FDIC Certificate #: 33994 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Federal Capital Bank (#28981) Federal Reserve ID: 2287793 Date Established: March 17, 1995 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 13862 FDIC's unique #: 55572 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: March 17, 1995 Last Structure Change Effective Date: November 01, 2001 Last Structure Change Process Date: November 21, 2001 Last Data Update: November 21, 2001 Data Source Date: April 05, 2012
Location
Address: 400 Scott Street, Wausau, WI 54402 County: Marathon Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Appleton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Wausau, WI (#8940) Combined Statistical Area (CSA): Wausau-Merrill, WI (#554) Core Based Statistical Area (CBSA): Wausau, WI (#48140) CBSA Metro Statistical Area: Wausau, WI (#48140)
Financial Summary
Total assets: $156.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
26Total employees (full-time equivalent)
$138,910Total assets
$3,146Cash and due from depository institutions
$431Interest-bearing balances
$27,328Securities
$1,149Federal funds sold & reverse repurchase agreements
$104,499Net loans & leases
$1,222Loan loss allowance
$0Trading account assets
$1,061Bank premises and fixed assets
$0Other real estate owned
$493Goodwill and other intangibles
$0Life insurance assets
$1,234All other assets
$138,910Total liabilities and capital
$127,506Total liabilities
$112,590Total deposits
$103,826Interest-bearing deposits
$112,590Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$13,500Other borrowed funds
$0Subordinated debt
$1,416All other liabilities
$11,404Total equity capital
$11,404Total bank equity capital
$11,404Perpetual preferred stock
$0Common stock
$250Surplus
$6,800Undivided profits
Memoranda
$4,354Noncurrent loans and leases
$13,058Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$22Earning assets
$4Long-term assets (5+ years)
$674Average Assets, year-to-date
$133,407Average Assets, quarterly
$8,219Volatile liabilities
$129,842Insider loans
$137,799FHLB advances
$24,896Loans and leases held for sale
$1,425Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$488Total risk weighted assets
$13,058Total unused commitments
$0Restructured Loans and leases
$1,222Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$10,072Total interest income
$6,181Total interest expense
$3,891Net interest income
$158Provision for loan and lease losses
$520Total noninterest income
$0Fiduciary activities
$76Service charges on deposit accounts
$0Trading account gains & fees
$444Additional noninterest income
$2,011Total noninterest expense
$1,090Salaries and employee benefits
$386Premises and equipment expense
$535Additional noninterest expense
$2,242Pre-tax net operating income
$0Securities gains (losses)
$727Applicable income taxes
$1,515Income before extraordinary items
$0Extraordinary gains - net
$1,515Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$4Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.08%Yield on earning assets
4.96%Cost of funding earning assets
3.12%Net interest margin
0.42%Noninterest income to earning assets
1.61%Noninterest expense to earning assets
1.17%Net operating income to assets
1.17%Return on assets (ROA)
1.73%Pretax return on assets
14.34%Return on equity (ROE)
14.34%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-3950.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
45,591Assets per employee
5.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.16%Loss allowance to noncurrent loans
5554.55%Noncurrent assets plus other real estate owned to assets
0.02%Noncurrent loans to loans
0.02%Net loans and leases to deposits
92.81%Net loans and leases to core deposits
113.72%Equity capital to assets
8.21%Core capital (leverage) ratio
8.33%Tier 1 risk-based capital ratio
10.80%Total risk-based capital ratio
Memoranda
$12Average assets
$129,842Average earning assets
$10,565Average equity
$124,620Average loans
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