FDIC Certificate #: 6184 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Lincoln State Bank (#13028) Federal Reserve ID: 668745 Date Established: January 01, 1907 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 10186 FDIC's unique #: 4168 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: November 12, 2007 Last Structure Change Process Date: December 03, 2007 Last Data Update: December 03, 2007 Data Source Date: April 05, 2012
Location
Address: 101 Falls Road, Grafton, WI 53024 County: Ozaukee 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): Milwaukee-Waukesha, WI (#5080) Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63) Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376) Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340) CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
Financial Summary
Total assets: $179.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
59Total employees (full-time equivalent)
$183,823Total assets
$5,894Cash and due from depository institutions
$53Interest-bearing balances
$23,672Securities
$0Federal funds sold & reverse repurchase agreements
$145,938Net loans & leases
$1,915Loan loss allowance
$0Trading account assets
$1,187Bank premises and fixed assets
$184Other real estate owned
$0Goodwill and other intangibles
$1,989Life insurance assets
$6,948All other assets
$183,822Total liabilities and capital
$169,584Total liabilities
$148,893Total deposits
$125,637Interest-bearing deposits
$148,893Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$18,496Other borrowed funds
$0Subordinated debt
$2,195All other liabilities
$14,238Total equity capital
$14,238Total bank equity capital
$14,238Perpetual preferred stock
$0Common stock
$1,000Surplus
$4,113Undivided profits
Memoranda
$9,125Noncurrent loans and leases
$25,415Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$5,178Earning assets
$0Long-term assets (5+ years)
$968Average Assets, year-to-date
$169,663Average Assets, quarterly
$15,239Volatile liabilities
$190,859Insider loans
$184,790FHLB advances
$34,764Loans and leases held for sale
$3,933Unused loan commitments
$18,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$25,415Total unused commitments
$0Restructured Loans and leases
$1,840Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$11,941Total interest income
$5,113Total interest expense
$6,828Net interest income
$1,500Provision for loan and lease losses
$1,533Total noninterest income
$0Fiduciary activities
$746Service charges on deposit accounts
$0Trading account gains & fees
$787Additional noninterest income
$5,088Total noninterest expense
$2,692Salaries and employee benefits
$746Premises and equipment expense
$1,650Additional noninterest expense
$1,773Pre-tax net operating income
$0Securities gains (losses)
$510Applicable income taxes
$1,263Income before extraordinary items
$0Extraordinary gains - net
$1,263Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$780Sale, conversion, retirement of capital stock, net
$2,413Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.74%Yield on earning assets
2.89%Cost of funding earning assets
3.85%Net interest margin
0.87%Noninterest income to earning assets
2.87%Noninterest expense to earning assets
0.66%Net operating income to assets
0.66%Return on assets (ROA)
0.93%Pretax return on assets
8.64%Return on equity (ROE)
-7.87%Retained earnings to average equity (YTD only)
0.51%Net charge-offs to loans
192.31%Credit loss provision to net charge-offs
4.20%Efficiency ratio
60,854Assets per employee
3.12%Cash dividends to net income (YTD only)
Condition Ratios (%)
191.05%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
36.98%Noncurrent assets plus other real estate owned to assets
2.92%Noncurrent loans to loans
3.50%Net loans and leases to deposits
98.02%Net loans and leases to core deposits
127.67%Equity capital to assets
7.75%Core capital (leverage) ratio
7.77%Tier 1 risk-based capital ratio
9.79%Total risk-based capital ratio
Memoranda
$11Average assets
$190,859Average earning assets
$14,613Average equity
$177,125Average loans
Total Fiduciary and Related Assets (December 31, 2003)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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