First Federal Bank of Eau Claire, FSB in Eau Claire, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 1997

  • First Federal Bank of Eau Claire, FSB in Eau Claire, Wisconsin (WI)
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First Federal Bank of Eau Claire, FSB - Overview

  • General
  • FDIC Certificate #: 30226
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Bank Mutual (#30125)
    Federal Reserve ID: 234971
    Date Established: September 01, 1943
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 4999
    FDIC's unique #: 43060
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: November 12, 1943
    Last Structure Change Effective Date: April 01, 1997
    Last Structure Change Process Date: April 15, 1997
    Last Data Update: April 21, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 319 East Grand Avenue, Eau Claire, WI 54701
    County: Eau Claire
    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): Eau Claire, WI (#2290)
    Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232)
    Core Based Statistical Area (CBSA): Eau Claire, WI (#20740)
    CBSA Metro Statistical Area: Eau Claire, WI (#20740)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $728.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $186Total assets
  • $723,073Cash and due from depository institutions
  • $11,377Interest-bearing balances
  • $6,241Securities
  • $160,603Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $521,073Loan loss allowance
  • $1,481Trading account assets
  • $0Bank premises and fixed assets
  • $8,242Other real estate owned
  • $438Goodwill and other intangibles
  • $17,542Life insurance assets
  • $3,798All other assets
  • $0Total liabilities and capital
  • $723,073Total liabilities
  • $650,878Total deposits
  • $381,486Interest-bearing deposits
  • $374,170Deposits held in domestic offices
  • 381486.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $265,211Subordinated debt
  • $0All other liabilities
  • $4,181Total equity capital
  • $4,181Total bank equity capital
  • $72,195Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $35,312Undivided profits
  • Memoranda
  • $36,882Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $201Income earned, not collected on loans
  • $3,507Earning assets
  • $687,917Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $690,293Average Assets, quarterly
  • $725,675Volatile liabilities
  • $289,302Insider loans
  • $923FHLB advances
  • $239,250Loans and leases held for sale
  • $0Unused loan commitments
  • $16,002Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $68,017Total risk weighted assets
  • $337,137Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $50,868Total interest expense
  • $31,061Net interest income
  • $19,807Provision for loan and lease losses
  • $728Total noninterest income
  • $3,140Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $3,140Total noninterest expense
  • $16,076Salaries and employee benefits
  • $8,186Premises and equipment expense
  • $2,347Additional noninterest expense
  • $5,543Pre-tax net operating income
  • $6,143Securities gains (losses)
  • $102Applicable income taxes
  • $2,141Income before extraordinary items
  • $4,104Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,104Net charge-offs
  • $72Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.73%Cost of funding earning assets
  • 4.72%Net interest margin
  • 3.01%Noninterest income to earning assets
  • 0.48%Noninterest expense to earning assets
  • 2.44%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 0.90%Return on equity (ROE)
  • 5.90%Retained earnings to average equity (YTD only)
  • 5.90%Net charge-offs to loans
  • 0.01%Credit loss provision to net charge-offs
  • 1011.11%Efficiency ratio
  • 68,541Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.28%Loss allowance to noncurrent loans
  • 478.11%Noncurrent assets plus other real estate owned to assets
  • 0.07%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 136.59%Net loans and leases to core deposits
  • 145.80%Equity capital to assets
  • 9.98%Core capital (leverage) ratio
  • 9.46%Tier 1 risk-based capital ratio
  • 20.17%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $690,293Average earning assets
  • $69,530Average equity
  • $657,742Average loans

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