First National Bank at Darlington in Darlington, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank at Darlington - Overview

  • General
  • FDIC Certificate #: 14468
    Status: Active
    Federal Reserve ID: 57040
    Date Established: June 15, 1934
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 18Total employees (full-time equivalent)
  • $93,054Total assets
  • $4,782Cash and due from depository institutions
  • $2,571Interest-bearing balances
  • $37,830Securities
  • $1,650Federal funds sold & reverse repurchase agreements
  • $46,869Net loans & leases
  • $769Loan loss allowance
  • $0Trading account assets
  • $541Bank premises and fixed assets
  • $217Other real estate owned
  • $0Goodwill and other intangibles
  • $93,054Life insurance assets
  • $1,165All other assets
  • $81,187Total liabilities and capital
  • $79,164Total liabilities
  • $71,076Total deposits
  • $79,164Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 1545.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $478Subordinated debt
  • $11,867All other liabilities
  • $11,867Total equity capital
  • $11,867Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $200Surplus
  • $11,567Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $889Income earned, not collected on loans
  • $155Earning assets
  • $832Long-term assets (5+ years)
  • $88,920Average Assets, year-to-date
  • $21,178Average Assets, quarterly
  • $90,011Volatile liabilities
  • $90,635Insider loans
  • $58,203FHLB advances
  • $90,931Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,245Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,383Restructured Loans and leases
  • $55Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,030Total interest income
  • $965Total interest expense
  • $3,065Net interest income
  • $100Provision for loan and lease losses
  • $432Total noninterest income
  • $0Fiduciary activities
  • $335Service charges on deposit accounts
  • $0Trading account gains & fees
  • $97Additional noninterest income
  • $2,164Total noninterest expense
  • $1,274Salaries and employee benefits
  • $146Premises and equipment expense
  • $744Additional noninterest expense
  • $1,233Pre-tax net operating income
  • $0Securities gains (losses)
  • $339Applicable income taxes
  • $894Income before extraordinary items
  • $0Extraordinary gains - net
  • $894Net income attributable to bank
  • $0Net charge-offs
  • $894Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $145Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.71%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 7.91%Return on equity (ROE)
  • 6.63%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 196.08%Credit loss provision to net charge-offs
  • 26.14%Efficiency ratio
  • 61,882Assets per employee
  • 5.17%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.22%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 86.50%Noncurrent assets plus other real estate owned to assets
  • 1.19%Noncurrent loans to loans
  • 1.87%Net loans and leases to deposits
  • 59.20%Net loans and leases to core deposits
  • 60.35%Equity capital to assets
  • 12.75%Core capital (leverage) ratio
  • 12.37%Tier 1 risk-based capital ratio
  • 19.32%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $90,011Average earning assets
  • $11,303Average equity
  • $85,531Average loans

List of branches

  • 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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