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

First National Community Bank in New Richmond, Wisconsin (WI)
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First National Community Bank routing number info

First National Community Bank - Overview

General
FDIC Certificate #: 5357
Status: Active
Federal Reserve ID: 23755
Bank Holding Company (Regulatory Top Holder): One Corporation (RSSDID: 1124118, Location: New Richmond, WI)
Date Established: January 01, 1919
WWW: http://www.fn-cb.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: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 13440
FDIC's unique #: 3615
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: January 01, 1934
Last Structure Change Effective Date: March 15, 2007
Last Structure Change Process Date: October 10, 2008
Last Data Update: October 10, 2008
Data Source Date: April 05, 2012
Location
Address: 109 E 2nd St, New Richmond, WI 54017
County: St. Croix
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Eau Claire
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
History of Changes
Change in Location
Name Change
Financial Summary
Total assets: $161.2 mil
Equity capital: $15.3 mil
Deposits held in domestic offices: $142.9 mil
Return on assets (ROA): 0.69% ($1.1 mil)
Quarterly return on assets: 0.97% ($1.6 mil)
Return on Equity (ROE): 7.29% ($1.1 mil)
Quarterly return on equity: 10.22% ($1.5 mil)
Net income: $1.1 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.69% ($1,112.1 mil)
Quarterly Pretax return on assets: 0.97% ($1,563.4 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
52Total employees (full-time equivalent)
$161,180Total assets
$12,937Cash and due from depository institutions
$6,980Interest-bearing balances
$32,718Securities
$0Federal funds sold & reverse repurchase agreements
$102,468Net loans & leases
$1,334Loan loss allowance
$0Trading account assets
$5,637Bank premises and fixed assets
$3,887Other real estate owned
$1,235Goodwill and other intangibles
$161,180Life insurance assets
$2,298All other assets
$145,885Total liabilities and capital
$142,914Total liabilities
$118,078Total deposits
$142,914Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$971Subordinated debt
$15,295All other liabilities
$15,295Total equity capital
$15,295Total bank equity capital
$0Perpetual preferred stock
$110Common stock
$4,465Surplus
$10,720Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$998Income earned, not collected on loans
$0Earning assets
$403Long-term assets (5+ years)
$142,166Average Assets, year-to-date
$70,250Average Assets, quarterly
$156,552Volatile liabilities
$160,629Insider loans
$112,654FHLB advances
$162,748Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$14,206Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$15,191Restructured Loans and leases
$2,146Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$7,028Total interest income
$1,354Total interest expense
$5,674Net interest income
$318Provision for loan and lease losses
$1,960Total noninterest income
$0Fiduciary activities
$473Service charges on deposit accounts
$0Trading account gains & fees
$1,487Additional noninterest income
$6,269Total noninterest expense
$2,966Salaries and employee benefits
$591Premises and equipment expense
$2,712Additional noninterest expense
$1,047Pre-tax net operating income
$28Securities gains (losses)
$0Applicable income taxes
$1,075Income before extraordinary items
$0Extraordinary gains - net
$1,075Net income attributable to bank
$0Net charge-offs
$1,075Cash dividends
$317Sale, conversion, retirement of capital stock, net
$437Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.07%Yield on earning assets
0.98%Cost of funding earning assets
4.09%Net interest margin
1.41%Noninterest income to earning assets
4.52%Noninterest expense to earning assets
0.67%Net operating income to assets
0.69%Return on assets (ROA)
0.69%Pretax return on assets
7.29%Return on equity (ROE)
4.33%Retained earnings to average equity (YTD only)
0.31%Net charge-offs to loans
100.32%Credit loss provision to net charge-offs
4.31%Efficiency ratio
82,119Assets per employee
3.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.65%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
133.67%Noncurrent assets plus other real estate owned to assets
3.03%Noncurrent loans to loans
0.96%Net loans and leases to deposits
71.70%Net loans and leases to core deposits
74.73%Equity capital to assets
9.49%Core capital (leverage) ratio
8.73%Tier 1 risk-based capital ratio
12.61%Total risk-based capital ratio
Memoranda
$14Average assets
$156,552Average earning assets
$14,748Average equity
$138,667Average loans

List of branches

4 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3615	First National Community Bank	109 E 2nd St, New Richmond, WI 54017	January 01, 1919	Full Service Brick and Mortar
1	207624	Somerset Financial Center Branch	531 Main Street, Somerset, WI 54025	June 12, 1995	Full Service Brick and Mortar
2	207625	Hudson Financial Center Branch	744 Ryan Drive, Hudson, WI 54016	June 07, 1999	Full Service Brick and Mortar
3	441714	New Richmond Messenger Service Branc	460 West 8th Street, New Richmond, WI 54017	June 01, 2005	Limited Service Messenger

First National Community Bank in New Richmond, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Community Bank - 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 Community Bank in New Richmond, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Community Bank - 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 Community Bank in New Richmond, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches