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


The First National Bank of Niagara - Overview

  • General
  • FDIC Certificate #: 5313
    Status: Active
    Federal Reserve ID: 803144
    Bank Holding Company (Regulatory Top Holder): Niagara Bancorporation, Inc. (RSSDID: 3801262, Location: Niagara, WI)
    Date Established: August 17, 1917
    WWW: http://www.niagarabank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 3578
    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: All Other Specialization < 1 Billion
    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: 900 Roosevelt Road, Niagara, WI 54151
    County: Marinette
    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
    Core Based Statistical Area (CBSA): Marinette, WI-MI (#31940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $66.1 mil
    Equity capital: $6.9 mil
    Deposits held in domestic offices: $57.0 mil
    Return on assets (ROA): 0.55% ($0.4 mil)
    Quarterly return on assets: 0.66% ($0.4 mil)
    Return on Equity (ROE): 5.27% ($0.4 mil)
    Quarterly return on equity: 6.34% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.66% ($436.5 mil)
    Quarterly Pretax return on assets: 0.82% ($542.4 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
  • 23Total employees (full-time equivalent)
  • $66,142Total assets
  • $11,056Cash and due from depository institutions
  • $7,628Interest-bearing balances
  • $18,743Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $34,123Net loans & leases
  • $549Loan loss allowance
  • $0Trading account assets
  • $1,154Bank premises and fixed assets
  • $187Other real estate owned
  • $0Goodwill and other intangibles
  • $66,142Life insurance assets
  • $879All other assets
  • $59,235Total liabilities and capital
  • $57,022Total liabilities
  • $49,686Total deposits
  • $57,022Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $213Subordinated debt
  • $6,907All other liabilities
  • $6,907Total equity capital
  • $6,907Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $250Surplus
  • $6,407Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,021Income earned, not collected on loans
  • $0Earning assets
  • $362Long-term assets (5+ years)
  • $60,494Average Assets, year-to-date
  • $15,117Average Assets, quarterly
  • $65,197Volatile liabilities
  • $66,464Insider loans
  • $34,849FHLB advances
  • $65,396Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,785Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,765Restructured Loans and leases
  • $1,741Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,093Total interest income
  • $726Total interest expense
  • $2,367Net interest income
  • $90Provision for loan and lease losses
  • $329Total noninterest income
  • $0Fiduciary activities
  • $120Service charges on deposit accounts
  • $0Trading account gains & fees
  • $209Additional noninterest income
  • $2,176Total noninterest expense
  • $1,257Salaries and employee benefits
  • $226Premises and equipment expense
  • $693Additional noninterest expense
  • $430Pre-tax net operating income
  • $1Securities gains (losses)
  • $75Applicable income taxes
  • $356Income before extraordinary items
  • $0Extraordinary gains - net
  • $356Net income attributable to bank
  • $0Net charge-offs
  • $356Cash dividends
  • $197Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.93%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 5.27%Return on equity (ROE)
  • 2.31%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 45.69%Credit loss provision to net charge-offs
  • 2.64%Efficiency ratio
  • 80,712Assets per employee
  • 2.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.18%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 53.77%Noncurrent assets plus other real estate owned to assets
  • 1.83%Noncurrent loans to loans
  • 2.94%Net loans and leases to deposits
  • 59.84%Net loans and leases to core deposits
  • 64.25%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 10.38%Tier 1 risk-based capital ratio
  • 19.47%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $65,197Average earning assets
  • $6,751Average equity
  • $60,201Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03578The First National Bank Of Niagara900 Roosevelt Road, Niagara, WI 54151August 17, 1917Full Service Brick and Mortar
    1207544Aurora BranchHighway N (East Of Highway M 95), Niagara, WI 54151October 01, 1986Full Service Brick and Mortar
    2207545Spread Eagle Branch1108 Ushy 2, Florence, WI 54121January 21, 1998Full Service Brick and Mortar
    3442204Florence Office Branch845 Central Avenue, Florence, WI 54121December 27, 2004Full Service Brick and Mortar

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