The First National Bank - Fox Valley in Neenah, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The First National Bank - Fox Valley in Neenah, Wisconsin (WI)
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The First National Bank - Fox Valley - Overview

  • General
  • FDIC Certificate #: 5307
    Status: Active
    Federal Reserve ID: 675949
    Bank Holding Company (Regulatory Top Holder): First Menasha Bancshares, Inc. (RSSDID: 1208876, Location: Neenah, WI)
    Date Established: January 01, 1887
    WWW: http://www.fnbfoxvalley.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)
    FDIC's unique #: 3572
    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: 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: 550 South Green Bay Road, Neenah, WI 54956
    County: Winnebago
    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
    Metropolitan Statistical Area (MSA): Appleton-Oshkosh-Neenah, WI (#460)
    Combined Statistical Area (CSA): Appleton-Oshkosh-Neenah, WI (#118)
    Core Based Statistical Area (CBSA): Oshkosh-Neenah, WI (#36780)
    CBSA Metro Statistical Area: Oshkosh-Neenah, WI (#36780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $317.7 mil
    Equity capital: $34.7 mil
    Deposits held in domestic offices: $273.8 mil
    Return on assets (ROA): 0.85% ($2.7 mil)
    Quarterly return on assets: 0.92% ($2.9 mil)
    Return on Equity (ROE): 8.79% ($3.1 mil)
    Quarterly return on equity: 8.48% ($3.0 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.22% ($3,876.2 mil)
    Quarterly Pretax return on assets: 1.26% ($4,003.3 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
  • 60Total employees (full-time equivalent)
  • $317,720Total assets
  • $36,720Cash and due from depository institutions
  • $13,241Interest-bearing balances
  • $42,755Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $225,618Net loans & leases
  • $2,761Loan loss allowance
  • $0Trading account assets
  • $1,545Bank premises and fixed assets
  • $554Other real estate owned
  • $375Goodwill and other intangibles
  • $317,720Life insurance assets
  • $10,153All other assets
  • $283,007Total liabilities and capital
  • $273,823Total liabilities
  • $231,370Total deposits
  • $273,823Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,000Trading liabilities
  • $0Other borrowed funds
  • $1,184Subordinated debt
  • $34,713All other liabilities
  • $34,713Total equity capital
  • $34,713Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $16,714Surplus
  • $17,499Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,380Income earned, not collected on loans
  • $763Earning assets
  • $978Long-term assets (5+ years)
  • $281,614Average Assets, year-to-date
  • $54,818Average Assets, quarterly
  • $312,001Volatile liabilities
  • $316,170Insider loans
  • $223,380FHLB advances
  • $313,477Loans and leases held for sale
  • $5,153Unused loan commitments
  • $5,153Tier 1 (core) risk-based capital
  • $33,916Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $41,399Restructured Loans and leases
  • $7,254Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,947Total interest income
  • $3,139Total interest expense
  • $10,808Net interest income
  • $875Provision for loan and lease losses
  • $1,296Total noninterest income
  • $0Fiduciary activities
  • $317Service charges on deposit accounts
  • $0Trading account gains & fees
  • $979Additional noninterest income
  • $7,421Total noninterest expense
  • $4,045Salaries and employee benefits
  • $908Premises and equipment expense
  • $2,468Additional noninterest expense
  • $3,808Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,160Applicable income taxes
  • $2,648Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,648Net income attributable to bank
  • $0Net charge-offs
  • $2,648Cash dividends
  • $620Sale, conversion, retirement of capital stock, net
  • $511Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.06%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 8.79%Return on equity (ROE)
  • 7.09%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 141.13%Credit loss provision to net charge-offs
  • 7.55%Efficiency ratio
  • 61,310Assets per employee
  • 5.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.30%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 51.32%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 2.36%Net loans and leases to deposits
  • 82.40%Net loans and leases to core deposits
  • 159.60%Equity capital to assets
  • 10.93%Core capital (leverage) ratio
  • 10.82%Tier 1 risk-based capital ratio
  • 15.18%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $312,001Average earning assets
  • $30,142Average equity
  • $275,436Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03572The First National Bank - Fox Valley550 South Green Bay Road, Neenah, WI 54956January 01, 1887Full Service Brick and Mortar
    1207498Menasha Office320 Racine Street, Menasha, WI 54952November 09, 1992Full Service Brick and Mortar
    2358706Oshkosh Branch400 North Koeller Street, Oshkosh, WI 54902December 27, 1999Full Service Brick and Mortar
    3419947Appleton Branch3111 East Calumet Street, Appleton, WI 54915June 16, 2003Full Service Brick and Mortar

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