Badger Bank in city_name, state_name - Detailed Financial Reports, Location

Badger Bank in Fort Atkinson, Wisconsin (WI)
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Badger Bank routing number info

Badger Bank - Overview

General
FDIC Certificate #: 2469
Status: Active
Federal Reserve ID: 846945
Bank Holding Company (Regulatory Top Holder): Citizens Financial Corporation Employee Stock Ownership Plan And Trust (RSSDID: 1247727, Location: Fort Atkinson, WI)
Date Established: January 07, 1884
WWW: http://www.badgerbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 1621
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: April 30, 2007
Last Structure Change Process Date: May 10, 2007
Last Data Update: May 10, 2007
Data Source Date: April 05, 2012
Location
Address: 220 Grant Street, Fort Atkinson, WI 53538
County: Jefferson
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
Core Based Statistical Area (CBSA): Watertown-Fort Atkinson, WI (#48020)
CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Financial Summary
Total assets: $108.1 mil
Equity capital: $11.7 mil
Deposits held in domestic offices: $96.0 mil
Return on assets (ROA): 0.25% ($0.3 mil)
Quarterly return on assets: 0.66% ($0.7 mil)
Return on Equity (ROE): 2.43% ($0.3 mil)
Quarterly return on equity: 6.12% ($0.7 mil)
Net income: $0.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.42% ($454.2 mil)
Quarterly Pretax return on assets: 1.11% ($1,200.5 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
39Total employees (full-time equivalent)
$108,149Total assets
$14,713Cash and due from depository institutions
$12,064Interest-bearing balances
$25,301Securities
$241Federal funds sold & reverse repurchase agreements
$54,066Net loans & leases
$843Loan loss allowance
$0Trading account assets
$5,319Bank premises and fixed assets
$4,180Other real estate owned
$512Goodwill and other intangibles
$108,149Life insurance assets
$3,817All other assets
$96,447Total liabilities and capital
$96,003Total liabilities
$77,288Total deposits
$96,003Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$444Subordinated debt
$11,702All other liabilities
$11,702Total equity capital
$11,702Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$4,879Surplus
$6,223Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$507Income earned, not collected on loans
$0Earning assets
$317Long-term assets (5+ years)
$91,672Average Assets, year-to-date
$18,731Average Assets, quarterly
$108,175Volatile liabilities
$107,839Insider loans
$67,781FHLB advances
$108,359Loans and leases held for sale
$2,453Unused loan commitments
$1,665Tier 1 (core) risk-based capital
$10,686Tier 2 risk-based capital
$0Total risk weighted assets
$788Total unused commitments
$6,097Restructured Loans and leases
$665Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,135Total interest income
$536Total interest expense
$3,599Net interest income
$335Provision for loan and lease losses
$1,149Total noninterest income
$235Fiduciary activities
$210Service charges on deposit accounts
$0Trading account gains & fees
$704Additional noninterest income
$3,959Total noninterest expense
$2,046Salaries and employee benefits
$569Premises and equipment expense
$1,344Additional noninterest expense
$454Pre-tax net operating income
$0Securities gains (losses)
$179Applicable income taxes
$275Income before extraordinary items
$0Extraordinary gains - net
$275Net income attributable to bank
$0Net charge-offs
$275Cash dividends
$597Sale, conversion, retirement of capital stock, net
$40Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
0.58%Cost of funding earning assets
3.91%Net interest margin
1.25%Noninterest income to earning assets
4.30%Noninterest expense to earning assets
0.25%Net operating income to assets
0.25%Return on assets (ROA)
0.42%Pretax return on assets
2.43%Return on equity (ROE)
2.08%Retained earnings to average equity (YTD only)
1.05%Net charge-offs to loans
56.11%Credit loss provision to net charge-offs
1.32%Efficiency ratio
82,498Assets per employee
2.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
14.55%Loss allowance to loans
1.54%Loss allowance to noncurrent loans
166.27%Noncurrent assets plus other real estate owned to assets
4.33%Noncurrent loans to loans
0.92%Net loans and leases to deposits
56.32%Net loans and leases to core deposits
58.70%Equity capital to assets
10.82%Core capital (leverage) ratio
9.86%Tier 1 risk-based capital ratio
15.77%Total risk-based capital ratio
Memoranda
$17Average assets
$108,175Average earning assets
$11,311Average equity
$92,059Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$29,248Managed Assets
1Number of Accounts
$28,394Personal trust and agency accounts
$11,036Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$9,144Corporate trust and agency accounts
$0Investment management agency accounts
$4,552Other fiduciary accounts
$3,662Fiduciary accounts held in foreign offices
$0Non-managed Assets
396Number of Accounts
$0Personal trust and agency accounts
$9,144Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$854Other retirement accounts
$27Corporate trust and agency accounts
$0Other fiduciary accounts
$355Fiduciary accounts held in foreign offices

List of branches

4 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1621	Badger Bank	220 Grant Street, Fort Atkinson, WI 53538	January 07, 1884	Full Service Brick and Mortar
2	6652	Cambridge	102 West Main Street, Cambridge, WI 53523	January 01, 1899	Full Service Brick and Mortar
3	439688	Johnson Creek Branch	545 Village Walk Lane, Johnson Creek, WI 53038	April 05, 2005	Full Service Brick and Mortar
4	465784	Jefferson Branch	1003 South Main Street, Jefferson, WI 53549	July 16, 2007	Full Service Brick and Mortar

Badger Bank in Fort Atkinson, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Badger Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Badger Bank in Fort Atkinson, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

Badger Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Badger Bank in Fort Atkinson, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches