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715-258-5511
111 Jefferson Street
Waupaca, WI 54981

First National Bank (WI) is headquartered in Waupaca and is the 22nd largest bank in the state of Wisconsin. It is also the 884th largest bank in the nation. It was established in 1893 and as of March of 2014, it had grown to 138 employees at 11 locations. First National Bank (WI) has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
C

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 First National Bank (WI) had $31.41 million in non-current loans and owned real-estate with $101.73 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (WI) a Texas Ratio of 30.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for First National Bank (WI) increased slightly from 9.81% as of March 31, 2013 to 30.88% as of March 31, 2014, resulting in a negative change of 214.86%. This indicates that the balance sheet and financial strength for First National Bank (WI) has declined slightly in recent periods.

Deposit Growth

GRADE:
D

In the past year, First National Bank (WI) has decreased its total deposits by -$38.19 million, resulting in -5.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank (WI) has shown is below average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank (WI) has $771.7 million in assets with $101.73 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #15149
Year Established1893
Employees138
Primary RegulatorOCC
Assets and Liabilities
Assets$771.70 million
Loans$683.03 million
Deposits$682.00 million
Equity Capital$87.17 million
Loan Loss Allowance$14.57 million
Unbacked Noncurrent Loans$29.93 million
Real Estate Owned$1.48 million
Historic Data - March 2013
Assets$815.31 million
Equity Capital$92.85 million
Loan Loss Allowance$8.36 million
Unbacked Noncurrent Loans$29.93 million
Real Estate Owned$2.87 million
Profit Margin - Quarterly
Net Interest Margin4.7%
Return on Assets1.95%
Return on Equity17.78%
Interest Income$9.50 million
Rates

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First National Bank (WI) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.01%--Statement Savings

First National Bank (WI) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$25k-Money Management Account
0.02%$10k-Guaranteed Money Market Investment Account
0.01%$2,500-Guaranteed Money Market Checking

First National Bank (WI) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.01%$500-Now Checking

First National Bank (WI) CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$2,500-25 Month CD
1.10%$2,500-13 Month CD
1.10%$500-1 1/2 Year CD
0.95%$500-2 Year CD
0.95%$500-2 1/2 Year CD
0.95%$500-3 Year CD
0.50%$50k-1 Year CD
0.45%$50k-6 Month CD
0.15%$2,500-3 Month CD

First National Bank (WI) IRA Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-18 Month Fixed Rate IRA
0.95%$500-24 Month Fixed Rate IRA
0.40%--18 Month Variable Rate IRA
Locations

First National Bank (WI) has 11 locations. Click to view all First National Bank (WI) locations.