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

First Business Bank in Madison, Wisconsin (WI)
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First Business Bank - Overview

General
FDIC Certificate #: 15229
Status: Active
Federal Reserve ID: 537449
Bank Holding Company (Regulatory Top Holder): First Business Financial Services, Inc. (RSSDID: 1247428, Location: Madison, WI)
Date Established: May 01, 1909
WWW: http://www.firstbusiness.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 10824
FDIC's unique #: 9583
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 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 401 Charmany Drive, Madison, WI 53719
County: Dane
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Madison
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Madison, WI (#4720)
Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
Core Based Statistical Area (CBSA): Madison, WI (#31540)
CBSA Metro Statistical Area: Madison, WI (#31540)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $1,000.2 mil
Equity capital: $100.9 mil
Deposits held in domestic offices: $890.8 mil
Return on assets (ROA): 0.92% ($9.2 mil)
Quarterly return on assets: 1.19% ($11.9 mil)
Return on Equity (ROE): 9.33% ($9.4 mil)
Quarterly return on equity: 11.85% ($12.0 mil)
Net income: $8.9 mil
Quarterly Net income: $2.9 mil
Pretax return on assets: 1.52% ($15,203.5 mil)
Quarterly Pretax return on assets: 1.86% ($18,604.2 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
65Total employees (full-time equivalent)
$1,000,227Total assets
$73,624Cash and due from depository institutions
$59,136Interest-bearing balances
$150,774Securities
$217Federal funds sold & reverse repurchase agreements
$743,837Net loans & leases
$12,457Loan loss allowance
$0Trading account assets
$453Bank premises and fixed assets
$534Other real estate owned
$0Goodwill and other intangibles
$1,000,227Life insurance assets
$30,788All other assets
$899,350Total liabilities and capital
$890,775Total liabilities
$770,705Total deposits
$890,775Interest-bearing deposits
$80Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$482Trading liabilities
$0Other borrowed funds
$8,093Subordinated debt
$100,877All other liabilities
$100,877Total equity capital
$100,877Total bank equity capital
$0Perpetual preferred stock
$700Common stock
$38,525Surplus
$61,652Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$18,351Income earned, not collected on loans
$0Earning assets
$3,143Long-term assets (5+ years)
$953,964Average Assets, year-to-date
$113,972Average Assets, quarterly
$971,663Volatile liabilities
$987,194Insider loans
$813,224FHLB advances
$988,897Loans and leases held for sale
$14,770Unused loan commitments
$14,770Tier 1 (core) risk-based capital
$98,666Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$186,591Restructured Loans and leases
$13,360Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$49,610Total interest income
$15,299Total interest expense
$34,311Net interest income
$3,566Provision for loan and lease losses
$6,981Total noninterest income
$2,281Fiduciary activities
$1,535Service charges on deposit accounts
$0Trading account gains & fees
$3,165Additional noninterest income
$22,932Total noninterest expense
$8,286Salaries and employee benefits
$896Premises and equipment expense
$13,750Additional noninterest expense
$14,794Pre-tax net operating income
$0Securities gains (losses)
$5,882Applicable income taxes
$8,912Income before extraordinary items
$0Extraordinary gains - net
$8,912Net income attributable to bank
$0Net charge-offs
$8,912Cash dividends
$4,981Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.34%Yield on earning assets
1.65%Cost of funding earning assets
3.70%Net interest margin
0.75%Noninterest income to earning assets
2.47%Noninterest expense to earning assets
0.92%Net operating income to assets
0.92%Return on assets (ROA)
1.52%Pretax return on assets
9.33%Return on equity (ROE)
9.33%Retained earnings to average equity (YTD only)
0.65%Net charge-offs to loans
71.59%Credit loss provision to net charge-offs
3.69%Efficiency ratio
55,507Assets per employee
15.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.65%Loss allowance to noncurrent loans
67.88%Noncurrent assets plus other real estate owned to assets
1.89%Noncurrent loans to loans
2.43%Net loans and leases to deposits
83.50%Net loans and leases to core deposits
169.28%Equity capital to assets
10.09%Core capital (leverage) ratio
9.98%Tier 1 risk-based capital ratio
12.13%Total risk-based capital ratio
Memoranda
$13Average assets
$971,663Average earning assets
$95,560Average equity
$928,394Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$534,083Managed Assets
1Number of Accounts
$485,036Personal trust and agency accounts
$125,307Employee benefit-defined contribution accounts
$77,497Employee benefit-defined benefit accounts
$3,298Other retirement accounts
$48,181Corporate trust and agency accounts
$0Investment management agency accounts
$225,335Other fiduciary accounts
$5,414Fiduciary accounts held in foreign offices
$4Non-managed Assets
484Number of Accounts
$0Personal trust and agency accounts
$48,181Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$49,047Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$47,730Fiduciary accounts held in foreign offices

List of branches

3 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9583	First Business Bank	401 Charmany Drive, Madison, WI 53719	May 01, 1909	Full Service Brick and Mortar
3	469779	Appleton Lpo	3913 West Prospect Avenue, Appleton, WI 54911	December 07, 2007	Limited Service Loan Production
5	518525	Green Bay Wi Lpo	300 North Broadway, Green Bay, WI 54303	April 01, 2011	Limited Service Loan Production

First Business Bank in Madison, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Business Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Business Bank in Madison, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

First Business Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

First Business Bank in Madison, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches