F & M Bank East Troy in East Troy, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 03, 2000

F & M Bank East Troy in East Troy, Wisconsin (WI)
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F & M Bank East Troy - Overview

General
FDIC Certificate #: 12807
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: F & M Bank-Wisconsin (#5305)
Federal Reserve ID: 63041
Date Established: November 18, 1892
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 1 (Interstate: No)
OTS Docket #: 12105
FDIC's unique #: 8111
Numeric code: 13
Regulator: FED
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: January 03, 2000
Last Structure Change Process Date: March 29, 2000
Last Data Update: March 29, 2000
Data Source Date: April 05, 2012
Location
Address: 101 West Main Street, East Troy, WI 53120
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: $59.3 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, 1999)

Dollar figures in thousands
23Total employees (full-time equivalent)
$59,340Total assets
$2,434Cash and due from depository institutions
$9Interest-bearing balances
$8,738Securities
$0Federal funds sold & reverse repurchase agreements
$46,898Net loans & leases
$644Loan loss allowance
$0Trading account assets
$573Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$697All other assets
$59,340Total liabilities and capital
$54,659Total liabilities
$52,233Total deposits
$45,140Interest-bearing deposits
$52,233Deposits held in domestic offices
0.00%% insured (estimated)
$388Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,500Other borrowed funds
$0Subordinated debt
$538All other liabilities
$4,681Total equity capital
$4,681Total bank equity capital
$4,681Perpetual preferred stock
$0Common stock
$380Surplus
$3,870Undivided profits
Memoranda
$431Noncurrent loans and leases
$9,553Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$17Earning assets
$0Long-term assets (5+ years)
$222Average Assets, year-to-date
$55,645Average Assets, quarterly
$6,866Volatile liabilities
$57,536Insider loans
$58,081FHLB advances
$6,407Loans and leases held for sale
$162Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$9,553Total unused commitments
$0Restructured Loans and leases
$524Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$4,589Total interest income
$1,912Total interest expense
$2,677Net interest income
$126Provision for loan and lease losses
$333Total noninterest income
$0Fiduciary activities
$176Service charges on deposit accounts
$0Trading account gains & fees
$157Additional noninterest income
$1,728Total noninterest expense
$910Salaries and employee benefits
$273Premises and equipment expense
$545Additional noninterest expense
$1,156Pre-tax net operating income
-$10Securities gains (losses)
$382Applicable income taxes
$764Income before extraordinary items
$0Extraordinary gains - net
$764Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$88Sale, conversion, retirement of capital stock, net
$400Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.39%Yield on earning assets
3.50%Cost of funding earning assets
4.89%Net interest margin
0.61%Noninterest income to earning assets
3.16%Noninterest expense to earning assets
1.34%Net operating income to assets
1.33%Return on assets (ROA)
1.99%Pretax return on assets
16.52%Return on equity (ROE)
7.87%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
143.18%Credit loss provision to net charge-offs
14.57%Efficiency ratio
57,409Assets per employee
2.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.36%Loss allowance to loans
1.35%Loss allowance to noncurrent loans
3788.24%Noncurrent assets plus other real estate owned to assets
0.03%Noncurrent loans to loans
0.04%Net loans and leases to deposits
89.79%Net loans and leases to core deposits
98.29%Equity capital to assets
7.89%Core capital (leverage) ratio
8.36%Tier 1 risk-based capital ratio
11.54%Total risk-based capital ratio
Memoranda
$13Average assets
$57,536Average earning assets
$4,626Average equity
$54,693Average loans

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