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

First National Bank and Trust in Barron, Wisconsin (WI)
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First National Bank and Trust routing number info

First National Bank and Trust - Overview

General
FDIC Certificate #: 5338
Status: Active
Federal Reserve ID: 147053
Bank Holding Company (Regulatory Top Holder): First Financial Holdings, Inc. (RSSDID: 1123317, Location: Golden Valley, MN)
Date Established: January 01, 1916
WWW: http://www.fnbbarron.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: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 12670
FDIC's unique #: 3602
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 02, 2010
Last Structure Change Process Date: June 02, 2010
Last Data Update: June 02, 2010
Data Source Date: April 05, 2012
Location
Address: 436 East La Salle Avenue, Barron, WI 54812
County: Barron
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Kansas City
FDIC Field Office: Eau Claire
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Change in Location
Financial Summary
Total assets: $46.8 mil
Equity capital: $4.0 mil
Deposits held in domestic offices: $41.4 mil
Return on assets (ROA): 0.02% ($0.0 mil)
Quarterly return on assets: -0.30% (-$0.1 mil)
Return on Equity (ROE): 0.20% ($0.0 mil)
Quarterly return on equity: -3.45% (-$0.1 mil)
Net income: $0.0 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.03% ($14.0 mil)
Quarterly Pretax return on assets: -0.30% (-$140.5 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
17Total employees (full-time equivalent)
$46,820Total assets
$4,628Cash and due from depository institutions
$1,205Interest-bearing balances
$10,314Securities
$0Federal funds sold & reverse repurchase agreements
$27,527Net loans & leases
$496Loan loss allowance
$0Trading account assets
$2,337Bank premises and fixed assets
$311Other real estate owned
$0Goodwill and other intangibles
$46,820Life insurance assets
$1,703All other assets
$42,812Total liabilities and capital
$41,353Total liabilities
$33,358Total deposits
$41,353Interest-bearing deposits
$95Deposits held in domestic offices
300.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$159Subordinated debt
$4,008All other liabilities
$4,008Total equity capital
$4,008Total bank equity capital
$0Perpetual preferred stock
$700Common stock
$1,700Surplus
$1,608Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$566Income earned, not collected on loans
$10Earning assets
$189Long-term assets (5+ years)
$39,046Average Assets, year-to-date
$9,778Average Assets, quarterly
$45,032Volatile liabilities
$46,344Insider loans
$30,067FHLB advances
$45,951Loans and leases held for sale
$983Unused loan commitments
$983Tier 1 (core) risk-based capital
$3,866Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,921Restructured Loans and leases
$5Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,959Total interest income
$469Total interest expense
$1,490Net interest income
$79Provision for loan and lease losses
$300Total noninterest income
$0Fiduciary activities
$88Service charges on deposit accounts
$0Trading account gains & fees
$212Additional noninterest income
$1,699Total noninterest expense
$836Salaries and employee benefits
$287Premises and equipment expense
$576Additional noninterest expense
$12Pre-tax net operating income
$0Securities gains (losses)
$4Applicable income taxes
$8Income before extraordinary items
$0Extraordinary gains - net
$8Net income attributable to bank
$0Net charge-offs
$8Cash dividends
$135Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.09%Yield on earning assets
1.22%Cost of funding earning assets
3.87%Net interest margin
0.78%Noninterest income to earning assets
4.42%Noninterest expense to earning assets
0.02%Net operating income to assets
0.02%Return on assets (ROA)
0.03%Pretax return on assets
0.20%Return on equity (ROE)
0.20%Retained earnings to average equity (YTD only)
0.51%Net charge-offs to loans
58.52%Credit loss provision to net charge-offs
0.67%Efficiency ratio
94,916Assets per employee
2.75%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.77%Loss allowance to noncurrent loans
87.63%Noncurrent assets plus other real estate owned to assets
1.87%Noncurrent loans to loans
2.02%Net loans and leases to deposits
66.57%Net loans and leases to core deposits
70.82%Equity capital to assets
8.56%Core capital (leverage) ratio
8.41%Tier 1 risk-based capital ratio
12.86%Total risk-based capital ratio
Memoranda
$14Average assets
$45,032Average earning assets
$3,974Average equity
$38,470Average loans

List of branches

2 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3602	First National Bank And Trust	436 East La Salle Avenue, Barron, WI 54812	January 01, 1916	Full Service Brick and Mortar
1	492783	Branch	2961 Decker Drive, Rice Lake, WI 54868	April 01, 2004	Full Service Brick and Mortar

First National Bank and Trust in Barron, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust - 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 National Bank and Trust in Barron, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank and Trust - 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 National Bank and Trust in Barron, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches