The Business Bank in Appleton, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Business Bank - Overview

  • General
  • FDIC Certificate #: 34993
    Status: Active
    Federal Reserve ID: 2747242
    Bank Holding Company (Regulatory Top Holder): Fox River Valley Bancorp, Inc. (RSSDID: 2747251, Location: Appleton, WI)
    Date Established: March 01, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 73815
    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: March 01, 1999
    Last Structure Change Effective Date: May 02, 2006
    Last Structure Change Process Date: May 10, 2006
    Last Data Update: May 10, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 5643 Waterford Lane, Appleton, WI 54912
    County: Outagamie
    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): Appleton-Oshkosh-Neenah, WI (#460)
    Combined Statistical Area (CSA): Appleton-Oshkosh-Neenah, WI (#118)
    Core Based Statistical Area (CBSA): Appleton, WI (#11540)
    CBSA Metro Statistical Area: Appleton, WI (#11540)
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $311.0 mil
    Equity capital: $31.7 mil
    Deposits held in domestic offices: $276.8 mil
    Return on assets (ROA): -0.01% (-$0.0 mil)
    Quarterly return on assets: 0.01% ($0.0 mil)
    Return on Equity (ROE): -0.07% (-$0.0 mil)
    Quarterly return on equity: 0.05% ($0.0 mil)
    Net income: -$0.0 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.03% (-$93.3 mil)
    Quarterly Pretax return on assets: -0.10% (-$311.0 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
  • 24Total employees (full-time equivalent)
  • $311,032Total assets
  • $54,758Cash and due from depository institutions
  • $45,173Interest-bearing balances
  • $32,765Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $210,748Net loans & leases
  • $3,906Loan loss allowance
  • $0Trading account assets
  • $2,195Bank premises and fixed assets
  • $5,760Other real estate owned
  • $0Goodwill and other intangibles
  • $311,032Life insurance assets
  • $4,806All other assets
  • $279,320Total liabilities and capital
  • $276,807Total liabilities
  • $249,512Total deposits
  • $276,807Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $460Trading liabilities
  • $0Other borrowed funds
  • $2,053Subordinated debt
  • $31,712All other liabilities
  • $31,712Total equity capital
  • $31,712Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $22,148Surplus
  • $8,564Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,096Income earned, not collected on loans
  • $275Earning assets
  • $765Long-term assets (5+ years)
  • $288,686Average Assets, year-to-date
  • $14,835Average Assets, quarterly
  • $321,798Volatile liabilities
  • $307,182Insider loans
  • $225,663FHLB advances
  • $309,714Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $31,163Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $31,773Restructured Loans and leases
  • $6,945Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,210Total interest income
  • $4,952Total interest expense
  • $9,258Net interest income
  • $2,844Provision for loan and lease losses
  • -$496Total noninterest income
  • $0Fiduciary activities
  • $230Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$726Additional noninterest income
  • $6,043Total noninterest expense
  • $2,471Salaries and employee benefits
  • $482Premises and equipment expense
  • $3,090Additional noninterest expense
  • -$125Pre-tax net operating income
  • $16Securities gains (losses)
  • -$88Applicable income taxes
  • -$21Income before extraordinary items
  • $0Extraordinary gains - net
  • -$21Net income attributable to bank
  • $0Net charge-offs
  • -$21Cash dividends
  • $3,981Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 1.66%Cost of funding earning assets
  • 3.10%Net interest margin
  • -0.17%Noninterest income to earning assets
  • 2.02%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • -0.01%Return on assets (ROA)
  • -0.03%Pretax return on assets
  • -0.07%Return on equity (ROE)
  • -0.07%Retained earnings to average equity (YTD only)
  • 1.65%Net charge-offs to loans
  • 71.44%Credit loss provision to net charge-offs
  • 0.68%Efficiency ratio
  • 68,968Assets per employee
  • 12.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 55.05%Noncurrent assets plus other real estate owned to assets
  • 4.13%Noncurrent loans to loans
  • 3.31%Net loans and leases to deposits
  • 76.14%Net loans and leases to core deposits
  • 115.17%Equity capital to assets
  • 10.20%Core capital (leverage) ratio
  • 10.06%Tier 1 risk-based capital ratio
  • 13.81%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $321,798Average earning assets
  • $31,843Average equity
  • $298,603Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    073815The Business Bank5643 Waterford Lane, Appleton, WI 54912March 01, 1999Full Service Brick and Mortar
    1465214Green Bay Branch3193 Voyager Drive, Green Bay, WI 54311July 02, 2007Full Service Brick and Mortar
    2469182Messenger Service5643 Waterford Lane, Appleton, WI 54912October 19, 2007Limited Service Messenger

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