First Bank Southeast of Lake Geneva, National Association in Lake Geneva, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 27, 1995

First Bank Southeast of Lake Geneva, National Association in Lake Geneva, Wisconsin (WI)
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First Bank Southeast of Lake Geneva, National Association - Overview

General
FDIC Certificate #: 5302
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Firstar Bank Milwaukee, National Association (#5308)
Federal Reserve ID: 390046
Date Established: Febuary 01, 1884
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 7 (Interstate: No)
FDIC's unique #: 3567
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 27, 1995
Last Structure Change Process Date: May 12, 1995
Last Data Update: May 12, 1995
Data Source Date: April 05, 2012
Location
Address: 303 Center Street, Lake Geneva, WI 53147
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: $152.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$82Total assets
$151,975Cash and due from depository institutions
$12,675Interest-bearing balances
$1,231Securities
$59,992Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$72,536Loan loss allowance
$788Trading account assets
$0Bank premises and fixed assets
$3,567Other real estate owned
$147Goodwill and other intangibles
$3,058Life insurance assets
$0All other assets
$0Total liabilities and capital
$151,975Total liabilities
$140,600Total deposits
$135,688Interest-bearing deposits
$110,729Deposits held in domestic offices
135688.00%% insured (estimated)
$94Federal funds purchased & repurchase agreements
$3,700Trading liabilities
$0Other borrowed funds
$300Subordinated debt
$0All other liabilities
$912Total equity capital
$912Total bank equity capital
$11,375Perpetual preferred stock
$0Common stock
$830Surplus
$6,953Undivided profits
Memoranda
$3,592Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,717Income earned, not collected on loans
$420Earning assets
$133,759Long-term assets (5+ years)
$39,691Average Assets, year-to-date
$159,199Average Assets, quarterly
$154,244Volatile liabilities
$7,529Insider loans
$31FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,338Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$11,739Total risk weighted assets
$75,924Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$9,975Total interest expense
$4,107Net interest income
$5,868Provision for loan and lease losses
$0Total noninterest income
$647Fiduciary activities
$0Service charges on deposit accounts
$481Trading account gains & fees
$0Additional noninterest income
$166Total noninterest expense
$5,372Salaries and employee benefits
$2,736Premises and equipment expense
$870Additional noninterest expense
$1,766Pre-tax net operating income
$1,143Securities gains (losses)
-$1,390Applicable income taxes
-$369Income before extraordinary items
$122Extraordinary gains - net
$0Net income attributable to bank
$122Net charge-offs
$882Cash dividends
$415Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.08%Cost of funding earning assets
2.92%Net interest margin
4.17%Noninterest income to earning assets
0.46%Noninterest expense to earning assets
3.81%Net operating income to assets
0.64%Return on assets (ROA)
0.08%Pretax return on assets
-0.16%Return on equity (ROE)
1.02%Retained earnings to average equity (YTD only)
-2.44%Net charge-offs to loans
1.12%Credit loss provision to net charge-offs
0.00%Efficiency ratio
82,456Assets per employee
1.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
340.16%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
45.89%Noncurrent assets plus other real estate owned to assets
1.23%Noncurrent loans to loans
2.34%Net loans and leases to deposits
53.46%Net loans and leases to core deposits
54.89%Equity capital to assets
7.48%Core capital (leverage) ratio
7.88%Tier 1 risk-based capital ratio
15.46%Total risk-based capital ratio
Memoranda
$16Average assets
$159,199Average earning assets
$12,005Average equity
$140,850Average loans

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