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


  • First Community Bank in Milton, Wisconsin (WI)
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First Community Bank - Overview

  • General
  • FDIC Certificate #: 11225
    Status: Active
    Federal Reserve ID: 742542
    Bank Holding Company (Regulatory Top Holder): First Community Bancshares Corp. (RSSDID: 1990096, Location: Anamosa, IA)
    Date Established: January 01, 1911
    WWW: http://www.fcbmilton.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14233
    FDIC's unique #: 7161
    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: Yes
    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: 202 Merchant Row, Milton, WI 53563
    County: Rock
    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
    Metropolitan Statistical Area (MSA): Janesville-Beloit, WI (#3620)
    Core Based Statistical Area (CBSA): Janesville, WI (#27500)
    CBSA Metro Statistical Area: Janesville, WI (#27500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $80.2 mil
    Equity capital: $8.7 mil
    Deposits held in domestic offices: $67.5 mil
    Return on assets (ROA): 1.36% ($1.1 mil)
    Quarterly return on assets: 1.41% ($1.1 mil)
    Return on Equity (ROE): 13.14% ($1.2 mil)
    Quarterly return on equity: 13.06% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.36% ($1,090.1 mil)
    Quarterly Pretax return on assets: 1.41% ($1,130.2 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
  • 21Total employees (full-time equivalent)
  • $80,154Total assets
  • $4,068Cash and due from depository institutions
  • $1,669Interest-bearing balances
  • $24,837Securities
  • $67Federal funds sold & reverse repurchase agreements
  • $48,102Net loans & leases
  • $891Loan loss allowance
  • $0Trading account assets
  • $812Bank premises and fixed assets
  • $187Other real estate owned
  • $164Goodwill and other intangibles
  • $80,154Life insurance assets
  • $1,917All other assets
  • $71,480Total liabilities and capital
  • $67,547Total liabilities
  • $55,603Total deposits
  • $67,547Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $433Subordinated debt
  • $8,674All other liabilities
  • $8,674Total equity capital
  • $8,674Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $2,366Surplus
  • $6,108Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,834Income earned, not collected on loans
  • $0Earning assets
  • $308Long-term assets (5+ years)
  • $74,675Average Assets, year-to-date
  • $20,720Average Assets, quarterly
  • $78,779Volatile liabilities
  • $79,301Insider loans
  • $61,107FHLB advances
  • $77,787Loans and leases held for sale
  • $830Unused loan commitments
  • $583Tier 1 (core) risk-based capital
  • $7,976Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $247Total unused commitments
  • $7,169Restructured Loans and leases
  • $1,432Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,614Total interest income
  • $557Total interest expense
  • $3,057Net interest income
  • $257Provision for loan and lease losses
  • $610Total noninterest income
  • $0Fiduciary activities
  • $150Service charges on deposit accounts
  • $0Trading account gains & fees
  • $460Additional noninterest income
  • $2,347Total noninterest expense
  • $1,348Salaries and employee benefits
  • $174Premises and equipment expense
  • $825Additional noninterest expense
  • $1,063Pre-tax net operating income
  • $11Securities gains (losses)
  • $2Applicable income taxes
  • $1,072Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,072Net income attributable to bank
  • $0Net charge-offs
  • $1,072Cash dividends
  • $377Sale, conversion, retirement of capital stock, net
  • $331Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.36%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 13.14%Return on equity (ROE)
  • 9.08%Retained earnings to average equity (YTD only)
  • 0.75%Net charge-offs to loans
  • 68.17%Credit loss provision to net charge-offs
  • 3.50%Efficiency ratio
  • 64,003Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.88%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 48.58%Noncurrent assets plus other real estate owned to assets
  • 2.52%Noncurrent loans to loans
  • 3.74%Net loans and leases to deposits
  • 71.21%Net loans and leases to core deposits
  • 72.13%Equity capital to assets
  • 10.82%Core capital (leverage) ratio
  • 10.25%Tier 1 risk-based capital ratio
  • 13.05%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $78,779Average earning assets
  • $8,159Average equity
  • $72,969Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07161First Community Bank202 Merchant Row, Milton, WI 53563January 01, 1911Full Service Brick and Mortar

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