FDIC Certificate #: 6198 Status: Active Federal Reserve ID: 681249 Bank Holding Company (Regulatory Top Holder): Southwestern Wisconsin Bancshares, Inc. (RSSDID: 1881699, Location: Highland, WI) Date Established: June 01, 1903 WWW:http://www.highlandstatebank.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 4179 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 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: 541 North Main Street, Highland, WI 53543 County: Iowa 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 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: $29.0 mil Equity capital: $2.6 mil Deposits held in domestic offices: $25.7 mil Return on assets (ROA): 0.78% ($0.2 mil) Quarterly return on assets: 0.64% ($0.2 mil) Return on Equity (ROE): 8.61% ($0.3 mil) Quarterly return on equity: 7.00% ($0.2 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.78% ($226.2 mil) Quarterly Pretax return on assets: 0.64% ($185.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$28,994Total assets
$6,288Cash and due from depository institutions
$4,432Interest-bearing balances
$1,277Securities
$0Federal funds sold & reverse repurchase agreements
$20,225Net loans & leases
$326Loan loss allowance
$0Trading account assets
$109Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$28,994Life insurance assets
$1,095All other assets
$26,399Total liabilities and capital
$25,716Total liabilities
$20,874Total deposits
$25,716Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$683Subordinated debt
$2,595All other liabilities
$2,595Total equity capital
$2,595Total bank equity capital
$0Perpetual preferred stock
$70Common stock
$720Surplus
$1,805Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$423Income earned, not collected on loans
$0Earning assets
$68Long-term assets (5+ years)
$25,934Average Assets, year-to-date
$551Average Assets, quarterly
$27,800Volatile liabilities
$28,207Insider loans
$17,369FHLB advances
$27,954Loans and leases held for sale
$787Unused loan commitments
$787Tier 1 (core) risk-based capital
$2,593Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$538Restructured Loans and leases
$113Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,202Total interest income
$226Total interest expense
$976Net interest income
$53Provision for loan and lease losses
$146Total noninterest income
$0Fiduciary activities
$78Service charges on deposit accounts
$0Trading account gains & fees
$68Additional noninterest income
$851Total noninterest expense
$589Salaries and employee benefits
$46Premises and equipment expense
$216Additional noninterest expense
$218Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$218Income before extraordinary items
$0Extraordinary gains - net
$218Net income attributable to bank
$0Net charge-offs
$218Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$126Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.78%Yield on earning assets
0.90%Cost of funding earning assets
3.88%Net interest margin
0.58%Noninterest income to earning assets
3.38%Noninterest expense to earning assets
0.78%Net operating income to assets
0.78%Return on assets (ROA)
0.78%Pretax return on assets
8.61%Return on equity (ROE)
3.64%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-1766.67%Credit loss provision to net charge-offs
0.00%Efficiency ratio
75,847Assets per employee
3.62%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.80%Loss allowance to loans
1.59%Loss allowance to noncurrent loans
77.07%Noncurrent assets plus other real estate owned to assets
1.46%Noncurrent loans to loans
2.06%Net loans and leases to deposits
78.65%Net loans and leases to core deposits
79.42%Equity capital to assets
8.95%Core capital (leverage) ratio
9.28%Tier 1 risk-based capital ratio
14.93%Total risk-based capital ratio
Memoranda
$16Average assets
$27,800Average earning assets
$2,531Average equity
$25,161Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4179
Highland State Bank
541 North Main Street, Highland, WI 53543
June 01, 1903
Full Service Brick and Mortar
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