FDIC Certificate #: 14468 Status: Active Federal Reserve ID: 57040 Date Established: June 15, 1934 WWW:http://www.fnbdarlington.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9039 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: June 15, 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: 245 Main Street, Darlington, WI 53530 County: Lafayette 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $93.1 mil Equity capital: $11.9 mil Deposits held in domestic offices: $79.2 mil Return on assets (ROA): 0.99% ($0.9 mil) Quarterly return on assets: 0.90% ($0.8 mil) Return on Equity (ROE): 7.91% ($0.9 mil) Quarterly return on equity: 6.91% ($0.8 mil) Net income: $0.9 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.37% ($1,274.8 mil) Quarterly Pretax return on assets: 1.24% ($1,153.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$93,054Total assets
$4,782Cash and due from depository institutions
$2,571Interest-bearing balances
$37,830Securities
$1,650Federal funds sold & reverse repurchase agreements
$46,869Net loans & leases
$769Loan loss allowance
$0Trading account assets
$541Bank premises and fixed assets
$217Other real estate owned
$0Goodwill and other intangibles
$93,054Life insurance assets
$1,165All other assets
$81,187Total liabilities and capital
$79,164Total liabilities
$71,076Total deposits
$79,164Interest-bearing deposits
$97Deposits held in domestic offices
1545.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$478Subordinated debt
$11,867All other liabilities
$11,867Total equity capital
$11,867Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$200Surplus
$11,567Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$889Income earned, not collected on loans
$155Earning assets
$832Long-term assets (5+ years)
$88,920Average Assets, year-to-date
$21,178Average Assets, quarterly
$90,011Volatile liabilities
$90,635Insider loans
$58,203FHLB advances
$90,931Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,245Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,383Restructured Loans and leases
$55Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,030Total interest income
$965Total interest expense
$3,065Net interest income
$100Provision for loan and lease losses
$432Total noninterest income
$0Fiduciary activities
$335Service charges on deposit accounts
$0Trading account gains & fees
$97Additional noninterest income
$2,164Total noninterest expense
$1,274Salaries and employee benefits
$146Premises and equipment expense
$744Additional noninterest expense
$1,233Pre-tax net operating income
$0Securities gains (losses)
$339Applicable income taxes
$894Income before extraordinary items
$0Extraordinary gains - net
$894Net income attributable to bank
$0Net charge-offs
$894Cash dividends
$51Sale, conversion, retirement of capital stock, net
$145Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.71%Yield on earning assets
1.13%Cost of funding earning assets
3.58%Net interest margin
0.51%Noninterest income to earning assets
2.53%Noninterest expense to earning assets
0.99%Net operating income to assets
0.99%Return on assets (ROA)
1.37%Pretax return on assets
7.91%Return on equity (ROE)
6.63%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
196.08%Credit loss provision to net charge-offs
26.14%Efficiency ratio
61,882Assets per employee
5.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.22%Loss allowance to loans
1.61%Loss allowance to noncurrent loans
86.50%Noncurrent assets plus other real estate owned to assets
1.19%Noncurrent loans to loans
1.87%Net loans and leases to deposits
59.20%Net loans and leases to core deposits
60.35%Equity capital to assets
12.75%Core capital (leverage) ratio
12.37%Tier 1 risk-based capital ratio
19.32%Total risk-based capital ratio
Memoranda
$21Average assets
$90,011Average earning assets
$11,303Average equity
$85,531Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9039
First National Bank At Darlington
245 Main Street, Darlington, WI 53530
June 15, 1934
Full Service Brick and Mortar
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