First Federal Capital Bank in La Crosse, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 19, 2005

  • First Federal Capital Bank in La Crosse, Wisconsin (WI)
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First Federal Capital Bank - Overview

  • General
  • FDIC Certificate #: 28981
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Associated Bank, National Association (#5296)
    Federal Reserve ID: 751076
    Date Established: June 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2720
    FDIC's unique #: 41815
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: November 12, 1934
    Last Structure Change Effective Date: Febuary 19, 2005
    Last Structure Change Process Date: April 15, 2005
    Last Data Update: April 15, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 605 State Street, La Crosse, WI 54601
    County: La Crosse
    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): La Crosse, WI-MN (#3870)
    Core Based Statistical Area (CBSA): La Crosse, WI-MN (#29100)
    CBSA Metro Statistical Area: La Crosse, WI-MN (#29100)
  • Financial Summary
  • Total assets: $4,109.2 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, 2004)

  • Dollar figures in thousands
  • 1,264Total employees (full-time equivalent)
  • $4,109,173Total assets
  • $103,400Cash and due from depository institutions
  • $7,442Interest-bearing balances
  • $617,786Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,710,431Net loans & leases
  • $14,750Loan loss allowance
  • $0Trading account assets
  • $50,172Bank premises and fixed assets
  • $1,938Other real estate owned
  • $498,370Goodwill and other intangibles
  • $27,127Life insurance assets
  • $127,076All other assets
  • $4,109,173Total liabilities and capital
  • $3,455,645Total liabilities
  • $2,557,033Total deposits
  • $2,181,074Interest-bearing deposits
  • $2,557,033Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $167,950Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $665,657Other borrowed funds
  • $0Subordinated debt
  • $65,005All other liabilities
  • $653,528Total equity capital
  • $653,528Total bank equity capital
  • $653,528Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $644,446Undivided profits
  • Memoranda
  • $8,982Noncurrent loans and leases
  • $303,241Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $15,957Earning assets
  • $0Long-term assets (5+ years)
  • $17,111Average Assets, year-to-date
  • $3,335,659Average Assets, quarterly
  • $0Volatile liabilities
  • $3,731,637Insider loans
  • $3,933,064FHLB advances
  • $1,357,871Loans and leases held for sale
  • $0Unused loan commitments
  • $465,653Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $303,241Total unused commitments
  • $0Restructured Loans and leases
  • $14,750Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $173,042Total interest income
  • $57,229Total interest expense
  • $115,813Net interest income
  • $13,544Provision for loan and lease losses
  • $52,264Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52,264Additional noninterest income
  • $117,726Total noninterest expense
  • $73,834Salaries and employee benefits
  • $14,341Premises and equipment expense
  • $29,551Additional noninterest expense
  • $36,807Pre-tax net operating income
  • $16,063Securities gains (losses)
  • $18,794Applicable income taxes
  • $34,076Income before extraordinary items
  • $0Extraordinary gains - net
  • $34,076Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $12,825Sale, conversion, retirement of capital stock, net
  • $30,000Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 1.76%Cost of funding earning assets
  • 3.56%Net interest margin
  • 1.61%Noninterest income to earning assets
  • 3.62%Noninterest expense to earning assets
  • 0.64%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 9.06%Return on equity (ROE)
  • 1.08%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 105.61%Credit loss provision to net charge-offs
  • 3.93%Efficiency ratio
  • 68,545Assets per employee
  • 3.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.04%Loss allowance to loans
  • 0.54%Loss allowance to noncurrent loans
  • 92.44%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.59%Net loans and leases to deposits
  • 106.00%Net loans and leases to core deposits
  • 133.34%Equity capital to assets
  • 15.90%Core capital (leverage) ratio
  • 5.16%Tier 1 risk-based capital ratio
  • 9.15%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $3,731,637Average earning assets
  • $375,965Average equity
  • $3,256,092Average loans

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