Firstar Bank Rice Lake, National Association in Rice Lake, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 15, 1996

Firstar Bank Rice Lake, National Association in Rice Lake, Wisconsin (WI)
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Firstar Bank Rice Lake, National Association - Overview

General
FDIC Certificate #: 5363
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Firstar Bank Wisconsin (#6205)
Federal Reserve ID: 56959
Date Established: October 28, 1889
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Interstate: No)
FDIC's unique #: 3618
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: April 15, 1996
Last Structure Change Process Date: May 08, 1996
Last Data Update: May 08, 1996
Data Source Date: April 05, 2012
Location
Address: 138 North Main Street, Rice Lake, WI 54868
County: Barron
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Eau Claire
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $163.6 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)
$59Total assets
$162,253Cash and due from depository institutions
$6,460Interest-bearing balances
$0Securities
$50,534Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$101,886Loan loss allowance
$1,461Trading account assets
$0Bank premises and fixed assets
$1,238Other real estate owned
$0Goodwill and other intangibles
$2,135Life insurance assets
$0All other assets
$0Total liabilities and capital
$162,253Total liabilities
$149,341Total deposits
$146,972Interest-bearing deposits
$131,467Deposits held in domestic offices
146972.00%% insured (estimated)
$87Federal funds purchased & repurchase agreements
$1,065Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,304Total equity capital
$1,304Total bank equity capital
$12,912Perpetual preferred stock
$0Common stock
$1,320Surplus
$3,030Undivided profits
Memoranda
$8,562Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,371Income earned, not collected on loans
$800Earning assets
$152,420Long-term assets (5+ years)
$22,236Average Assets, year-to-date
$160,093Average Assets, quarterly
$162,421Volatile liabilities
$7,971Insider loans
$6,835FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$18,913Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$12,823Total risk weighted assets
$97,405Total unused commitments
$0Restructured Loans and leases
$20,000Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$11,451Total interest expense
$5,705Net interest income
$5,746Provision for loan and lease losses
$101Total noninterest income
$994Fiduciary activities
$0Service charges on deposit accounts
$394Trading account gains & fees
$1Additional noninterest income
$599Total noninterest expense
$4,132Salaries and employee benefits
$1,619Premises and equipment expense
$451Additional noninterest expense
$2,062Pre-tax net operating income
$2,507Securities gains (losses)
$0Applicable income taxes
$455Income before extraordinary items
$2,052Extraordinary gains - net
$0Net income attributable to bank
$2,052Net charge-offs
$115Cash dividends
$1,600Sale, 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
7.57%Cost of funding earning assets
3.77%Net interest margin
3.80%Noninterest income to earning assets
0.66%Noninterest expense to earning assets
2.73%Net operating income to assets
1.28%Return on assets (ROA)
1.28%Pretax return on assets
1.57%Return on equity (ROE)
16.00%Retained earnings to average equity (YTD only)
3.53%Net charge-offs to loans
0.11%Credit loss provision to net charge-offs
87.83%Efficiency ratio
61,306Assets per employee
2.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
77.97%Loss allowance to loans
1.41%Loss allowance to noncurrent loans
106.56%Noncurrent assets plus other real estate owned to assets
0.84%Noncurrent loans to loans
1.33%Net loans and leases to deposits
69.32%Net loans and leases to core deposits
72.74%Equity capital to assets
7.96%Core capital (leverage) ratio
8.04%Tier 1 risk-based capital ratio
13.16%Total risk-based capital ratio
Memoranda
$14Average assets
$160,093Average earning assets
$12,822Average equity
$151,209Average loans

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