American Bank in Fond Du Lac, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • American Bank in Fond Du Lac, Wisconsin (WI)
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American Bank - Overview

  • General
  • FDIC Certificate #: 19838
    Status: Active
    Federal Reserve ID: 658540
    Bank Holding Company (Regulatory Top Holder): Neb Corporation (RSSDID: 1202052, Location: Fond Du Lac, WI)
    Date Established: July 10, 1968
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10893
    FDIC's unique #: 13631
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 10, 1968
    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: 676 West Johnson Street, Fond Du Lac, WI 54935
    County: Fond Du Lac
    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
    Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
    Core Based Statistical Area (CBSA): Fond du Lac, WI (#22540)
    CBSA Metro Statistical Area: Fond du Lac, WI (#22540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $228.4 mil
    Equity capital: $42.6 mil
    Deposits held in domestic offices: $169.8 mil
    Return on assets (ROA): 1.16% ($2.6 mil)
    Quarterly return on assets: 1.04% ($2.4 mil)
    Return on Equity (ROE): 6.58% ($2.8 mil)
    Quarterly return on equity: 5.69% ($2.4 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.71% ($3,904.9 mil)
    Quarterly Pretax return on assets: 1.52% ($3,471.0 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
  • 51Total employees (full-time equivalent)
  • $228,354Total assets
  • $29,586Cash and due from depository institutions
  • $126Interest-bearing balances
  • $60,270Securities
  • $15,000Federal funds sold & reverse repurchase agreements
  • $117,365Net loans & leases
  • $4,473Loan loss allowance
  • $0Trading account assets
  • $180Bank premises and fixed assets
  • $599Other real estate owned
  • $447Goodwill and other intangibles
  • $228,354Life insurance assets
  • $4,907All other assets
  • $185,751Total liabilities and capital
  • $169,824Total liabilities
  • $124,361Total deposits
  • $169,824Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 13105.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,822Subordinated debt
  • $42,603All other liabilities
  • $42,603Total equity capital
  • $42,603Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $12,200Surplus
  • $30,103Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $163Income earned, not collected on loans
  • $0Earning assets
  • $836Long-term assets (5+ years)
  • $192,761Average Assets, year-to-date
  • $24,129Average Assets, quarterly
  • $232,150Volatile liabilities
  • $230,408Insider loans
  • $134,033FHLB advances
  • $231,748Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $40,994Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,988Restructured Loans and leases
  • $11,500Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,106Total interest income
  • $950Total interest expense
  • $7,156Net interest income
  • $35Provision for loan and lease losses
  • $2,068Total noninterest income
  • $0Fiduciary activities
  • $250Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,818Additional noninterest income
  • $5,208Total noninterest expense
  • $2,720Salaries and employee benefits
  • $338Premises and equipment expense
  • $2,150Additional noninterest expense
  • $3,981Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,287Applicable income taxes
  • $2,694Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,694Net income attributable to bank
  • $0Net charge-offs
  • $2,694Cash dividends
  • $66Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.91%Yield on earning assets
  • 0.46%Cost of funding earning assets
  • 3.45%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 2.51%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 6.58%Return on equity (ROE)
  • 6.58%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 53.03%Credit loss provision to net charge-offs
  • 60.85%Efficiency ratio
  • 55,811Assets per employee
  • 4.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.67%Loss allowance to noncurrent loans
  • 2744.17%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 69.11%Net loans and leases to core deposits
  • 74.10%Equity capital to assets
  • 18.66%Core capital (leverage) ratio
  • 17.69%Tier 1 risk-based capital ratio
  • 30.59%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $232,150Average earning assets
  • $40,925Average equity
  • $207,181Average loans

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013631American Bank676 West Johnson Street, Fond Du Lac, WI 54935July 10, 1968Full Service Brick and Mortar
    17421Brownsville Branch505 Main Street, Brownsville, WI 53006Febuary 09, 1908Full Service Brick and Mortar
    3249661Mayville Branch1802 Horicon Street, Mayville, WI 53050July 20, 1998Full Service Brick and Mortar
    4270768Princeton Branch705 West Water Street, Princeton, WI 54968January 01, 1927Full Service Brick and Mortar
    5270767Omro Branch200 West Main Street, Omro, WI 54963January 01, 1927Full Service Brick and Mortar

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