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

  • The First National Bank of Berlin in Berlin, Wisconsin (WI)
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The First National Bank of Berlin - Overview

  • General
  • FDIC Certificate #: 5286
    Status: Active
    Federal Reserve ID: 111942
    Bank Holding Company (Regulatory Top Holder): First Berlin Bancorp, Inc. (RSSDID: 1889538, Location: Berlin, WI)
    Date Established: January 01, 1876
    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: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 13100
    FDIC's unique #: 3554
    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: 140 West Huron Street, Berlin, WI 54923
    County: Green Lake
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $283.2 mil
    Equity capital: $25.6 mil
    Deposits held in domestic offices: $249.9 mil
    Return on assets (ROA): 0.50% ($1.4 mil)
    Quarterly return on assets: 0.30% ($0.8 mil)
    Return on Equity (ROE): 5.41% ($1.4 mil)
    Quarterly return on equity: 3.16% ($0.8 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.74% ($2,096.0 mil)
    Quarterly Pretax return on assets: 0.37% ($1,048.0 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
  • 80Total employees (full-time equivalent)
  • $283,245Total assets
  • $34,629Cash and due from depository institutions
  • $28,240Interest-bearing balances
  • $38,335Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $186,410Net loans & leases
  • $2,927Loan loss allowance
  • $0Trading account assets
  • $5,198Bank premises and fixed assets
  • $6,965Other real estate owned
  • $1,101Goodwill and other intangibles
  • $283,245Life insurance assets
  • $10,607All other assets
  • $257,686Total liabilities and capital
  • $249,871Total liabilities
  • $217,625Total deposits
  • $249,871Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 5189.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,626Subordinated debt
  • $25,559All other liabilities
  • $25,559Total equity capital
  • $25,559Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $300Surplus
  • $25,009Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,826Income earned, not collected on loans
  • $0Earning assets
  • $908Long-term assets (5+ years)
  • $252,985Average Assets, year-to-date
  • $41,240Average Assets, quarterly
  • $268,200Volatile liabilities
  • $273,626Insider loans
  • $200,086FHLB advances
  • $276,527Loans and leases held for sale
  • $6,925Unused loan commitments
  • $6,297Tier 1 (core) risk-based capital
  • $24,938Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $628Total unused commitments
  • $31,344Restructured Loans and leases
  • $5,133Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,019Total interest income
  • $1,468Total interest expense
  • $10,551Net interest income
  • $1,215Provision for loan and lease losses
  • $2,569Total noninterest income
  • $0Fiduciary activities
  • $1,009Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,560Additional noninterest income
  • $10,125Total noninterest expense
  • $5,390Salaries and employee benefits
  • $1,169Premises and equipment expense
  • $3,566Additional noninterest expense
  • $1,780Pre-tax net operating income
  • $205Securities gains (losses)
  • $640Applicable income taxes
  • $1,345Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,345Net income attributable to bank
  • $0Net charge-offs
  • $1,345Cash dividends
  • $1,227Sale, conversion, retirement of capital stock, net
  • $330Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.99%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 4.38%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 5.41%Return on equity (ROE)
  • 4.08%Retained earnings to average equity (YTD only)
  • 0.68%Net charge-offs to loans
  • 99.02%Credit loss provision to net charge-offs
  • 2.44%Efficiency ratio
  • 77,172Assets per employee
  • 3.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.54%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 103.57%Noncurrent assets plus other real estate owned to assets
  • 3.46%Noncurrent loans to loans
  • 1.49%Net loans and leases to deposits
  • 74.60%Net loans and leases to core deposits
  • 80.37%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 9.02%Tier 1 risk-based capital ratio
  • 12.46%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $268,200Average earning assets
  • $24,870Average equity
  • $240,706Average loans

List of branches

  • 8 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03554The First National Bank Of Berlin140 West Huron Street, Berlin, WI 54923January 01, 1876Full Service Brick and Mortar
    1207426Poy Sippi BranchN4259 State Road 49, Poy Sippi, WI 54967October 12, 1998Full Service Brick and Mortar
    2207427Green Lake BranchWest 1208 State Roads, 23/49, P.O.b., Green Lake, WI 54941March 01, 1999Full Service Brick and Mortar
    4360187Montello Branch408 Main Street, Montello, WI 53949April 30, 2000Full Service Brick and Mortar
    5364771Westfield Branch356 S. Pioneer Park Rd, Westfield, WI 53964April 01, 2002Full Service Brick and Mortar
    6366197Omro Branch120 Alder Avenue, Omro, WI 54963October 14, 2002Full Service Brick and Mortar
    8428668Winneconne Financial Center Branch908 East Main Street, Winneconne, WI 54986May 17, 2004Full Service Brick and Mortar
    9465394Waunakee Financial Center Branch1330 Montondon Avenue, Waunakee, WI 53597October 01, 2006Full Service Brick and Mortar

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