First National Bank and Trust in Barron, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First National Bank and Trust in Barron, Wisconsin (WI)
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First National Bank and Trust - Overview

  • General
  • FDIC Certificate #: 5338
    Status: Active
    Federal Reserve ID: 147053
    Bank Holding Company (Regulatory Top Holder): First Financial Holdings, Inc. (RSSDID: 1123317, Location: Golden Valley, MN)
    Date Established: January 01, 1916
    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: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12670
    FDIC's unique #: 3602
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 436 East La Salle Avenue, Barron, WI 54812
    County: Barron
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $46.8 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $41.4 mil
    Return on assets (ROA): 0.02% ($0.0 mil)
    Quarterly return on assets: -0.30% (-$0.1 mil)
    Return on Equity (ROE): 0.20% ($0.0 mil)
    Quarterly return on equity: -3.45% (-$0.1 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.03% ($14.0 mil)
    Quarterly Pretax return on assets: -0.30% (-$140.5 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
  • 17Total employees (full-time equivalent)
  • $46,820Total assets
  • $4,628Cash and due from depository institutions
  • $1,205Interest-bearing balances
  • $10,314Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $27,527Net loans & leases
  • $496Loan loss allowance
  • $0Trading account assets
  • $2,337Bank premises and fixed assets
  • $311Other real estate owned
  • $0Goodwill and other intangibles
  • $46,820Life insurance assets
  • $1,703All other assets
  • $42,812Total liabilities and capital
  • $41,353Total liabilities
  • $33,358Total deposits
  • $41,353Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 300.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $159Subordinated debt
  • $4,008All other liabilities
  • $4,008Total equity capital
  • $4,008Total bank equity capital
  • $0Perpetual preferred stock
  • $700Common stock
  • $1,700Surplus
  • $1,608Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $566Income earned, not collected on loans
  • $10Earning assets
  • $189Long-term assets (5+ years)
  • $39,046Average Assets, year-to-date
  • $9,778Average Assets, quarterly
  • $45,032Volatile liabilities
  • $46,344Insider loans
  • $30,067FHLB advances
  • $45,951Loans and leases held for sale
  • $983Unused loan commitments
  • $983Tier 1 (core) risk-based capital
  • $3,866Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,921Restructured Loans and leases
  • $5Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,959Total interest income
  • $469Total interest expense
  • $1,490Net interest income
  • $79Provision for loan and lease losses
  • $300Total noninterest income
  • $0Fiduciary activities
  • $88Service charges on deposit accounts
  • $0Trading account gains & fees
  • $212Additional noninterest income
  • $1,699Total noninterest expense
  • $836Salaries and employee benefits
  • $287Premises and equipment expense
  • $576Additional noninterest expense
  • $12Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $8Income before extraordinary items
  • $0Extraordinary gains - net
  • $8Net income attributable to bank
  • $0Net charge-offs
  • $8Cash dividends
  • $135Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.09%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • 0.02%Net operating income to assets
  • 0.02%Return on assets (ROA)
  • 0.03%Pretax return on assets
  • 0.20%Return on equity (ROE)
  • 0.20%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 58.52%Credit loss provision to net charge-offs
  • 0.67%Efficiency ratio
  • 94,916Assets per employee
  • 2.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 87.63%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 2.02%Net loans and leases to deposits
  • 66.57%Net loans and leases to core deposits
  • 70.82%Equity capital to assets
  • 8.56%Core capital (leverage) ratio
  • 8.41%Tier 1 risk-based capital ratio
  • 12.86%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $45,032Average earning assets
  • $3,974Average equity
  • $38,470Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03602First National Bank And Trust436 East La Salle Avenue, Barron, WI 54812January 01, 1916Full Service Brick and Mortar
    1492783Branch2961 Decker Drive, Rice Lake, WI 54868April 01, 2004Full Service Brick and Mortar

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