The First National Bank of River Falls in city_name, state_name

The First National Bank of River Falls in River Falls, Wisconsin (WI)
Show street view No street view available for this location

The First National Bank of River Falls routing number info

The First National Bank of River Falls - Overview

General
FDIC Certificate #: 5364
Status: Active
Federal Reserve ID: 956255
Bank Holding Company (Regulatory Top Holder): First National Bancorp Of River Falls, Inc. (RSSDID: 2577159, Location: River Falls, WI)
Date Established: January 04, 1904
WWW: http://www.fnbrf.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 #: 3619
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 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 104 East Locust Street, River Falls, WI 54022
County: Pierce
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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $264.9 mil
Equity capital: $28.8 mil
Deposits held in domestic offices: $217.0 mil
Return on assets (ROA): 1.06% ($2.8 mil)
Quarterly return on assets: 0.92% ($2.4 mil)
Return on Equity (ROE): 10.17% ($2.9 mil)
Quarterly return on equity: 8.49% ($2.5 mil)
Net income: $2.9 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.07% ($2,834.2 mil)
Quarterly Pretax return on assets: 0.93% ($2,463.3 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
72Total employees (full-time equivalent)
$264,875Total assets
$26,005Cash and due from depository institutions
$19,641Interest-bearing balances
$62,999Securities
$3,682Federal funds sold & reverse repurchase agreements
$157,212Net loans & leases
$3,203Loan loss allowance
$0Trading account assets
$2,107Bank premises and fixed assets
$3,702Other real estate owned
$0Goodwill and other intangibles
$264,875Life insurance assets
$9,168All other assets
$236,097Total liabilities and capital
$217,034Total liabilities
$189,151Total deposits
$217,034Interest-bearing deposits
$86Deposits held in domestic offices
4074.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$14,387Trading liabilities
$0Other borrowed funds
$602Subordinated debt
$28,778All other liabilities
$28,778Total equity capital
$28,778Total bank equity capital
$0Perpetual preferred stock
$1,100Common stock
$1,020Surplus
$26,658Undivided profits
Memoranda
$0Noncurrent loans and leases
$262Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,576Income earned, not collected on loans
$594Earning assets
$1,517Long-term assets (5+ years)
$243,534Average Assets, year-to-date
$60,518Average Assets, quarterly
$269,961Volatile liabilities
$266,749Insider loans
$157,693FHLB advances
$260,226Loans and leases held for sale
$4,791Unused loan commitments
$2,131Tier 1 (core) risk-based capital
$26,353Tier 2 risk-based capital
$0Total risk weighted assets
$2,660Total unused commitments
$21,890Restructured Loans and leases
$309Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,034Total interest income
$2,053Total interest expense
$9,981Net interest income
$625Provision for loan and lease losses
$2,410Total noninterest income
$0Fiduciary activities
$721Service charges on deposit accounts
$0Trading account gains & fees
$1,689Additional noninterest income
$8,874Total noninterest expense
$4,942Salaries and employee benefits
$934Premises and equipment expense
$2,998Additional noninterest expense
$2,892Pre-tax net operating income
$2Securities gains (losses)
$28Applicable income taxes
$2,866Income before extraordinary items
$0Extraordinary gains - net
$2,866Net income attributable to bank
$0Net charge-offs
$2,866Cash dividends
$1,242Sale, conversion, retirement of capital stock, net
$1,950Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
0.82%Cost of funding earning assets
3.98%Net interest margin
0.96%Noninterest income to earning assets
3.54%Noninterest expense to earning assets
1.06%Net operating income to assets
1.06%Return on assets (ROA)
1.07%Pretax return on assets
10.17%Return on equity (ROE)
3.25%Retained earnings to average equity (YTD only)
0.75%Net charge-offs to loans
50.32%Credit loss provision to net charge-offs
2.83%Efficiency ratio
71,616Assets per employee
3.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
68.04%Loss allowance to loans
2.00%Loss allowance to noncurrent loans
89.57%Noncurrent assets plus other real estate owned to assets
2.75%Noncurrent loans to loans
2.23%Net loans and leases to deposits
72.44%Net loans and leases to core deposits
74.18%Equity capital to assets
10.86%Core capital (leverage) ratio
10.13%Tier 1 risk-based capital ratio
16.71%Total risk-based capital ratio
Memoranda
$18Average assets
$269,961Average earning assets
$28,178Average equity
$250,765Average loans

List of branches

4 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3619	The First National Bank Of River Fal	104 East Locust Street, River Falls, WI 54022	January 04, 1904	Full Service Brick and Mortar
1	207632	Prescott Branch	1151 North Canton Street, Prescott, WI 54021	January 19, 1993	Full Service Brick and Mortar
2	362639	Wellhaven Branch	119 Union Street, River Falls, WI 54022	September 18, 2001	Limited Service Mobile
3	462300	Uw-River Falls Branch	500 East Wild Rose Avenue, River Falls, WI 54022	January 22, 2007	Full Service Brick and Mortar

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

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

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