FDIC Certificate #: 14823 Status: Active Federal Reserve ID: 43744 Bank Holding Company (Regulatory Top Holder): John T. Vucurevich Foundation (RSSDID: 3613504, Location: Rapid City, SD) Date Established: January 01, 1892 WWW:http://www.cambridgebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13954 FDIC's unique #: 9277 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: October 23, 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: 221 West Main Street, Cambridge, WI 53523 County: Dane Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Madison Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Madison, WI (#4720) Combined Statistical Area (CSA): Madison-Baraboo, WI (#358) Core Based Statistical Area (CBSA): Madison, WI (#31540) CBSA Metro Statistical Area: Madison, WI (#31540)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $81.6 mil Equity capital: $11.2 mil Deposits held in domestic offices: $60.7 mil Return on assets (ROA): -0.28% (-$0.2 mil) Quarterly return on assets: 0.87% ($0.7 mil) Return on Equity (ROE): -2.05% (-$0.2 mil) Quarterly return on equity: 6.22% ($0.7 mil) Net income: -$0.2 mil Quarterly Net income: $0.2 mil Pretax return on assets: -0.52% (-$424.4 mil) Quarterly Pretax return on assets: -0.11% (-$89.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$81,621Total assets
$12,111Cash and due from depository institutions
$10,497Interest-bearing balances
$18,246Securities
$0Federal funds sold & reverse repurchase agreements
$43,417Net loans & leases
$5,874Loan loss allowance
$0Trading account assets
$978Bank premises and fixed assets
$882Other real estate owned
$0Goodwill and other intangibles
$81,621Life insurance assets
$5,987All other assets
$70,419Total liabilities and capital
$60,706Total liabilities
$54,592Total deposits
$60,706Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,500Trading liabilities
$0Other borrowed funds
$213Subordinated debt
$11,202All other liabilities
$11,202Total equity capital
$11,202Total bank equity capital
$0Perpetual preferred stock
$1,100Common stock
$12,725Surplus
$-2,623Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$8,623Income earned, not collected on loans
$0Earning assets
$262Long-term assets (5+ years)
$72,160Average Assets, year-to-date
$2,516Average Assets, quarterly
$83,022Volatile liabilities
$79,827Insider loans
$61,872FHLB advances
$76,370Loans and leases held for sale
$1,875Unused loan commitments
$1,409Tier 1 (core) risk-based capital
$8,589Tier 2 risk-based capital
$466Total risk weighted assets
$0Total unused commitments
$3,137Restructured Loans and leases
$412Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,028Total interest income
$1,174Total interest expense
$1,854Net interest income
$0Provision for loan and lease losses
$440Total noninterest income
$0Fiduciary activities
$132Service charges on deposit accounts
$0Trading account gains & fees
$308Additional noninterest income
$2,725Total noninterest expense
$1,093Salaries and employee benefits
$166Premises and equipment expense
$1,466Additional noninterest expense
-$431Pre-tax net operating income
$0Securities gains (losses)
-$200Applicable income taxes
-$231Income before extraordinary items
$0Extraordinary gains - net
-$231Net income attributable to bank
$0Net charge-offs
-$231Cash dividends
$432Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
1.60%Cost of funding earning assets
2.53%Net interest margin
0.60%Noninterest income to earning assets
3.72%Noninterest expense to earning assets
-0.28%Net operating income to assets
-0.28%Return on assets (ROA)
-0.52%Pretax return on assets
-2.05%Return on equity (ROE)
-2.05%Retained earnings to average equity (YTD only)
0.78%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
-1.00%Efficiency ratio
118,788Assets per employee
5.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
11.92%Loss allowance to noncurrent loans
68.12%Noncurrent assets plus other real estate owned to assets
11.65%Noncurrent loans to loans
17.49%Net loans and leases to deposits
71.52%Net loans and leases to core deposits
80.10%Equity capital to assets
13.72%Core capital (leverage) ratio
11.25%Tier 1 risk-based capital ratio
13.88%Total risk-based capital ratio
Memoranda
$15Average assets
$83,022Average earning assets
$11,269Average equity
$73,202Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9277
Cambridge State Bank
221 West Main Street, Cambridge, WI 53523
January 01, 1892
Full Service Brick and Mortar
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