Fox Valley Savings Bank in Fond Du Lac, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Fox Valley Savings Bank in Fond Du Lac, Wisconsin (WI)
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Fox Valley Savings Bank - Overview

  • General
  • FDIC Certificate #: 29188
    Status: Active
    Federal Reserve ID: 835770
    Date Established: October 01, 1934
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3069
    FDIC's unique #: 42022
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 13, 1934
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 51 East First Street, Fond Du Lac, WI 54935
    County: Fond Du Lac
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
    Core Based Statistical Area (CBSA): Fond du Lac, WI (#22540)
    CBSA Metro Statistical Area: Fond du Lac, WI (#22540)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $311.2 mil
    Equity capital: $38.3 mil
    Deposits held in domestic offices: $270.3 mil
    Return on assets (ROA): 0.28% ($0.9 mil)
    Quarterly return on assets: 0.65% ($2.0 mil)
    Return on Equity (ROE): 2.44% ($0.9 mil)
    Quarterly return on equity: 5.43% ($2.1 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.34% ($1,058.1 mil)
    Quarterly Pretax return on assets: 0.90% ($2,800.8 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
  • 48Total employees (full-time equivalent)
  • $311,202Total assets
  • $8,068Cash and due from depository institutions
  • $4,274Interest-bearing balances
  • $120,904Securities
  • $6,149Federal funds sold & reverse repurchase agreements
  • $160,106Net loans & leases
  • $4,812Loan loss allowance
  • $0Trading account assets
  • $4,295Bank premises and fixed assets
  • $2,902Other real estate owned
  • $1,010Goodwill and other intangibles
  • $311,202Life insurance assets
  • $7,768All other assets
  • $272,935Total liabilities and capital
  • $270,312Total liabilities
  • $266,395Total deposits
  • $270,312Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,623Subordinated debt
  • $38,267All other liabilities
  • $38,267Total equity capital
  • $38,267Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $38,267Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,039Income earned, not collected on loans
  • $0Earning assets
  • $1,386Long-term assets (5+ years)
  • $291,433Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $325,324Volatile liabilities
  • $320,000Insider loans
  • $180,378FHLB advances
  • $306,811Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,415Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,938Restructured Loans and leases
  • $1,298Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,407Total interest income
  • $5,253Total interest expense
  • $7,154Net interest income
  • $651Provision for loan and lease losses
  • $1,053Total noninterest income
  • $0Fiduciary activities
  • $26Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,027Additional noninterest income
  • $6,571Total noninterest expense
  • $3,490Salaries and employee benefits
  • $1,520Premises and equipment expense
  • $1,561Additional noninterest expense
  • $985Pre-tax net operating income
  • $120Securities gains (losses)
  • $193Applicable income taxes
  • $912Income before extraordinary items
  • $0Extraordinary gains - net
  • $912Net income attributable to bank
  • $0Net charge-offs
  • $912Cash dividends
  • $1,802Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.08%Yield on earning assets
  • 1.73%Cost of funding earning assets
  • 2.35%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.16%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 2.44%Return on equity (ROE)
  • 2.44%Retained earnings to average equity (YTD only)
  • 1.06%Net charge-offs to loans
  • 36.13%Credit loss provision to net charge-offs
  • 0.91%Efficiency ratio
  • 80,066Assets per employee
  • 6.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.92%Loss allowance to noncurrent loans
  • 47.93%Noncurrent assets plus other real estate owned to assets
  • 4.16%Noncurrent loans to loans
  • 6.09%Net loans and leases to deposits
  • 59.23%Net loans and leases to core deposits
  • 62.78%Equity capital to assets
  • 12.30%Core capital (leverage) ratio
  • 11.54%Tier 1 risk-based capital ratio
  • 19.63%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $325,324Average earning assets
  • $37,417Average equity
  • $304,333Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042022Fox Valley Savings Bank51 East First Street, Fond Du Lac, WI 54935October 01, 1934Full Service Brick and Mortar
    12733271700 West 20th Avenue Branch1700 West 20th Avenue, Oshkosh, WI 54903October 01, 1934Full Service Brick and Mortar
    343257101 S Madison St Branch101 S Madison St, Waupun, WI 53963January 01, 1924Full Service Brick and Mortar

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