First National Bank in Waupaca, Wisconsin (WI), TX
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

  • General
  • FDIC Certificate #: 15149
    Status: Active
    Federal Reserve ID: 466642
    Bank Holding Company (Regulatory Top Holder): Waupaca Bancorporation, Inc. (RSSDID: 1204104, Location: Waupaca, WI)
    Date Established: January 01, 1893
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Domestic: 11, Interstate: Yes)
    OTS Docket #: 14031
    FDIC's unique #: 9519
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 16, 1935
    Last Structure Change Effective Date: January 12, 2008
    Last Structure Change Process Date: January 22, 2008
    Last Data Update: January 22, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 111 Jefferson Street, Waupaca, WI 54981
    County: Waupaca
    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
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $750.4 mil
    Equity capital: $77.5 mil
    Deposits held in domestic offices: $668.6 mil
    Return on assets (ROA): 1.73% ($13.0 mil)
    Quarterly return on assets: 1.66% ($12.4 mil)
    Return on Equity (ROE): 17.15% ($13.2 mil)
    Quarterly return on equity: 16.25% ($12.5 mil)
    Net income: $13.0 mil
    Quarterly Net income: $3.1 mil
    Pretax return on assets: 1.72% ($12,907.6 mil)
    Quarterly Pretax return on assets: 1.64% ($12,307.3 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
  • 126Total employees (full-time equivalent)
  • $750,443Total assets
  • $17,986Cash and due from depository institutions
  • $5,193Interest-bearing balances
  • $33,709Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $666,322Net loans & leases
  • $6,514Loan loss allowance
  • $0Trading account assets
  • $9,735Bank premises and fixed assets
  • $2,653Other real estate owned
  • $7,040Goodwill and other intangibles
  • $750,443Life insurance assets
  • $12,998All other assets
  • $672,946Total liabilities and capital
  • $668,571Total liabilities
  • $574,366Total deposits
  • $668,571Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 1500.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,875Subordinated debt
  • $77,497All other liabilities
  • $77,497Total equity capital
  • $77,497Total bank equity capital
  • $0Perpetual preferred stock
  • $3,404Common stock
  • $36,190Surplus
  • $37,903Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $851Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,041Income earned, not collected on loans
  • $0Earning assets
  • $3,628Long-term assets (5+ years)
  • $705,224Average Assets, year-to-date
  • $120,592Average Assets, quarterly
  • $754,724Volatile liabilities
  • $757,068Insider loans
  • $615,054FHLB advances
  • $751,599Loans and leases held for sale
  • $2,435Unused loan commitments
  • $2,435Tier 1 (core) risk-based capital
  • $70,011Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,883Restructured Loans and leases
  • $10,977Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $41,277Total interest income
  • $8,144Total interest expense
  • $33,133Net interest income
  • $4,824Provision for loan and lease losses
  • $391Total noninterest income
  • $7Fiduciary activities
  • $931Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$547Additional noninterest income
  • $15,999Total noninterest expense
  • $8,653Salaries and employee benefits
  • $1,824Premises and equipment expense
  • $5,522Additional noninterest expense
  • $12,701Pre-tax net operating income
  • $305Securities gains (losses)
  • -$36Applicable income taxes
  • $13,042Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,042Net income attributable to bank
  • $0Net charge-offs
  • $13,042Cash dividends
  • $4,713Sale, conversion, retirement of capital stock, net
  • $11,438Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.83%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 4.68%Net interest margin
  • 0.06%Noninterest income to earning assets
  • 2.26%Noninterest expense to earning assets
  • 1.69%Net operating income to assets
  • 1.73%Return on assets (ROA)
  • 1.72%Pretax return on assets
  • 17.15%Return on equity (ROE)
  • 2.11%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 102.36%Credit loss provision to net charge-offs
  • 3.72%Efficiency ratio
  • 47,539Assets per employee
  • 5.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.70%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 107.83%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 99.66%Net loans and leases to core deposits
  • 120.81%Equity capital to assets
  • 10.33%Core capital (leverage) ratio
  • 9.31%Tier 1 risk-based capital ratio
  • 11.38%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $754,724Average earning assets
  • $76,035Average equity
  • $707,418Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,551Managed Assets
  • 1Number of Accounts
  • $1,551Personal trust and agency accounts
  • $1,551Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    517069National Bank Of Commerce/Branch1224 North Hobart, Pampa, TX 79065July 01, 1983Full Service Brick and Mortar
    68046301 North Main Street Branch305 North Main Street, Shamrock, TX 79079Febuary 01, 1909Full Service Brick and Mortar
    742088Childress Branch501 Commerce, Childress, TX 79201December 15, 1934Full Service Brick and Mortar
  • 8 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09519First National Bank111 Jefferson Street, Waupaca, WI 54981January 01, 1893Full Service Brick and Mortar
    18795North Main Street Branch148 North Main Street, Iola, WI 54945March 15, 1934Full Service Brick and Mortar
    2274326621 Second Street Branch621 Second Street, Chetek, WI 54728December 01, 1934Full Service Brick and Mortar
    3233301Weyauwega Branch101 East Main Street, Weyauwega, WI 54983June 01, 1998Full Service Brick and Mortar
    88250Clintonville Branch135 South Main Street, Clintonville, WI 54929March 09, 1920Full Service Brick and Mortar
    9228813East Perry Avenue Branch223 East Perry Avenue, Marion, WI 54950August 21, 1995Full Service Brick and Mortar
    10274845Seymour Branch689 Woodland Plaza, Seymour, WI 54165March 16, 1992Full Service Brick and Mortar
    11358261Shiocton BranchN5579 State Road 76, Shiocton, WI 54170September 01, 1999Full Service Brick and Mortar

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