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

The First National Bank of Park Falls - Overview

  • General
  • FDIC Certificate #: 5358
    Status: Active
    Federal Reserve ID: 34452
    Bank Holding Company (Regulatory Top Holder): Park Falls Agency, Inc. (RSSDID: 1122543, Location: Park Falls, WI)
    Date Established: Febuary 26, 1914
    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: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 3616
    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: Yes
    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: Second Avenue And Division Street, Park Falls, WI 54552
    County: Price
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $107.5 mil
    Equity capital: $12.2 mil
    Deposits held in domestic offices: $94.9 mil
    Return on assets (ROA): 1.49% ($1.6 mil)
    Quarterly return on assets: 1.16% ($1.3 mil)
    Return on Equity (ROE): 13.75% ($1.6 mil)
    Quarterly return on equity: 10.17% ($1.2 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.49% ($1,601.8 mil)
    Quarterly Pretax return on assets: 1.17% ($1,257.7 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
  • 27Total employees (full-time equivalent)
  • $107,500Total assets
  • $4,679Cash and due from depository institutions
  • $2,270Interest-bearing balances
  • $37,983Securities
  • $900Federal funds sold & reverse repurchase agreements
  • $59,481Net loans & leases
  • $536Loan loss allowance
  • $0Trading account assets
  • $1,619Bank premises and fixed assets
  • $270Other real estate owned
  • $0Goodwill and other intangibles
  • $107,500Life insurance assets
  • $2,568All other assets
  • $95,293Total liabilities and capital
  • $94,929Total liabilities
  • $85,961Total deposits
  • $94,929Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $364Subordinated debt
  • $12,207All other liabilities
  • $12,207Total equity capital
  • $12,207Total bank equity capital
  • $0Perpetual preferred stock
  • $163Common stock
  • $1,738Surplus
  • $10,306Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $218Income earned, not collected on loans
  • $0Earning assets
  • $489Long-term assets (5+ years)
  • $100,634Average Assets, year-to-date
  • $33,748Average Assets, quarterly
  • $104,258Volatile liabilities
  • $106,600Insider loans
  • $62,731FHLB advances
  • $104,882Loans and leases held for sale
  • $1,224Unused loan commitments
  • $319Tier 1 (core) risk-based capital
  • $10,787Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $905Total unused commitments
  • $7,701Restructured Loans and leases
  • $748Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,090Total interest income
  • $1,214Total interest expense
  • $3,876Net interest income
  • $110Provision for loan and lease losses
  • $608Total noninterest income
  • $0Fiduciary activities
  • $143Service charges on deposit accounts
  • $0Trading account gains & fees
  • $465Additional noninterest income
  • $3,141Total noninterest expense
  • $1,781Salaries and employee benefits
  • $481Premises and equipment expense
  • $879Additional noninterest expense
  • $1,233Pre-tax net operating income
  • $325Securities gains (losses)
  • $2Applicable income taxes
  • $1,556Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,556Net income attributable to bank
  • $0Net charge-offs
  • $1,556Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 3.21%Noninterest expense to earning assets
  • 1.18%Net operating income to assets
  • 1.49%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 13.75%Return on equity (ROE)
  • 7.57%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 846.15%Credit loss provision to net charge-offs
  • 103.31%Efficiency ratio
  • 70,049Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.99%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 245.87%Noncurrent assets plus other real estate owned to assets
  • 0.45%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 62.66%Net loans and leases to core deposits
  • 67.26%Equity capital to assets
  • 11.36%Core capital (leverage) ratio
  • 10.28%Tier 1 risk-based capital ratio
  • 17.20%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $104,258Average earning assets
  • $11,313Average equity
  • $97,993Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03616The First National Bank Of Park FallSecond Avenue And Division Street, Park Falls, WI 54552Febuary 26, 1914Full Service Brick and Mortar
    1207626Phillips Branch177 North Lake Avenue, Phillips, WI 54555December 04, 1989Full Service Brick and Mortar
    2356999Park Falls - South Office1142 4th Avenue South, Park Falls, WI 54552May 08, 2000Full Service Brick and Mortar

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