Dairyman's State Bank in Clintonville, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 12, 2008

Dairyman's State Bank in Clintonville, Wisconsin (WI)
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Dairyman's State Bank - Overview

General
FDIC Certificate #: 13052
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank (#15149)
Federal Reserve ID: 461245
Date Established: March 09, 1920
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 8250
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 12, 2008
Last Structure Change Process Date: January 22, 2008
Last Data Update: January 22, 2008
Data Source Date: April 05, 2012
Location
Address: 135 South Main Street, Clintonville, WI 54929
County: Waupaca
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Appleton
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $109.7 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, 2007)

Dollar figures in thousands
32Total employees (full-time equivalent)
$109,740Total assets
$3,971Cash and due from depository institutions
$0Interest-bearing balances
$36,996Securities
$0Federal funds sold & reverse repurchase agreements
$61,038Net loans & leases
$500Loan loss allowance
$0Trading account assets
$1,226Bank premises and fixed assets
$502Other real estate owned
$1,209Goodwill and other intangibles
$2,474Life insurance assets
$4,798All other assets
$109,740Total liabilities and capital
$98,752Total liabilities
$84,599Total deposits
$69,839Interest-bearing deposits
$84,599Deposits held in domestic offices
0.00%% insured (estimated)
$2,113Federal funds purchased & repurchase agreements
$0Trading liabilities
$10,800Other borrowed funds
$0Subordinated debt
$1,240All other liabilities
$10,988Total equity capital
$10,988Total bank equity capital
$10,988Perpetual preferred stock
$0Common stock
$480Surplus
$7,170Undivided profits
Memoranda
$3,338Noncurrent loans and leases
$4,280Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$212Earning assets
$0Long-term assets (5+ years)
$619Average Assets, year-to-date
$98,034Average Assets, quarterly
$22,387Volatile liabilities
$106,270Insider loans
$108,183FHLB advances
$16,417Loans and leases held for sale
$613Unused loan commitments
$10,800Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$159Total risk weighted assets
$4,280Total unused commitments
$0Restructured Loans and leases
$500Derivatives

Income and Expense (December 31, 2007)

Dollar figures in thousands
$5,939Total interest income
$2,795Total interest expense
$3,144Net interest income
$80Provision for loan and lease losses
$544Total noninterest income
$0Fiduciary activities
$269Service charges on deposit accounts
$0Trading account gains & fees
$275Additional noninterest income
$2,846Total noninterest expense
$1,637Salaries and employee benefits
$400Premises and equipment expense
$809Additional noninterest expense
$762Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
$754Income before extraordinary items
$0Extraordinary gains - net
$754Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$114Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2007)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.20%Yield on earning assets
2.92%Cost of funding earning assets
3.28%Net interest margin
0.57%Noninterest income to earning assets
2.97%Noninterest expense to earning assets
0.71%Net operating income to assets
0.71%Return on assets (ROA)
0.72%Pretax return on assets
7.38%Return on equity (ROE)
7.38%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
70.18%Credit loss provision to net charge-offs
7.39%Efficiency ratio
74,539Assets per employee
3.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
235.85%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
0.34%Net loans and leases to deposits
72.15%Net loans and leases to core deposits
80.21%Equity capital to assets
10.01%Core capital (leverage) ratio
9.42%Tier 1 risk-based capital ratio
12.88%Total risk-based capital ratio
Memoranda
$14Average assets
$106,270Average earning assets
$10,212Average equity
$95,865Average loans

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