Adell State Bank in Adell, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 1995

Adell State Bank in Adell, Wisconsin (WI)
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Adell State Bank - Overview

General
FDIC Certificate #: 9531
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: National Exchange Bank and Trust (#10044)
Federal Reserve ID: 503042
Date Established: January 08, 1908
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 6127
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 01, 1995
Last Structure Change Process Date: December 07, 1995
Last Data Update: December 07, 1995
Data Source Date: April 05, 2012
Location
Address: 901 Wisconsin Street, Adell, WI 53001
County: Sheboygan
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Milwaukee
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Sheboygan, WI (#7620)
Core Based Statistical Area (CBSA): Sheboygan, WI (#43100)
CBSA Metro Statistical Area: Sheboygan, WI (#43100)
Financial Summary
Total assets: $25.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$11Total assets
$27,279Cash and due from depository institutions
$2,272Interest-bearing balances
$391Securities
$3,386Federal funds sold & reverse repurchase agreements
$1,700Net loans & leases
$19,384Loan loss allowance
$209Trading account assets
$0Bank premises and fixed assets
$294Other real estate owned
$0Goodwill and other intangibles
$243Life insurance assets
$0All other assets
$0Total liabilities and capital
$27,279Total liabilities
$25,186Total deposits
$25,080Interest-bearing deposits
$22,884Deposits held in domestic offices
25080.00%% insured (estimated)
$93Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$106Total equity capital
$106Total bank equity capital
$2,093Perpetual preferred stock
$0Common stock
$72Surplus
$1,428Undivided profits
Memoranda
$593Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$51Income earned, not collected on loans
$112Earning assets
$24,861Long-term assets (5+ years)
$906Average Assets, year-to-date
$26,662Average Assets, quarterly
$27,229Volatile liabilities
$503Insider loans
$114FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$723Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,093Total risk weighted assets
$15,414Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$1,865Total interest expense
$789Net interest income
$1,076Provision for loan and lease losses
$18Total noninterest income
$96Fiduciary activities
$0Service charges on deposit accounts
$61Trading account gains & fees
$0Additional noninterest income
$35Total noninterest expense
$670Salaries and employee benefits
$399Premises and equipment expense
$62Additional noninterest expense
$209Pre-tax net operating income
$484Securities gains (losses)
$0Applicable income taxes
$188Income before extraordinary items
$296Extraordinary gains - net
$0Net income attributable to bank
$296Net charge-offs
-$10Cash dividends
$10Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.57%Cost of funding earning assets
3.20%Net interest margin
4.37%Noninterest income to earning assets
0.39%Noninterest expense to earning assets
2.72%Net operating income to assets
1.11%Return on assets (ROA)
1.11%Pretax return on assets
1.82%Return on equity (ROE)
15.04%Retained earnings to average equity (YTD only)
14.53%Net charge-offs to loans
-0.05%Credit loss provision to net charge-offs
-180.00%Efficiency ratio
57,167Assets per employee
2.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
3.38%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
409.80%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.26%Net loans and leases to deposits
77.29%Net loans and leases to core deposits
78.87%Equity capital to assets
7.67%Core capital (leverage) ratio
7.64%Tier 1 risk-based capital ratio
13.58%Total risk-based capital ratio
Memoranda
$15Average assets
$26,662Average earning assets
$1,968Average equity
$24,646Average loans

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