First Bank and Trust in Hudson, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 29, 2008

  • First Bank and Trust in Hudson, Wisconsin (WI)
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First Bank and Trust - Overview

  • General
  • FDIC Certificate #: 15911
    Status: Inactive
    Closing history: Change in Location
    Acquiring institution: Mainstreet Bank (#1909)
    Federal Reserve ID: 182054
    Date Established: July 08, 1879
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 12367
    FDIC's unique #: 10143
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 15, 1942
    Last Structure Change Effective Date: Febuary 29, 2008
    Last Structure Change Process Date: March 11, 2008
    Last Data Update: March 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 944 Carmichael Road, 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
  • Merger - Without Assistance
    Office Sold
    Change in Location
  • Financial Summary
  • Total assets: $124.4 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, 2007)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $124,393Total assets
  • $3,064Cash and due from depository institutions
  • $139Interest-bearing balances
  • $42,824Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $73,554Net loans & leases
  • $817Loan loss allowance
  • $0Trading account assets
  • $3,224Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $544Life insurance assets
  • $1,727All other assets
  • $124,393Total liabilities and capital
  • $113,115Total liabilities
  • $95,394Total deposits
  • $85,008Interest-bearing deposits
  • $95,394Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $14,467Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,750Other borrowed funds
  • $0Subordinated debt
  • $504All other liabilities
  • $11,278Total equity capital
  • $11,278Total bank equity capital
  • $11,278Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $5,000Undivided profits
  • Memoranda
  • $5,278Noncurrent loans and leases
  • $21,322Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $286Earning assets
  • $0Long-term assets (5+ years)
  • $709Average Assets, year-to-date
  • $116,517Average Assets, quarterly
  • $31,921Volatile liabilities
  • $124,716Insider loans
  • $130,835FHLB advances
  • $26,724Loans and leases held for sale
  • $117Unused loan commitments
  • $2,400Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $21,322Total unused commitments
  • $0Restructured Loans and leases
  • $817Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $7,525Total interest income
  • $3,713Total interest expense
  • $3,812Net interest income
  • $10Provision for loan and lease losses
  • $593Total noninterest income
  • $0Fiduciary activities
  • $131Service charges on deposit accounts
  • $0Trading account gains & fees
  • $462Additional noninterest income
  • $2,945Total noninterest expense
  • $1,667Salaries and employee benefits
  • $511Premises and equipment expense
  • $767Additional noninterest expense
  • $1,450Pre-tax net operating income
  • $0Securities gains (losses)
  • $453Applicable income taxes
  • $997Income before extraordinary items
  • $0Extraordinary gains - net
  • $997Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $100Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.47%Yield on earning assets
  • 3.19%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 9.48%Return on equity (ROE)
  • 9.48%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 10.00%Credit loss provision to net charge-offs
  • 14.60%Efficiency ratio
  • 66,856Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 285.66%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 77.11%Net loans and leases to core deposits
  • 86.65%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 14.47%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $124,716Average earning assets
  • $10,514Average equity
  • $116,315Average loans

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