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


First Bank - Overview

  • General
  • FDIC Certificate #: 10007
    Status: Active
    Federal Reserve ID: 284248
    Bank Holding Company (Regulatory Top Holder): Partnership Community Bancshares, Inc. (RSSDID: 3552724, Location: Menomonee Falls, WI)
    Date Established: March 01, 1894
    WWW: http://www.fbtomah.com
    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 #: 12896
    FDIC's unique #: 6397
    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: 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: 1021 Superior Avenue, Tomah, WI 54660
    County: Monroe
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $97.8 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $87.3 mil
    Return on assets (ROA): 0.96% ($0.9 mil)
    Quarterly return on assets: 1.74% ($1.7 mil)
    Return on Equity (ROE): 10.63% ($1.0 mil)
    Quarterly return on equity: 19.09% ($1.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.58% ($1,545.2 mil)
    Quarterly Pretax return on assets: 2.87% ($2,806.8 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
  • 22Total employees (full-time equivalent)
  • $97,799Total assets
  • $2,656Cash and due from depository institutions
  • $1Interest-bearing balances
  • $10,463Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $80,813Net loans & leases
  • $1,215Loan loss allowance
  • $0Trading account assets
  • $1,421Bank premises and fixed assets
  • $460Other real estate owned
  • $536Goodwill and other intangibles
  • $97,799Life insurance assets
  • $1,450All other assets
  • $88,735Total liabilities and capital
  • $87,259Total liabilities
  • $71,564Total deposits
  • $87,259Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 576.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $900Subordinated debt
  • $9,064All other liabilities
  • $9,064Total equity capital
  • $9,064Total bank equity capital
  • $0Perpetual preferred stock
  • $1,043Common stock
  • $2,309Surplus
  • $5,712Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $235Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,237Income earned, not collected on loans
  • $162Earning assets
  • $294Long-term assets (5+ years)
  • $91,277Average Assets, year-to-date
  • $5,101Average Assets, quarterly
  • $94,658Volatile liabilities
  • $97,205Insider loans
  • $79,578FHLB advances
  • $97,058Loans and leases held for sale
  • $246Unused loan commitments
  • $246Tier 1 (core) risk-based capital
  • $8,759Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,316Restructured Loans and leases
  • $4,483Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,535Total interest income
  • $664Total interest expense
  • $3,871Net interest income
  • $395Provision for loan and lease losses
  • $1,224Total noninterest income
  • $0Fiduciary activities
  • $320Service charges on deposit accounts
  • $0Trading account gains & fees
  • $904Additional noninterest income
  • $3,337Total noninterest expense
  • $1,205Salaries and employee benefits
  • $426Premises and equipment expense
  • $1,706Additional noninterest expense
  • $1,363Pre-tax net operating income
  • $137Securities gains (losses)
  • $590Applicable income taxes
  • $910Income before extraordinary items
  • $0Extraordinary gains - net
  • $910Net income attributable to bank
  • $0Net charge-offs
  • $910Cash dividends
  • $317Sale, conversion, retirement of capital stock, net
  • $108Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.38%Net interest margin
  • 1.38%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 10.63%Return on equity (ROE)
  • 9.37%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 124.61%Credit loss provision to net charge-offs
  • 5.55%Efficiency ratio
  • 65,496Assets per employee
  • 4.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 11.87%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 98.22%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 92.61%Net loans and leases to core deposits
  • 105.75%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 11.01%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $94,658Average earning assets
  • $8,559Average equity
  • $88,454Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06397First Bank1021 Superior Avenue, Tomah, WI 54660March 01, 1894Full Service Brick and Mortar
    1221684Monowau Street120 West Monowau Street, Tomah, WI 54660July 22, 1996Full Service Brick and Mortar
    7489481First Bank Mortgage CenterN71w12980 Appleton Avenue, Menomonee Falls, WI 53051May 29, 2008Limited Service Facility

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