National Exchange Bank and Trust in Fond Du Lac, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • National Exchange Bank and Trust in Fond Du Lac, Wisconsin (WI)
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National Exchange Bank and Trust - Overview

  • General
  • FDIC Certificate #: 10044
    Status: Active
    Federal Reserve ID: 722544
    Bank Holding Company (Regulatory Top Holder): Neb Corporation (RSSDID: 1202052, Location: Fond Du Lac, WI)
    Date Established: December 20, 1933
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 29 (Domestic: 29, Interstate: No)
    OTS Docket #: 10433
    FDIC's unique #: 6419
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 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: 130 South Main 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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,273.7 mil
    Equity capital: $204.6 mil
    Deposits held in domestic offices: $956.4 mil
    Return on assets (ROA): 1.07% ($13.6 mil)
    Quarterly return on assets: 0.90% ($11.5 mil)
    Return on Equity (ROE): 7.06% ($14.5 mil)
    Quarterly return on equity: 5.67% ($11.6 mil)
    Net income: $13.9 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 1.54% ($19,615.5 mil)
    Quarterly Pretax return on assets: 1.25% ($15,921.6 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
  • 268Total employees (full-time equivalent)
  • $1,273,731Total assets
  • $249,550Cash and due from depository institutions
  • $208,046Interest-bearing balances
  • $297,935Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $682,593Net loans & leases
  • $17,960Loan loss allowance
  • $0Trading account assets
  • $6,019Bank premises and fixed assets
  • $11,125Other real estate owned
  • $3,214Goodwill and other intangibles
  • $1,273,731Life insurance assets
  • $23,295All other assets
  • $1,069,122Total liabilities and capital
  • $956,437Total liabilities
  • $809,874Total deposits
  • $956,437Interest-bearing deposits
  • $48Deposits held in domestic offices
  • 93836.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $3,849Subordinated debt
  • $204,609All other liabilities
  • $204,609Total equity capital
  • $204,609Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $12,780Surplus
  • $186,829Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,013Income earned, not collected on loans
  • $1,147Earning assets
  • $5,034Long-term assets (5+ years)
  • $1,188,574Average Assets, year-to-date
  • $181,200Average Assets, quarterly
  • $1,301,804Volatile liabilities
  • $1,276,253Insider loans
  • $822,929FHLB advances
  • $1,250,383Loans and leases held for sale
  • $6,286Unused loan commitments
  • $6,286Tier 1 (core) risk-based capital
  • $197,058Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $204,819Restructured Loans and leases
  • $28,982Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $50,924Total interest income
  • $7,295Total interest expense
  • $43,629Net interest income
  • $3,900Provision for loan and lease losses
  • $7,989Total noninterest income
  • $1,498Fiduciary activities
  • $1,921Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,570Additional noninterest income
  • $27,672Total noninterest expense
  • $13,793Salaries and employee benefits
  • $2,705Premises and equipment expense
  • $11,174Additional noninterest expense
  • $20,046Pre-tax net operating income
  • $0Securities gains (losses)
  • $6,174Applicable income taxes
  • $13,872Income before extraordinary items
  • $0Extraordinary gains - net
  • $13,872Net income attributable to bank
  • $0Net charge-offs
  • $13,872Cash dividends
  • $1,432Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.17%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 2.27%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 7.06%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 272.35%Credit loss provision to net charge-offs
  • 16.72%Efficiency ratio
  • 49,990Assets per employee
  • 4.75%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.56%Loss allowance to noncurrent loans
  • 119.63%Noncurrent assets plus other real estate owned to assets
  • 2.05%Noncurrent loans to loans
  • 2.14%Net loans and leases to deposits
  • 71.37%Net loans and leases to core deposits
  • 75.57%Equity capital to assets
  • 16.06%Core capital (leverage) ratio
  • 15.76%Tier 1 risk-based capital ratio
  • 23.95%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $1,301,804Average earning assets
  • $196,509Average equity
  • $1,221,200Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $272,252Managed Assets
  • 1Number of Accounts
  • $189,747Personal trust and agency accounts
  • $113,381Employee benefit-defined contribution accounts
  • $1,260Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $28,649Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $39,676Fiduciary accounts held in foreign offices
  • $6,781Non-managed Assets
  • 199Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $82,505Other retirement accounts
  • $3,628Corporate trust and agency accounts
  • $71,753Other fiduciary accounts
  • $450Fiduciary accounts held in foreign offices

List of branches

  • 29 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06419National Exchange Bank And Trust130 South Main Street, Fond Du Lac, WI 54935December 20, 1933Full Service Brick and Mortar
    17968Mount Calvary Branch516 Fond Du Lac Street, Mount Calvary, WI 53057October 18, 1909Full Service Brick and Mortar
    39405Cascade Branch310 Madison Avenue, Cascade, WI 53011May 01, 1916Full Service Brick and Mortar
    48450Marytown BranchNorth 10504 County G, Marytown, WI 53061Febuary 18, 1918Full Service Brick and Mortar
    57412Glenbeulah Branch105 East Main Street, Glenbeulah, WI 53023March 08, 1913Full Service Brick and Mortar
    66127Adell Branch901 Wisconsin Street, Adell, WI 53001January 08, 1908Full Service Brick and Mortar
    7220322Cedar Grove Branch323 South Main, Cedar Grove, WI 53013November 12, 1990Full Service Brick and Mortar
    86398Elkhart Lake Branch54 South Lake, Elkhart Lake, WI 53020August 15, 1907Full Service Brick and Mortar
    9221685Sheboygan Falls Branch191 North Main Street, Sheboygan Falls, WI 53085November 16, 1990Full Service Brick and Mortar
    10221732West Bend Branch1320 West Paradise Drive, West Bend, WI 53095December 11, 1995Full Service Brick and Mortar
    11221733North Main Street Branch346 North Main Street, Fond Du Lac, WI 54935July 31, 1997Full Service Brick and Mortar
    12221734Eden Branch404 East Main Street, Eden, WI 53019December 14, 1998Full Service Brick and Mortar
    13270766Campbellsport Branch114 North Fond Du Lac Avenue, Campbellsport, WI 53010January 01, 1927Full Service Brick and Mortar
    148109Randolph Branch103 North High Street, Randolph, WI 53956December 08, 1923Full Service Brick and Mortar
    15227891Pardeeville Branch113 Lake Street, Pardeeville, WI 53954September 13, 1938Full Service Brick and Mortar
    166117Cambria Branch118 East Edgewater Street, Cambria, WI 53923September 30, 1909Full Service Brick and Mortar
    17227892Randolph Drive-In Branch154 Stark Street, Randolph, WI 53956May 31, 1990Limited Service Facility
    18221735Washington Street Office Branch2412 West Washington Street, West Bend, WI 53095January 27, 2000Full Service Brick and Mortar
    19363622South Main Street Messenger Branch130 South Main Street, Fond Du Lac, WI 54935April 09, 2002Limited Service Messenger
    20233497Dalton Branch509 Main Street, Dalton, WI 53926January 15, 1934Full Service Brick and Mortar
    21233498Kingston Branch120 North South Street, Kingston, WI 53939March 26, 1990Full Service Brick and Mortar
    229543Montello Branch24 West Street, Montello, WI 53949Febuary 12, 1900Full Service Brick and Mortar
    23233334Westfield Branch326 Second Street, Westfield, WI 53964August 06, 1990Full Service Brick and Mortar
    247861State Bank Of Howards Grove Branch211 North Wisconsin Drive, Howards Grove, WI 53081January 25, 1913Full Service Brick and Mortar
    25437182Beaver Dam Regular Branch1609 Spring Street, Beaver Dam, WI 53916April 19, 2004Full Service Brick and Mortar
    26220326Allenton Branch6278 Blueberry Road, Allenton, WI 53002May 24, 1973Full Service Brick and Mortar
    28207566Coloma Branch209 N. Front Street, Coloma, WI 54930October 04, 1902Full Service Brick and Mortar
    29221695Hancock Branch111 Main Street, Hancock, WI 54943January 13, 1939Full Service Brick and Mortar
    30475452E. Johnson Street Branch1125 E. Johnson Street, Fond Du Lac, WI 54935October 05, 2007Full Service Brick and Mortar

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