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

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

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

First Bank and Trust - Overview

Assets and Liabilities (December 31, 2007)

Income and Expense (December 31, 2007)

Performance and Condition Ratios (December 31, 2007)

Comment about this bank, ask questions, or add new information about it:

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

First Bank and Trust - Overview

Assets and Liabilities (December 31, 2007)

Income and Expense (December 31, 2007)

Performance and Condition Ratios (December 31, 2007)

Comment about this bank, ask questions, or add new information about it:

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