First Bank Financial Centre in city_name, state_name - Detailed Financial Reports, Location

First Bank Financial Centre in Oconomowoc, Wisconsin (WI)
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First Bank Financial Centre - Overview

General
FDIC Certificate #: 12517
Status: Active
Federal Reserve ID: 806846
Bank Holding Company (Regulatory Top Holder): Oconomowoc Bancshares, Inc. (RSSDID: 2320618, Location: Oconomowoc, WI)
Date Established: September 01, 1859
WWW: http://www.fbfcwi.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 12 (Domestic: 12, Interstate: No)
OTS Docket #: 12624
FDIC's unique #: 7965
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 14, 2011
Last Structure Change Process Date: March 14, 2011
Last Data Update: March 14, 2011
Data Source Date: April 05, 2012
Location
Address: 155 West Wisconsin Avenue, Oconomowoc, WI 53066
County: Waukesha
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
Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
Financial Summary
Total assets: $713.7 mil
Equity capital: $65.3 mil
Deposits held in domestic offices: $565.0 mil
Return on assets (ROA): 0.75% ($5.4 mil)
Quarterly return on assets: 0.58% ($4.1 mil)
Return on Equity (ROE): 8.23% ($5.3 mil)
Quarterly return on equity: 6.22% ($4.0 mil)
Net income: $5.2 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.10% ($7,850.5 mil)
Quarterly Pretax return on assets: 0.84% ($5,994.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 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, 2011)

Dollar figures in thousands
184Total employees (full-time equivalent)
$713,681Total assets
$34,126Cash and due from depository institutions
$905Interest-bearing balances
$132,953Securities
$1,104Federal funds sold & reverse repurchase agreements
$500,504Net loans & leases
$5,189Loan loss allowance
$0Trading account assets
$11,282Bank premises and fixed assets
$14,841Other real estate owned
$5,140Goodwill and other intangibles
$713,681Life insurance assets
$13,731All other assets
$648,372Total liabilities and capital
$564,971Total liabilities
$497,513Total deposits
$564,971Interest-bearing deposits
$90Deposits held in domestic offices
58679.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$20,000Trading liabilities
$0Other borrowed funds
$4,722Subordinated debt
$65,309All other liabilities
$65,309Total equity capital
$65,309Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$21,079Surplus
$43,830Undivided profits
Memoranda
$0Noncurrent loans and leases
$605Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,452Income earned, not collected on loans
$0Earning assets
$2,146Long-term assets (5+ years)
$635,466Average Assets, year-to-date
$106,767Average Assets, quarterly
$695,431Volatile liabilities
$694,516Insider loans
$508,120FHLB advances
$674,368Loans and leases held for sale
$4,665Unused loan commitments
$851Tier 1 (core) risk-based capital
$63,222Tier 2 risk-based capital
$3,814Total risk weighted assets
$0Total unused commitments
$73,248Restructured Loans and leases
$7,392Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$31,191Total interest income
$7,274Total interest expense
$23,917Net interest income
$1,926Provision for loan and lease losses
$5,520Total noninterest income
$0Fiduciary activities
$799Service charges on deposit accounts
$0Trading account gains & fees
$4,721Additional noninterest income
$21,236Total noninterest expense
$12,304Salaries and employee benefits
$2,812Premises and equipment expense
$6,120Additional noninterest expense
$6,275Pre-tax net operating income
$1,394Securities gains (losses)
$2,488Applicable income taxes
$5,181Income before extraordinary items
$0Extraordinary gains - net
$5,181Net income attributable to bank
$0Net charge-offs
$5,181Cash dividends
$2,249Sale, conversion, retirement of capital stock, net
$1,190Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.89%Yield on earning assets
1.14%Cost of funding earning assets
3.75%Net interest margin
0.87%Noninterest income to earning assets
3.33%Noninterest expense to earning assets
0.61%Net operating income to assets
0.75%Return on assets (ROA)
1.10%Pretax return on assets
8.23%Return on equity (ROE)
6.34%Retained earnings to average equity (YTD only)
0.46%Net charge-offs to loans
85.64%Credit loss provision to net charge-offs
3.65%Efficiency ratio
72,141Assets per employee
3.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
22.97%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
211.62%Noncurrent assets plus other real estate owned to assets
2.42%Noncurrent loans to loans
0.48%Net loans and leases to deposits
88.59%Net loans and leases to core deposits
97.07%Equity capital to assets
9.15%Core capital (leverage) ratio
9.38%Tier 1 risk-based capital ratio
12.44%Total risk-based capital ratio
Memoranda
$13Average assets
$695,431Average earning assets
$62,934Average equity
$637,914Average loans

List of branches

12 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	7965	First Bank Financial Centre	155 West Wisconsin Avenue, Oconomowoc, WI 53066	September 01, 1859	Full Service Brick and Mortar
1	227295	Drive-In Branch	119-123 West Wisconsin Avenue, Oconomowoc, WI 53066	May 06, 1963	Limited Service Facility
2	227296	Brown Street Branch	W359 N5900 Brown Street, Oconomowoc, WI 53066	November 18, 1994	Full Service Brick and Mortar
3	227297	Hartland Branch	800 Cardinal Lane, Hartland, WI 53029	December 23, 1996	Full Service Brick and Mortar
5	227299	Shorehaven Branch	1306 W Wisconsin Av, Oconomowoc, WI 53066	October 07, 1996	Full Service Brick and Mortar
6	227300	Germantown Branch	N112 W17100 Mequon Road, Germantown, WI 53022	December 13, 1999	Full Service Brick and Mortar
7	357185	Hartford Branch	940 Bell Avenue, Hartford, WI 53027	December 09, 1998	Full Service Brick and Mortar
8	365854	West Bend Branch	1811 West Washington Avenue, West Bend, WI 53095	November 04, 2002	Full Service Brick and Mortar
9	437201	Summit Avenue Branch	1300 Summit Avenue, Suite 100, Oconomowoc, WI 53066	Febuary 01, 2005	Full Service Brick and Mortar
10	479127	Menomonee Falls Branch	N56 W14044 Silver Spring Drive Suite 100, Menomonee Falls, WI 53051	April 14, 2008	Full Service Brick and Mortar
12	517565	Madison Lpo	2001 West Beltline Highway, Suite 10, Madison, WI 53713	Febuary 16, 2011	Limited Service Loan Production
13	517807	Germantown Retirement Home Facility	N109w17075 Ava Circle, Germantown, WI 53022	March 01, 2011

First Bank Financial Centre in Oconomowoc, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank Financial Centre - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank Financial Centre in Oconomowoc, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank Financial Centre - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Bank Financial Centre in Oconomowoc, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches