First Bank in city_name, state_name - Detailed Financial Reports, Location

First Bank in Tomah, Wisconsin (WI)
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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

No	ID	Name	Address	Established	Service Type
0	6397	First Bank	1021 Superior Avenue, Tomah, WI 54660	March 01, 1894	Full Service Brick and Mortar
1	221684	Monowau Street	120 West Monowau Street, Tomah, WI 54660	July 22, 1996	Full Service Brick and Mortar
7	489481	First Bank Mortgage Center	N71w12980 Appleton Avenue, Menomonee Falls, WI 53051	May 29, 2008	Limited Service Facility

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

First Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Bank - 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:

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