
2.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.90%Loss allowance to noncurrent loans
146.17%Noncurrent assets plus other real estate owned to assets
0.67%Noncurrent loans to loans
1.30%Net loans and leases to deposits
57.24%Net loans and leases to core deposits
58.26%Equity capital to assets
7.27%Core capital (leverage) ratio
7.82%Tier 1 risk-based capital ratio
12.54%Total risk-based capital ratio
Memoranda
$14Average assets
$57,335Average earning assets
$4,449Average equity
$52,047Average loans

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