Community First Bank in Rosholt, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community First Bank - Overview

  • General
  • FDIC Certificate #: 12512
    Status: Active
    Federal Reserve ID: 62147
    Bank Holding Company (Regulatory Top Holder): Rosholt Bancorporation, Inc. (RSSDID: 1210422, Location: Rosholt, WI)
    Date Established: January 01, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11834
    FDIC's unique #: 7960
    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: 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: 275 West Grand Avenue, Rosholt, WI 54473
    County: Portage
    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
    Core Based Statistical Area (CBSA): Stevens Point, WI (#44620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $65.5 mil
    Equity capital: $6.5 mil
    Deposits held in domestic offices: $58.0 mil
    Return on assets (ROA): 0.22% ($0.1 mil)
    Quarterly return on assets: 0.29% ($0.2 mil)
    Return on Equity (ROE): 2.28% ($0.1 mil)
    Quarterly return on equity: 2.90% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.22% ($144.1 mil)
    Quarterly Pretax return on assets: 0.29% ($189.9 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
  • 23Total employees (full-time equivalent)
  • $65,478Total assets
  • $6,106Cash and due from depository institutions
  • $3,006Interest-bearing balances
  • $12,614Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,120Net loans & leases
  • $563Loan loss allowance
  • $0Trading account assets
  • $1,244Bank premises and fixed assets
  • $658Other real estate owned
  • $259Goodwill and other intangibles
  • $65,478Life insurance assets
  • $2,477All other assets
  • $58,991Total liabilities and capital
  • $58,041Total liabilities
  • $44,625Total deposits
  • $58,041Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $800Trading liabilities
  • $0Other borrowed funds
  • $150Subordinated debt
  • $6,487All other liabilities
  • $6,487Total equity capital
  • $6,487Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,091Surplus
  • $3,096Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $893Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $70Income earned, not collected on loans
  • $0Earning assets
  • $204Long-term assets (5+ years)
  • $57,740Average Assets, year-to-date
  • $12,780Average Assets, quarterly
  • $65,735Volatile liabilities
  • $64,562Insider loans
  • $50,858FHLB advances
  • $64,377Loans and leases held for sale
  • $1,198Unused loan commitments
  • $1,198Tier 1 (core) risk-based capital
  • $6,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,864Restructured Loans and leases
  • $293Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,413Total interest income
  • $400Total interest expense
  • $3,013Net interest income
  • $696Provision for loan and lease losses
  • $662Total noninterest income
  • $0Fiduciary activities
  • $209Service charges on deposit accounts
  • $0Trading account gains & fees
  • $453Additional noninterest income
  • $2,822Total noninterest expense
  • $1,366Salaries and employee benefits
  • $344Premises and equipment expense
  • $1,112Additional noninterest expense
  • $157Pre-tax net operating income
  • -$14Securities gains (losses)
  • $0Applicable income taxes
  • $143Income before extraordinary items
  • $0Extraordinary gains - net
  • $143Net income attributable to bank
  • $0Net charge-offs
  • $143Cash dividends
  • $1,151Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.90%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 5.21%Net interest margin
  • 1.14%Noninterest income to earning assets
  • 4.88%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.22%Pretax return on assets
  • 2.28%Return on equity (ROE)
  • 2.28%Retained earnings to average equity (YTD only)
  • 2.61%Net charge-offs to loans
  • 60.47%Credit loss provision to net charge-offs
  • 0.74%Efficiency ratio
  • 76,789Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 804.29%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 0.16%Net loans and leases to deposits
  • 72.57%Net loans and leases to core deposits
  • 76.05%Equity capital to assets
  • 9.91%Core capital (leverage) ratio
  • 9.47%Tier 1 risk-based capital ratio
  • 11.99%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $65,735Average earning assets
  • $6,280Average equity
  • $57,837Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07960Community First Bank275 West Grand Avenue, Rosholt, WI 54473January 01, 1904Full Service Brick and Mortar
    1227282Elderon Branch480 Highland Avenue, Elderon, WI 54429March 01, 1934Full Service Brick and Mortar
    4227285Highway 10 Branch5525 Highway 10 East, Stevens Point, WI 54481June 24, 1994Full Service Brick and Mortar

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