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

This bank is inactive as of January 03, 2000

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

General
FDIC Certificate #: 6199
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: F & M Bank-Wisconsin (#5305)
Federal Reserve ID: 564342
Date Established: December 23, 1873
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Interstate: No)
OTS Docket #: 11163
FDIC's unique #: 4180
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: 106 South Main Street, Jefferson, WI 53549
County: Jefferson
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): Watertown-Fort Atkinson, WI (#48020)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $96.8 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
29Total employees (full-time equivalent)
$96,761Total assets
$3,365Cash and due from depository institutions
$30Interest-bearing balances
$29,693Securities
$526Federal funds sold & reverse repurchase agreements
$59,466Net loans & leases
$958Loan loss allowance
$0Trading account assets
$2,211Bank premises and fixed assets
$0Other real estate owned
$2Goodwill and other intangibles
$0Life insurance assets
$1,498All other assets
$96,761Total liabilities and capital
$89,126Total liabilities
$80,931Total deposits
$72,450Interest-bearing deposits
$80,931Deposits held in domestic offices
0.00%% insured (estimated)
$527Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,749Other borrowed funds
$0Subordinated debt
$919All other liabilities
$7,635Total equity capital
$7,635Total bank equity capital
$7,635Perpetual preferred stock
$0Common stock
$3,780Surplus
$4,000Undivided profits
Memoranda
$-145Noncurrent loans and leases
$7,251Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$223Earning assets
$0Long-term assets (5+ years)
$472Average Assets, year-to-date
$89,715Average Assets, quarterly
$17,884Volatile liabilities
$97,578Insider loans
$96,926FHLB advances
$9,560Loans and leases held for sale
$3,101Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,251Total unused commitments
$0Restructured Loans and leases
$815Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$6,935Total interest income
$3,243Total interest expense
$3,692Net interest income
$0Provision for loan and lease losses
$391Total noninterest income
$0Fiduciary activities
$218Service charges on deposit accounts
$0Trading account gains & fees
$173Additional noninterest income
$2,392Total noninterest expense
$1,174Salaries and employee benefits
$482Premises and equipment expense
$736Additional noninterest expense
$1,691Pre-tax net operating income
-$26Securities gains (losses)
$349Applicable income taxes
$1,316Income before extraordinary items
$0Extraordinary gains - net
$1,316Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$136Sale, conversion, retirement of capital stock, net
$2,000Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.67%Yield on earning assets
3.59%Cost of funding earning assets
4.08%Net interest margin
0.43%Noninterest income to earning assets
2.64%Noninterest expense to earning assets
1.37%Net operating income to assets
1.35%Return on assets (ROA)
1.71%Pretax return on assets
16.00%Return on equity (ROE)
-8.31%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
12.43%Efficiency ratio
58,584Assets per employee
3.34%Cash dividends to net income (YTD only)
Condition Ratios (%)
151.98%Loss allowance to loans
1.59%Loss allowance to noncurrent loans
429.60%Noncurrent assets plus other real estate owned to assets
0.23%Noncurrent loans to loans
0.37%Net loans and leases to deposits
73.48%Net loans and leases to core deposits
77.58%Equity capital to assets
7.89%Core capital (leverage) ratio
8.22%Tier 1 risk-based capital ratio
12.21%Total risk-based capital ratio
Memoranda
$13Average assets
$97,578Average earning assets
$8,226Average equity
$90,455Average loans

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