The First Bank of Baldwin in Baldwin, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

The First Bank of Baldwin - Overview

  • General
  • FDIC Certificate #: 5336
    Status: Active
    Federal Reserve ID: 143952
    Bank Holding Company (Regulatory Top Holder): Baldwin Bancshares, Inc. (RSSDID: 1128639, Location: Baldwin, WI)
    Date Established: September 23, 1883
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 10712
    FDIC's unique #: 3600
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 04, 2007
    Last Structure Change Process Date: September 19, 2007
    Last Data Update: September 19, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 990 Main Street, Baldwin, WI 54002
    County: St. Croix
    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
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $171.7 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $148.2 mil
    Return on assets (ROA): -2.38% (-$4.1 mil)
    Quarterly return on assets: -2.08% (-$3.6 mil)
    Return on Equity (ROE): -24.78% (-$3.7 mil)
    Quarterly return on equity: -23.62% (-$3.5 mil)
    Net income: -$4.1 mil
    Quarterly Net income: -$0.9 mil
    Pretax return on assets: -2.38% (-$4,087.2 mil)
    Quarterly Pretax return on assets: -2.06% (-$3,537.7 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
  • 47Total employees (full-time equivalent)
  • $171,732Total assets
  • $20,382Cash and due from depository institutions
  • $14,807Interest-bearing balances
  • $13,989Securities
  • $4,512Federal funds sold & reverse repurchase agreements
  • $122,022Net loans & leases
  • $6,000Loan loss allowance
  • $0Trading account assets
  • $4,228Bank premises and fixed assets
  • $186Other real estate owned
  • $4,392Goodwill and other intangibles
  • $171,732Life insurance assets
  • $2,021All other assets
  • $157,008Total liabilities and capital
  • $148,238Total liabilities
  • $115,309Total deposits
  • $148,238Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 8219.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $551Subordinated debt
  • $14,724All other liabilities
  • $14,724Total equity capital
  • $14,724Total bank equity capital
  • $0Perpetual preferred stock
  • $390Common stock
  • $10,670Surplus
  • $3,664Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $344Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,365Income earned, not collected on loans
  • $0Earning assets
  • $725Long-term assets (5+ years)
  • $155,330Average Assets, year-to-date
  • $13,819Average Assets, quarterly
  • $173,470Volatile liabilities
  • $172,706Insider loans
  • $126,134FHLB advances
  • $169,035Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,001Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $16,577Restructured Loans and leases
  • $79Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,646Total interest income
  • $1,383Total interest expense
  • $6,263Net interest income
  • $4,913Provision for loan and lease losses
  • $752Total noninterest income
  • $0Fiduciary activities
  • $305Service charges on deposit accounts
  • $0Trading account gains & fees
  • $447Additional noninterest income
  • $6,295Total noninterest expense
  • $2,583Salaries and employee benefits
  • $736Premises and equipment expense
  • $2,976Additional noninterest expense
  • -$4,193Pre-tax net operating income
  • $68Securities gains (losses)
  • $7Applicable income taxes
  • -$4,132Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,132Net income attributable to bank
  • $0Net charge-offs
  • -$4,132Cash dividends
  • $3,465Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.97%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.99%Noninterest expense to earning assets
  • -2.42%Net operating income to assets
  • -2.38%Return on assets (ROA)
  • -2.38%Pretax return on assets
  • -24.78%Return on equity (ROE)
  • -24.78%Retained earnings to average equity (YTD only)
  • 2.55%Net charge-offs to loans
  • 141.79%Credit loss provision to net charge-offs
  • 0.21%Efficiency ratio
  • 88,339Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.69%Loss allowance to noncurrent loans
  • 48.52%Noncurrent assets plus other real estate owned to assets
  • 7.31%Noncurrent loans to loans
  • 9.66%Net loans and leases to deposits
  • 82.31%Net loans and leases to core deposits
  • 84.56%Equity capital to assets
  • 8.57%Core capital (leverage) ratio
  • 6.51%Tier 1 risk-based capital ratio
  • 8.72%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $173,470Average earning assets
  • $16,674Average equity
  • $157,954Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03600The First Bank Of Baldwin990 Main Street, Baldwin, WI 54002September 23, 1883Full Service Brick and Mortar
    1207585Nelson's Super Valu Branch980 Cedar Street, Baldwin, WI 54002Febuary 01, 1997Full Service Brick and Mortar
    29526Spring Valley BranchS320 Mckay Avenue, Spring Valley, WI 54767January 01, 1904Full Service Brick and Mortar
    3233312Plum City Branch409 Main Street, Plum City, WI 54761May 27, 1968Full Service Brick and Mortar

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