I'm not sure what you mean by this. What is the "generalised whole" except an amalgam of these contributing factors? I mean, it's not necessary to believe all of these things to be racist or to have racist attitudes. Any one of them will do.

You can think black people are perfectly nice in all ways, but also believe they're all intellectually inferior. You'll still end up behaving in racist ways. Probably not overtly or violently, but you'll be unlikely to hire a black person, for example. You won't vote form them in elections or to your school board. Maybe you'd prefer that your daughter or son didn't marry one because of the kids, financial prospects.

And the root issue here, as with all the other racist beliefs, is collectivising people based on the arbitrary trait of skin colour. The other contributing factors are just expressions of this root problem.