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

The First National Bank of Berlin in Berlin, Wisconsin (WI)
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The First National Bank of Berlin routing number info

The First National Bank of Berlin - Overview

General
FDIC Certificate #: 5286
Status: Active
Federal Reserve ID: 111942
Bank Holding Company (Regulatory Top Holder): First Berlin Bancorp, Inc. (RSSDID: 1889538, Location: Berlin, WI)
Date Established: January 01, 1876
WWW: http://www.firstnationalbanks.biz
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: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 13100
FDIC's unique #: 3554
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: 140 West Huron Street, Berlin, WI 54923
County: Green Lake
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: $283.2 mil
Equity capital: $25.6 mil
Deposits held in domestic offices: $249.9 mil
Return on assets (ROA): 0.50% ($1.4 mil)
Quarterly return on assets: 0.30% ($0.8 mil)
Return on Equity (ROE): 5.41% ($1.4 mil)
Quarterly return on equity: 3.16% ($0.8 mil)
Net income: $1.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.74% ($2,096.0 mil)
Quarterly Pretax return on assets: 0.37% ($1,048.0 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
80Total employees (full-time equivalent)
$283,245Total assets
$34,629Cash and due from depository institutions
$28,240Interest-bearing balances
$38,335Securities
$0Federal funds sold & reverse repurchase agreements
$186,410Net loans & leases
$2,927Loan loss allowance
$0Trading account assets
$5,198Bank premises and fixed assets
$6,965Other real estate owned
$1,101Goodwill and other intangibles
$283,245Life insurance assets
$10,607All other assets
$257,686Total liabilities and capital
$249,871Total liabilities
$217,625Total deposits
$249,871Interest-bearing deposits
$75Deposits held in domestic offices
5189.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$1,626Subordinated debt
$25,559All other liabilities
$25,559Total equity capital
$25,559Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$300Surplus
$25,009Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,826Income earned, not collected on loans
$0Earning assets
$908Long-term assets (5+ years)
$252,985Average Assets, year-to-date
$41,240Average Assets, quarterly
$268,200Volatile liabilities
$273,626Insider loans
$200,086FHLB advances
$276,527Loans and leases held for sale
$6,925Unused loan commitments
$6,297Tier 1 (core) risk-based capital
$24,938Tier 2 risk-based capital
$0Total risk weighted assets
$628Total unused commitments
$31,344Restructured Loans and leases
$5,133Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,019Total interest income
$1,468Total interest expense
$10,551Net interest income
$1,215Provision for loan and lease losses
$2,569Total noninterest income
$0Fiduciary activities
$1,009Service charges on deposit accounts
$0Trading account gains & fees
$1,560Additional noninterest income
$10,125Total noninterest expense
$5,390Salaries and employee benefits
$1,169Premises and equipment expense
$3,566Additional noninterest expense
$1,780Pre-tax net operating income
$205Securities gains (losses)
$640Applicable income taxes
$1,345Income before extraordinary items
$0Extraordinary gains - net
$1,345Net income attributable to bank
$0Net charge-offs
$1,345Cash dividends
$1,227Sale, conversion, retirement of capital stock, net
$330Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
0.61%Cost of funding earning assets
4.38%Net interest margin
1.07%Noninterest income to earning assets
4.21%Noninterest expense to earning assets
0.45%Net operating income to assets
0.50%Return on assets (ROA)
0.74%Pretax return on assets
5.41%Return on equity (ROE)
4.08%Retained earnings to average equity (YTD only)
0.68%Net charge-offs to loans
99.02%Credit loss provision to net charge-offs
2.44%Efficiency ratio
77,172Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.54%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
103.57%Noncurrent assets plus other real estate owned to assets
3.46%Noncurrent loans to loans
1.49%Net loans and leases to deposits
74.60%Net loans and leases to core deposits
80.37%Equity capital to assets
9.02%Core capital (leverage) ratio
9.02%Tier 1 risk-based capital ratio
12.46%Total risk-based capital ratio
Memoranda
$14Average assets
$268,200Average earning assets
$24,870Average equity
$240,706Average loans

List of branches

8 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3554	The First National Bank Of Berlin	140 West Huron Street, Berlin, WI 54923	January 01, 1876	Full Service Brick and Mortar
1	207426	Poy Sippi Branch	N4259 State Road 49, Poy Sippi, WI 54967	October 12, 1998	Full Service Brick and Mortar
2	207427	Green Lake Branch	West 1208 State Roads, 23/49, P.O.b., Green Lake, WI 54941	March 01, 1999	Full Service Brick and Mortar
4	360187	Montello Branch	408 Main Street, Montello, WI 53949	April 30, 2000	Full Service Brick and Mortar
5	364771	Westfield Branch	356 S. Pioneer Park Rd, Westfield, WI 53964	April 01, 2002	Full Service Brick and Mortar
6	366197	Omro Branch	120 Alder Avenue, Omro, WI 54963	October 14, 2002	Full Service Brick and Mortar
8	428668	Winneconne Financial Center Branch	908 East Main Street, Winneconne, WI 54986	May 17, 2004	Full Service Brick and Mortar
9	465394	Waunakee Financial Center Branch	1330 Montondon Avenue, Waunakee, WI 53597	October 01, 2006	Full Service Brick and Mortar

The First National Bank of Berlin in Berlin, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Berlin - 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:

The First National Bank of Berlin in Berlin, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

The First National Bank of Berlin - 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:

The First National Bank of Berlin in Berlin, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches