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

This bank is inactive as of June 10, 2005

  • First National Bank in Viroqua in Viroqua, Wisconsin (WI)
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First National Bank in Viroqua - Overview

  • General
  • FDIC Certificate #: 14062
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens First Bank (#13032)
    Federal Reserve ID: 132442
    Date Established: March 10, 1934
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 8788
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: March 14, 1934
    Last Structure Change Effective Date: June 10, 2005
    Last Structure Change Process Date: June 24, 2005
    Last Data Update: June 24, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Main Street, Viroqua, WI 54665
    County: Vernon
    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
  • Financial Summary
  • Total assets: $81.2 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, 2004)

  • Dollar figures in thousands
  • 40Total employees (full-time equivalent)
  • $84,449Total assets
  • $4,477Cash and due from depository institutions
  • $1,318Interest-bearing balances
  • $12,386Securities
  • $1,139Federal funds sold & reverse repurchase agreements
  • $62,310Net loans & leases
  • $1,014Loan loss allowance
  • $0Trading account assets
  • $1,810Bank premises and fixed assets
  • $0Other real estate owned
  • $1,622Goodwill and other intangibles
  • $0Life insurance assets
  • $705All other assets
  • $84,449Total liabilities and capital
  • $75,023Total liabilities
  • $74,640Total deposits
  • $66,616Interest-bearing deposits
  • $74,640Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $383All other liabilities
  • $9,426Total equity capital
  • $9,426Total bank equity capital
  • $9,426Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $300Undivided profits
  • Memoranda
  • $8,826Noncurrent loans and leases
  • $4,307Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,114Earning assets
  • $0Long-term assets (5+ years)
  • $416Average Assets, year-to-date
  • $77,153Average Assets, quarterly
  • $6,461Volatile liabilities
  • $85,864Insider loans
  • $84,629FHLB advances
  • $5,459Loans and leases held for sale
  • $307Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,307Total unused commitments
  • $0Restructured Loans and leases
  • $784Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $4,832Total interest income
  • $1,358Total interest expense
  • $3,474Net interest income
  • $140Provision for loan and lease losses
  • $551Total noninterest income
  • $0Fiduciary activities
  • $234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $317Additional noninterest income
  • $2,763Total noninterest expense
  • $1,650Salaries and employee benefits
  • $294Premises and equipment expense
  • $819Additional noninterest expense
  • $1,122Pre-tax net operating income
  • $0Securities gains (losses)
  • $22Applicable income taxes
  • $1,100Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,100Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.12%Yield on earning assets
  • 1.72%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.50%Noninterest expense to earning assets
  • 1.28%Net operating income to assets
  • 1.28%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 11.82%Return on equity (ROE)
  • 4.30%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 119.66%Credit loss provision to net charge-offs
  • 10.79%Efficiency ratio
  • 68,646Assets per employee
  • 2.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.64%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 91.02%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.76%Net loans and leases to deposits
  • 83.48%Net loans and leases to core deposits
  • 90.07%Equity capital to assets
  • 11.16%Core capital (leverage) ratio
  • 9.21%Tier 1 risk-based capital ratio
  • 12.31%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $85,864Average earning assets
  • $9,309Average equity
  • $78,957Average loans

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