First American Bank, N.A. in Hudson, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

First American Bank, N.A. - Overview

  • General
  • FDIC Certificate #: 58593
    Status: Active
    Federal Reserve ID: 3595682
    Bank Holding Company (Regulatory Top Holder): First American Investment, Inc. (RSSDID: 3595440, Location: Hudson, WI)
    Date Established: June 22, 2007
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 457573
    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: June 22, 2007
    Last Structure Change Effective Date: June 22, 2007
    Last Structure Change Process Date: August 01, 2007
    Last Data Update: August 01, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 2424 Monetary Blvd., Hudson, WI 54016
    County: St. Croix
    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
  • Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $80.4 mil
    Equity capital: $9.4 mil
    Deposits held in domestic offices: $68.2 mil
    Return on assets (ROA): 0.40% ($0.3 mil)
    Quarterly return on assets: 0.79% ($0.6 mil)
    Return on Equity (ROE): 3.94% ($0.4 mil)
    Quarterly return on equity: 6.65% ($0.6 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.40% ($321.6 mil)
    Quarterly Pretax return on assets: 0.79% ($635.2 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
  • 21Total employees (full-time equivalent)
  • $80,408Total assets
  • $3,204Cash and due from depository institutions
  • $2,954Interest-bearing balances
  • $10,564Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,550Net loans & leases
  • $793Loan loss allowance
  • $0Trading account assets
  • $1,752Bank premises and fixed assets
  • $1,267Other real estate owned
  • $0Goodwill and other intangibles
  • $80,408Life insurance assets
  • $1,071All other assets
  • $70,984Total liabilities and capital
  • $68,156Total liabilities
  • $59,132Total deposits
  • $68,156Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 2368.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $460Subordinated debt
  • $9,424All other liabilities
  • $9,424Total equity capital
  • $9,424Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $12,874Surplus
  • $-4,450Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $615Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $983Income earned, not collected on loans
  • $0Earning assets
  • $218Long-term assets (5+ years)
  • $76,068Average Assets, year-to-date
  • $15,431Average Assets, quarterly
  • $77,627Volatile liabilities
  • $79,330Insider loans
  • $60,716FHLB advances
  • $79,499Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,441Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,892Restructured Loans and leases
  • $868Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,892Total interest income
  • $967Total interest expense
  • $2,925Net interest income
  • $171Provision for loan and lease losses
  • $362Total noninterest income
  • $0Fiduciary activities
  • $28Service charges on deposit accounts
  • $0Trading account gains & fees
  • $334Additional noninterest income
  • $2,838Total noninterest expense
  • $1,821Salaries and employee benefits
  • $379Premises and equipment expense
  • $638Additional noninterest expense
  • $278Pre-tax net operating income
  • $36Securities gains (losses)
  • $0Applicable income taxes
  • $314Income before extraordinary items
  • $0Extraordinary gains - net
  • $314Net income attributable to bank
  • $0Net charge-offs
  • $314Cash dividends
  • $216Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 3.86%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 3.94%Return on equity (ROE)
  • 3.94%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 79.17%Credit loss provision to net charge-offs
  • 2.08%Efficiency ratio
  • 86,340Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 80.67%Noncurrent assets plus other real estate owned to assets
  • 2.80%Noncurrent loans to loans
  • 1.55%Net loans and leases to deposits
  • 91.77%Net loans and leases to core deposits
  • 107.67%Equity capital to assets
  • 11.72%Core capital (leverage) ratio
  • 11.88%Tier 1 risk-based capital ratio
  • 15.55%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $77,627Average earning assets
  • $7,963Average equity
  • $73,497Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0457573First American Bank, N.A.2424 Monetary Blvd., Hudson, WI 54016June 22, 2007Full Service Brick and Mortar

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