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


  • First Bank Financial Centre in Oconomowoc, Wisconsin (WI)
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First Bank Financial Centre - Overview

  • General
  • FDIC Certificate #: 12517
    Status: Active
    Federal Reserve ID: 806846
    Bank Holding Company (Regulatory Top Holder): Oconomowoc Bancshares, Inc. (RSSDID: 2320618, Location: Oconomowoc, WI)
    Date Established: September 01, 1859
    WWW: http://www.fbfcwi.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 12624
    FDIC's unique #: 7965
    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 14, 2011
    Last Structure Change Process Date: March 14, 2011
    Last Data Update: March 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 155 West Wisconsin Avenue, Oconomowoc, WI 53066
    County: Waukesha
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • Financial Summary
  • Total assets: $713.7 mil
    Equity capital: $65.3 mil
    Deposits held in domestic offices: $565.0 mil
    Return on assets (ROA): 0.75% ($5.4 mil)
    Quarterly return on assets: 0.58% ($4.1 mil)
    Return on Equity (ROE): 8.23% ($5.3 mil)
    Quarterly return on equity: 6.22% ($4.0 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.10% ($7,850.5 mil)
    Quarterly Pretax return on assets: 0.84% ($5,994.9 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
  • 184Total employees (full-time equivalent)
  • $713,681Total assets
  • $34,126Cash and due from depository institutions
  • $905Interest-bearing balances
  • $132,953Securities
  • $1,104Federal funds sold & reverse repurchase agreements
  • $500,504Net loans & leases
  • $5,189Loan loss allowance
  • $0Trading account assets
  • $11,282Bank premises and fixed assets
  • $14,841Other real estate owned
  • $5,140Goodwill and other intangibles
  • $713,681Life insurance assets
  • $13,731All other assets
  • $648,372Total liabilities and capital
  • $564,971Total liabilities
  • $497,513Total deposits
  • $564,971Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 58679.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $4,722Subordinated debt
  • $65,309All other liabilities
  • $65,309Total equity capital
  • $65,309Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $21,079Surplus
  • $43,830Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $605Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,452Income earned, not collected on loans
  • $0Earning assets
  • $2,146Long-term assets (5+ years)
  • $635,466Average Assets, year-to-date
  • $106,767Average Assets, quarterly
  • $695,431Volatile liabilities
  • $694,516Insider loans
  • $508,120FHLB advances
  • $674,368Loans and leases held for sale
  • $4,665Unused loan commitments
  • $851Tier 1 (core) risk-based capital
  • $63,222Tier 2 risk-based capital
  • $3,814Total risk weighted assets
  • $0Total unused commitments
  • $73,248Restructured Loans and leases
  • $7,392Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $31,191Total interest income
  • $7,274Total interest expense
  • $23,917Net interest income
  • $1,926Provision for loan and lease losses
  • $5,520Total noninterest income
  • $0Fiduciary activities
  • $799Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,721Additional noninterest income
  • $21,236Total noninterest expense
  • $12,304Salaries and employee benefits
  • $2,812Premises and equipment expense
  • $6,120Additional noninterest expense
  • $6,275Pre-tax net operating income
  • $1,394Securities gains (losses)
  • $2,488Applicable income taxes
  • $5,181Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,181Net income attributable to bank
  • $0Net charge-offs
  • $5,181Cash dividends
  • $2,249Sale, conversion, retirement of capital stock, net
  • $1,190Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.89%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.10%Pretax return on assets
  • 8.23%Return on equity (ROE)
  • 6.34%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 85.64%Credit loss provision to net charge-offs
  • 3.65%Efficiency ratio
  • 72,141Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.97%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 211.62%Noncurrent assets plus other real estate owned to assets
  • 2.42%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 88.59%Net loans and leases to core deposits
  • 97.07%Equity capital to assets
  • 9.15%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 12.44%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $695,431Average earning assets
  • $62,934Average equity
  • $637,914Average loans

List of branches

  • 12 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07965First Bank Financial Centre155 West Wisconsin Avenue, Oconomowoc, WI 53066September 01, 1859Full Service Brick and Mortar
    1227295Drive-In Branch119-123 West Wisconsin Avenue, Oconomowoc, WI 53066May 06, 1963Limited Service Facility
    2227296Brown Street BranchW359 N5900 Brown Street, Oconomowoc, WI 53066November 18, 1994Full Service Brick and Mortar
    3227297Hartland Branch800 Cardinal Lane, Hartland, WI 53029December 23, 1996Full Service Brick and Mortar
    5227299Shorehaven Branch1306 W Wisconsin Av, Oconomowoc, WI 53066October 07, 1996Full Service Brick and Mortar
    6227300Germantown BranchN112 W17100 Mequon Road, Germantown, WI 53022December 13, 1999Full Service Brick and Mortar
    7357185Hartford Branch940 Bell Avenue, Hartford, WI 53027December 09, 1998Full Service Brick and Mortar
    8365854West Bend Branch1811 West Washington Avenue, West Bend, WI 53095November 04, 2002Full Service Brick and Mortar
    9437201Summit Avenue Branch1300 Summit Avenue, Suite 100, Oconomowoc, WI 53066Febuary 01, 2005Full Service Brick and Mortar
    10479127Menomonee Falls BranchN56 W14044 Silver Spring Drive Suite 100, Menomonee Falls, WI 53051April 14, 2008Full Service Brick and Mortar
    12517565Madison Lpo2001 West Beltline Highway, Suite 10, Madison, WI 53713Febuary 16, 2011Limited Service Loan Production
    13517807Germantown Retirement Home FacilityN109w17075 Ava Circle, Germantown, WI 53022March 01, 2011

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