First National Bank at Darlington in Darlington, Wisconsin (WI)



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Table of contents:
First National Bank at Darlington
GeneralFDIC Certificate #: 14468
Status: Active
Federal Reserve ID: 57040
Date Established: June 15, 1934
WWW: http://www.fnbdarlington.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 9039
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: June 15, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 245 Main Street, Darlington, WI 53530
County: Lafayette
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $93.1 mil
Equity capital: $11.9 mil
Deposits held in domestic offices: $79.2 mil
Return on assets (ROA): 0.99% ($0.9 mil)
Quarterly return on assets: 0.90% ($0.8 mil)
Return on Equity (ROE): 7.91% ($0.9 mil)
Quarterly return on equity: 6.91% ($0.8 mil)
Net income: $0.9 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.37% ($1,274.8 mil)
Quarterly Pretax return on assets: 1.24% ($1,153.9 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)
Total employees (full-time equivalent)18
Total assets$93,054
Cash and due from depository institutions$4,782
Interest-bearing balances$2,571
Securities$37,830
Federal funds sold & reverse repurchase agreements$1,650
Net loans & leases$46,869
Loan loss allowance $769
Trading account assets$0
Bank premises and fixed assets$541
Other real estate owned$217
Goodwill and other intangibles$0
All other assets$1,165
Life insurance assets$93,054
Total liabilities and capital$81,187
Total liabilities$79,164
Total deposits$71,076
Interest-bearing deposits$79,164
Deposits held in domestic offices$97
% insured (estimated)1545.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $478
All other liabilities $11,867
Total equity capital$11,867
Total bank equity capital$11,867
Perpetual preferred stock$0
Common stock$100
Surplus$200
Undivided profits $11,567
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $889
Earning assets $155
Long-term assets (5+ years) $832
Average Assets, year-to-date $88,920
Average Assets, quarterly $21,178
Volatile liabilities $90,011
Insider loans $90,635
FHLB advances $58,203
Loans and leases held for sale $90,931
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,245
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,383
Derivatives$55
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,030
Total interest expense $965
Net interest income $3,065
Provision for loan and lease losses $100
Total noninterest income $432
Fiduciary activities $0
Service charges on deposit accounts $335
Trading account gains & fees $0
Additional noninterest income $97
Total noninterest expense $2,164
Salaries and employee benefits $1,274
Premises and equipment expense $146
Additional noninterest expense $744
Pre-tax net operating income $1,233
Securities gains (losses) $0
Applicable income taxes $339
Income before extraordinary items $894
Extraordinary gains - net $0
Net income attributable to bank $894
Net charge-offs $0
Cash dividends $894
Sale, conversion, retirement of capital stock, net $51
Net operating income $145
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.71%
Cost of funding earning assets 1.13%
Net interest margin 3.58%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 2.53%
Net operating income to assets 0.99%
Return on assets (ROA) 0.99%
Pretax return on assets 1.37%
Return on equity (ROE) 7.91%
Retained earnings to average equity (YTD only) 6.63%
Net charge-offs to loans 0.10%
Credit loss provision to net charge-offs 196.08%
Efficiency ratio26.14%
Assets per employee$61,882
Cash dividends to net income (YTD only)5.17%
Condition Ratios (%)
Loss allowance to loans 16.22%
Loss allowance to noncurrent loans 1.61%
Noncurrent assets plus other real estate owned to assets 86.50%
Noncurrent loans to loans 1.19%
Net loans and leases to deposits1.87%
Net loans and leases to core deposits 59.20%
Equity capital to assets 60.35%
Core capital (leverage) ratio 12.75%
Tier 1 risk-based capital ratio 12.37%
Total risk-based capital ratio 19.32%
Memoranda
Average assets$21
Average earning assets$90,011
Average equity $11,303
Average loans $85,531
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1 Wisconsin Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09039First National Bank At Darlington245 Main Street, Darlington, WI 53530June 15, 1934Full Service Brick and Mortar
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