First Financial Bank in Stevens Point, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 12, 1998

  • First Financial Bank in Stevens Point, Wisconsin (WI)
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First Financial Bank - Overview

  • General
  • FDIC Certificate #: 28939
    Status: Inactive
    Closing history: Office Sold
    Acquiring institution: Associated Bank Milwaukee (#1509)
    Federal Reserve ID: 713878
    Date Established: June 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2650
    FDIC's unique #: 41773
    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: October 29, 1934
    Last Structure Change Effective Date: November 12, 1998
    Last Structure Change Process Date: December 14, 1998
    Last Data Update: December 14, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 1305 Main Street, Stevens Point, WI 54481
    County: Portage
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Stevens Point, WI (#44620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
    Office Sold
  • Financial Summary
  • Total assets: $5,691.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 1,603Total employees (full-time equivalent)
  • $5,909,310Total assets
  • $106,620Cash and due from depository institutions
  • $1,219Interest-bearing balances
  • $2,009,669Securities
  • $23,913Federal funds sold & reverse repurchase agreements
  • $3,580,232Net loans & leases
  • $39,408Loan loss allowance
  • $0Trading account assets
  • $58,150Bank premises and fixed assets
  • $3,974Other real estate owned
  • $17,593Goodwill and other intangibles
  • $0Life insurance assets
  • $109,159All other assets
  • $5,909,310Total liabilities and capital
  • $5,531,591Total liabilities
  • $4,629,403Total deposits
  • $4,428,226Interest-bearing deposits
  • $4,629,403Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $300,407Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $540,432Other borrowed funds
  • $0Subordinated debt
  • $61,349All other liabilities
  • $377,719Total equity capital
  • $377,719Total bank equity capital
  • $377,719Perpetual preferred stock
  • $0Common stock
  • $2Surplus
  • $125,156Undivided profits
  • Memoranda
  • $252,561Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $17,813Earning assets
  • $0Long-term assets (5+ years)
  • $25,617Average Assets, year-to-date
  • $5,615,033Average Assets, quarterly
  • $0Volatile liabilities
  • $5,868,399Insider loans
  • $5,941,481FHLB advances
  • $1,251,775Loans and leases held for sale
  • $487Unused loan commitments
  • $530,868Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,315,545Total unused commitments
  • $0Restructured Loans and leases
  • $2,909,800Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $440,637Total interest income
  • $253,521Total interest expense
  • $187,116Net interest income
  • $60,740Provision for loan and lease losses
  • $47,904Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $47,904Additional noninterest income
  • $127,191Total noninterest expense
  • $50,829Salaries and employee benefits
  • $21,230Premises and equipment expense
  • $55,132Additional noninterest expense
  • $47,089Pre-tax net operating income
  • $5,784Securities gains (losses)
  • $37,194Applicable income taxes
  • $15,679Income before extraordinary items
  • $0Extraordinary gains - net
  • $15,679Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $9,414Sale, conversion, retirement of capital stock, net
  • $21,000Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.95%Yield on earning assets
  • 4.57%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 0.20%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 4.06%Return on equity (ROE)
  • -1.38%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 645.21%Credit loss provision to net charge-offs
  • 11.45%Efficiency ratio
  • 52,635Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 133.94%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 221.23%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.49%Net loans and leases to deposits
  • 77.34%Net loans and leases to core deposits
  • 84.87%Equity capital to assets
  • 6.39%Core capital (leverage) ratio
  • 6.11%Tier 1 risk-based capital ratio
  • 12.38%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $5,868,399Average earning assets
  • $386,068Average equity
  • $5,543,243Average loans

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