First State Bank in Fountain City, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 09, 2004

  • First State Bank in Fountain City, Wisconsin (WI)
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First State Bank - Overview

  • General
  • FDIC Certificate #: 9041
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Waumandee State Bank (#10384)
    Federal Reserve ID: 165356
    Date Established: August 11, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 5780
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 09, 2004
    Last Structure Change Process Date: September 02, 2004
    Last Data Update: September 02, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 46 South Main Street, Fountain City, WI 54629
    County: Buffalo
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $21.3 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, 2003)

  • Dollar figures in thousands
  • 6Total employees (full-time equivalent)
  • $21,403Total assets
  • $2,843Cash and due from depository institutions
  • $2,044Interest-bearing balances
  • $4,563Securities
  • $2,055Federal funds sold & reverse repurchase agreements
  • $11,757Net loans & leases
  • $169Loan loss allowance
  • $0Trading account assets
  • $67Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $118All other assets
  • $21,403Total liabilities and capital
  • $18,932Total liabilities
  • $18,859Total deposits
  • $17,016Interest-bearing deposits
  • $18,859Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $73All other liabilities
  • $2,471Total equity capital
  • $2,471Total bank equity capital
  • $2,471Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $800Undivided profits
  • Memoranda
  • $1,471Noncurrent loans and leases
  • $609Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $54Earning assets
  • $0Long-term assets (5+ years)
  • $104Average Assets, year-to-date
  • $20,419Average Assets, quarterly
  • $172Volatile liabilities
  • $20,872Insider loans
  • $21,114FHLB advances
  • $300Loans and leases held for sale
  • $125Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $609Total unused commitments
  • $0Restructured Loans and leases
  • $166Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $1,116Total interest income
  • $350Total interest expense
  • $766Net interest income
  • $0Provision for loan and lease losses
  • $49Total noninterest income
  • $0Fiduciary activities
  • $42Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7Additional noninterest income
  • $635Total noninterest expense
  • $385Salaries and employee benefits
  • $54Premises and equipment expense
  • $196Additional noninterest expense
  • $180Pre-tax net operating income
  • $0Securities gains (losses)
  • $32Applicable income taxes
  • $148Income before extraordinary items
  • $0Extraordinary gains - net
  • $148Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $148Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 1.77%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 5.90%Return on equity (ROE)
  • 0.00%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 77,914Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 100.00%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 312.96%Noncurrent assets plus other real estate owned to assets
  • 0.25%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 62.34%Net loans and leases to core deposits
  • 63.35%Equity capital to assets
  • 11.55%Core capital (leverage) ratio
  • 11.58%Tier 1 risk-based capital ratio
  • 18.49%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $20,872Average earning assets
  • $2,510Average equity
  • $19,810Average loans

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