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

First National Bank in Waupaca, Wisconsin (WI), TX
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First National Bank - Overview

General
FDIC Certificate #: 15149
Status: Active
Federal Reserve ID: 466642
Bank Holding Company (Regulatory Top Holder): Waupaca Bancorporation, Inc. (RSSDID: 1204104, Location: Waupaca, WI)
Date Established: January 01, 1893
WWW: http://www.fnbwaupaca.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 11 (Domestic: 11, Interstate: Yes)
OTS Docket #: 14031
FDIC's unique #: 9519
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: May 16, 1935
Last Structure Change Effective Date: January 12, 2008
Last Structure Change Process Date: January 22, 2008
Last Data Update: January 22, 2008
Data Source Date: April 05, 2012
Location
Address: 111 Jefferson Street, Waupaca, WI 54981
County: Waupaca
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Appleton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $750.4 mil
Equity capital: $77.5 mil
Deposits held in domestic offices: $668.6 mil
Return on assets (ROA): 1.73% ($13.0 mil)
Quarterly return on assets: 1.66% ($12.4 mil)
Return on Equity (ROE): 17.15% ($13.2 mil)
Quarterly return on equity: 16.25% ($12.5 mil)
Net income: $13.0 mil
Quarterly Net income: $3.1 mil
Pretax return on assets: 1.72% ($12,907.6 mil)
Quarterly Pretax return on assets: 1.64% ($12,307.3 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
126Total employees (full-time equivalent)
$750,443Total assets
$17,986Cash and due from depository institutions
$5,193Interest-bearing balances
$33,709Securities
$0Federal funds sold & reverse repurchase agreements
$666,322Net loans & leases
$6,514Loan loss allowance
$0Trading account assets
$9,735Bank premises and fixed assets
$2,653Other real estate owned
$7,040Goodwill and other intangibles
$750,443Life insurance assets
$12,998All other assets
$672,946Total liabilities and capital
$668,571Total liabilities
$574,366Total deposits
$668,571Interest-bearing deposits
$92Deposits held in domestic offices
1500.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,875Subordinated debt
$77,497All other liabilities
$77,497Total equity capital
$77,497Total bank equity capital
$0Perpetual preferred stock
$3,404Common stock
$36,190Surplus
$37,903Undivided profits
Memoranda
$0Noncurrent loans and leases
$851Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,041Income earned, not collected on loans
$0Earning assets
$3,628Long-term assets (5+ years)
$705,224Average Assets, year-to-date
$120,592Average Assets, quarterly
$754,724Volatile liabilities
$757,068Insider loans
$615,054FHLB advances
$751,599Loans and leases held for sale
$2,435Unused loan commitments
$2,435Tier 1 (core) risk-based capital
$70,011Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$38,883Restructured Loans and leases
$10,977Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$41,277Total interest income
$8,144Total interest expense
$33,133Net interest income
$4,824Provision for loan and lease losses
$391Total noninterest income
$7Fiduciary activities
$931Service charges on deposit accounts
$0Trading account gains & fees
-$547Additional noninterest income
$15,999Total noninterest expense
$8,653Salaries and employee benefits
$1,824Premises and equipment expense
$5,522Additional noninterest expense
$12,701Pre-tax net operating income
$305Securities gains (losses)
-$36Applicable income taxes
$13,042Income before extraordinary items
$0Extraordinary gains - net
$13,042Net income attributable to bank
$0Net charge-offs
$13,042Cash dividends
$4,713Sale, conversion, retirement of capital stock, net
$11,438Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.83%Yield on earning assets
1.15%Cost of funding earning assets
4.68%Net interest margin
0.06%Noninterest income to earning assets
2.26%Noninterest expense to earning assets
1.69%Net operating income to assets
1.73%Return on assets (ROA)
1.72%Pretax return on assets
17.15%Return on equity (ROE)
2.11%Retained earnings to average equity (YTD only)
0.71%Net charge-offs to loans
102.36%Credit loss provision to net charge-offs
3.72%Efficiency ratio
47,539Assets per employee
5.96%Cash dividends to net income (YTD only)
Condition Ratios (%)
87.70%Loss allowance to loans
0.97%Loss allowance to noncurrent loans
107.83%Noncurrent assets plus other real estate owned to assets
1.16%Noncurrent loans to loans
0.90%Net loans and leases to deposits
99.66%Net loans and leases to core deposits
120.81%Equity capital to assets
10.33%Core capital (leverage) ratio
9.31%Tier 1 risk-based capital ratio
11.38%Total risk-based capital ratio
Memoranda
$12Average assets
$754,724Average earning assets
$76,035Average equity
$707,418Average 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
$1,551Managed Assets
1Number of Accounts
$1,551Personal trust and agency accounts
$1,551Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
3Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

3 Texas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
5	17069	National Bank Of Commerce/Branch	1224 North Hobart, Pampa, TX 79065	July 01, 1983	Full Service Brick and Mortar
6	8046	301 North Main Street Branch	305 North Main Street, Shamrock, TX 79079	Febuary 01, 1909	Full Service Brick and Mortar
7	42088	Childress Branch	501 Commerce, Childress, TX 79201	December 15, 1934	Full Service Brick and Mortar

8 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9519	First National Bank	111 Jefferson Street, Waupaca, WI 54981	January 01, 1893	Full Service Brick and Mortar
1	8795	North Main Street Branch	148 North Main Street, Iola, WI 54945	March 15, 1934	Full Service Brick and Mortar
2	274326	621 Second Street Branch	621 Second Street, Chetek, WI 54728	December 01, 1934	Full Service Brick and Mortar
3	233301	Weyauwega Branch	101 East Main Street, Weyauwega, WI 54983	June 01, 1998	Full Service Brick and Mortar
8	8250	Clintonville Branch	135 South Main Street, Clintonville, WI 54929	March 09, 1920	Full Service Brick and Mortar
9	228813	East Perry Avenue Branch	223 East Perry Avenue, Marion, WI 54950	August 21, 1995	Full Service Brick and Mortar
10	274845	Seymour Branch	689 Woodland Plaza, Seymour, WI 54165	March 16, 1992	Full Service Brick and Mortar
11	358261	Shiocton Branch	N5579 State Road 76, Shiocton, WI 54170	September 01, 1999	Full Service Brick and Mortar

First National Bank in Waupaca, Wisconsin (WI), TX
Overview, Financial Summary, Detailed Financial Reports, Branches

First National 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 National Bank in Waupaca, Wisconsin (WI), TXOverview, Financial Summary, Detailed Financial Reports, Branches

First National 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 National Bank in Waupaca, Wisconsin (WI), TX
Overview, Financial Summary, Detailed Financial Reports, Branches