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


  • The First National Bank of Hartford in Hartford, Wisconsin (WI)
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The First National Bank of Hartford - Overview

  • General
  • FDIC Certificate #: 5297
    Status: Active
    Federal Reserve ID: 742944
    Bank Holding Company (Regulatory Top Holder): Fnb Hartford Bancorp., Inc. (RSSDID: 1209275, Location: Hartford, WI)
    Date Established: January 01, 1907
    WWW: http://www.fnb-hartford.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 #: 11669
    FDIC's unique #: 3562
    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: 116 West Sumner Street, Hartford, WI 53027
    County: Washington
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.2 mil
    Equity capital: $19.9 mil
    Deposits held in domestic offices: $145.4 mil
    Return on assets (ROA): 0.49% ($0.8 mil)
    Quarterly return on assets: 0.59% ($1.0 mil)
    Return on Equity (ROE): 4.03% ($0.8 mil)
    Quarterly return on equity: 4.84% ($1.0 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.55% ($914.2 mil)
    Quarterly Pretax return on assets: 0.71% ($1,180.1 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
  • 43Total employees (full-time equivalent)
  • $166,215Total assets
  • $24,483Cash and due from depository institutions
  • $18,732Interest-bearing balances
  • $38,858Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $87,008Net loans & leases
  • $1,008Loan loss allowance
  • $0Trading account assets
  • $3,631Bank premises and fixed assets
  • $2,620Other real estate owned
  • $0Goodwill and other intangibles
  • $166,215Life insurance assets
  • $9,615All other assets
  • $146,292Total liabilities and capital
  • $145,406Total liabilities
  • $120,743Total deposits
  • $145,406Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $886Subordinated debt
  • $19,923All other liabilities
  • $19,923Total equity capital
  • $19,923Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $900Surplus
  • $18,123Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,623Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,085Income earned, not collected on loans
  • $0Earning assets
  • $350Long-term assets (5+ years)
  • $144,598Average Assets, year-to-date
  • $19,116Average Assets, quarterly
  • $160,336Volatile liabilities
  • $162,364Insider loans
  • $104,648FHLB advances
  • $161,209Loans and leases held for sale
  • $6,599Unused loan commitments
  • $6,599Tier 1 (core) risk-based capital
  • $19,858Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,880Restructured Loans and leases
  • $3,773Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,759Total interest income
  • $1,165Total interest expense
  • $4,594Net interest income
  • $240Provision for loan and lease losses
  • $1,444Total noninterest income
  • $53Fiduciary activities
  • $102Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,289Additional noninterest income
  • $4,914Total noninterest expense
  • $2,404Salaries and employee benefits
  • $665Premises and equipment expense
  • $1,845Additional noninterest expense
  • $884Pre-tax net operating income
  • $0Securities gains (losses)
  • $92Applicable income taxes
  • $792Income before extraordinary items
  • $0Extraordinary gains - net
  • $792Net income attributable to bank
  • $0Net charge-offs
  • $792Cash dividends
  • $181Sale, conversion, retirement of capital stock, net
  • $266Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.09%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.26%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 4.03%Return on equity (ROE)
  • 2.68%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 132.60%Credit loss provision to net charge-offs
  • 6.21%Efficiency ratio
  • 81,385Assets per employee
  • 3.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.59%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 48.35%Noncurrent assets plus other real estate owned to assets
  • 2.83%Noncurrent loans to loans
  • 2.37%Net loans and leases to deposits
  • 59.84%Net loans and leases to core deposits
  • 60.85%Equity capital to assets
  • 11.99%Core capital (leverage) ratio
  • 12.32%Tier 1 risk-based capital ratio
  • 18.98%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $160,336Average earning assets
  • $19,633Average equity
  • $140,828Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $13,025Managed Assets
  • 1Number of Accounts
  • $11,466Personal trust and agency accounts
  • $2,572Employee benefit-defined contribution accounts
  • $1,515Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $273Other fiduciary accounts
  • $7,106Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 28Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,559Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $962Fiduciary accounts held in foreign offices

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03562The First National Bank Of Hartford116 West Sumner Street, Hartford, WI 53027January 01, 1907Full Service Brick and Mortar
    1207460Slinger Office Branch439 East Washington Street, Slinger, WI 53086December 21, 1992Full Service Brick and Mortar

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