Integrity First Bank in Wausau, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Integrity First Bank in Wausau, Wisconsin (WI)
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Integrity First Bank - Overview

  • General
  • FDIC Certificate #: 58091
    Status: Active
    Federal Reserve ID: 3382967
    Bank Holding Company (Regulatory Top Holder): Integrity First Bancorporation, Inc. (RSSDID: 3382976, Location: Wausau, WI)
    Date Established: December 12, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 439457
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 12, 2005
    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: 101 Grand Avenue, Wausau, WI 54403
    County: Marathon
    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
    Metropolitan Statistical Area (MSA): Wausau, WI (#8940)
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Wausau, WI (#48140)
    CBSA Metro Statistical Area: Wausau, WI (#48140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $99.1 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $83.8 mil
    Return on assets (ROA): -1.65% (-$1.6 mil)
    Quarterly return on assets: -2.16% (-$2.1 mil)
    Return on Equity (ROE): -26.13% (-$1.6 mil)
    Quarterly return on equity: -36.09% (-$2.2 mil)
    Net income: -$1.7 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -1.69% (-$1,675.0 mil)
    Quarterly Pretax return on assets: -1.88% (-$1,863.3 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
  • 22Total employees (full-time equivalent)
  • $99,114Total assets
  • $10,311Cash and due from depository institutions
  • $6,054Interest-bearing balances
  • $11,619Securities
  • $3,827Federal funds sold & reverse repurchase agreements
  • $64,906Net loans & leases
  • $2,760Loan loss allowance
  • $0Trading account assets
  • $2,941Bank premises and fixed assets
  • $1,193Other real estate owned
  • $0Goodwill and other intangibles
  • $99,114Life insurance assets
  • $4,317All other assets
  • $93,371Total liabilities and capital
  • $83,767Total liabilities
  • $75,991Total deposits
  • $83,767Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,364Trading liabilities
  • $0Other borrowed funds
  • $240Subordinated debt
  • $5,743All other liabilities
  • $5,743Total equity capital
  • $5,743Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $12,328Surplus
  • $-9,085Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $891Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $911Income earned, not collected on loans
  • $0Earning assets
  • $504Long-term assets (5+ years)
  • $86,406Average Assets, year-to-date
  • $6,581Average Assets, quarterly
  • $103,208Volatile liabilities
  • $101,271Insider loans
  • $71,651FHLB advances
  • $102,257Loans and leases held for sale
  • $2,795Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,436Tier 2 risk-based capital
  • $2,795Total risk weighted assets
  • $0Total unused commitments
  • $7,122Restructured Loans and leases
  • $827Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,100Total interest income
  • $2,195Total interest expense
  • $2,905Net interest income
  • $2,023Provision for loan and lease losses
  • $476Total noninterest income
  • $0Fiduciary activities
  • $89Service charges on deposit accounts
  • $0Trading account gains & fees
  • $387Additional noninterest income
  • $3,374Total noninterest expense
  • $1,527Salaries and employee benefits
  • $365Premises and equipment expense
  • $1,482Additional noninterest expense
  • -$2,016Pre-tax net operating income
  • $267Securities gains (losses)
  • -$45Applicable income taxes
  • -$1,704Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,704Net income attributable to bank
  • $0Net charge-offs
  • -$1,704Cash dividends
  • $1,940Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.49%Yield on earning assets
  • 2.36%Cost of funding earning assets
  • 3.13%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • -1.90%Net operating income to assets
  • -1.65%Return on assets (ROA)
  • -1.69%Pretax return on assets
  • -26.13%Return on equity (ROE)
  • -26.13%Retained earnings to average equity (YTD only)
  • 2.66%Net charge-offs to loans
  • 104.28%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 99,793Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.08%Loss allowance to noncurrent loans
  • 302.96%Noncurrent assets plus other real estate owned to assets
  • 2.12%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 77.48%Net loans and leases to core deposits
  • 94.44%Equity capital to assets
  • 5.79%Core capital (leverage) ratio
  • 5.32%Tier 1 risk-based capital ratio
  • 7.59%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $103,208Average earning assets
  • $6,521Average equity
  • $92,881Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0439457Integrity First Bank101 Grand Avenue, Wausau, WI 54403December 12, 2005Full Service Brick and Mortar

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