FDIC Certificate #: 15134 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:State Bank of Cross Plains (#15091) Federal Reserve ID: 4147 Date Established: Febuary 01, 1904 WWW:http://www.inbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 12785 FDIC's unique #: 9506 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 02, 1934 Last Structure Change Effective Date: December 04, 2006 Last Structure Change Process Date: January 23, 2007 Last Data Update: January 23, 2007 Data Source Date: April 05, 2012
Location
Address: 108 North Main Street, Verona, WI 53593 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)
Financial Summary
Total assets: $115.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
32Total employees (full-time equivalent)
$113,206Total assets
$3,071Cash and due from depository institutions
$1,096Interest-bearing balances
$22,945Securities
$3,072Federal funds sold & reverse repurchase agreements
$72,363Net loans & leases
$722Loan loss allowance
$0Trading account assets
$3,816Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$7,939All other assets
$113,206Total liabilities and capital
$100,210Total liabilities
$86,504Total deposits
$70,942Interest-bearing deposits
$86,504Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$12,500Other borrowed funds
$0Subordinated debt
$1,206All other liabilities
$12,996Total equity capital
$12,996Total bank equity capital
$12,996Perpetual preferred stock
$0Common stock
$1,950Surplus
$2,230Undivided profits
Memoranda
$8,816Noncurrent loans and leases
$12,298Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$949Earning assets
$0Long-term assets (5+ years)
$428Average Assets, year-to-date
$99,476Average Assets, quarterly
$8,971Volatile liabilities
$112,684Insider loans
$113,994FHLB advances
$8,784Loans and leases held for sale
$4,214Unused loan commitments
$12,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$12,298Total unused commitments
$0Restructured Loans and leases
$722Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$5,421Total interest income
$1,688Total interest expense
$3,733Net interest income
$300Provision for loan and lease losses
$807Total noninterest income
$1Fiduciary activities
$144Service charges on deposit accounts
$0Trading account gains & fees
$662Additional noninterest income
$3,391Total noninterest expense
$1,945Salaries and employee benefits
$474Premises and equipment expense
$972Additional noninterest expense
$849Pre-tax net operating income
$0Securities gains (losses)
$66Applicable income taxes
$783Income before extraordinary items
$0Extraordinary gains - net
$783Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$11Sale, conversion, retirement of capital stock, net
$331Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.48%Yield on earning assets
1.71%Cost of funding earning assets
3.77%Net interest margin
0.82%Noninterest income to earning assets
3.43%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
0.75%Pretax return on assets
6.03%Return on equity (ROE)
3.48%Retained earnings to average equity (YTD only)
-0.02%Net charge-offs to loans
-2727.27%Credit loss provision to net charge-offs
0.00%Efficiency ratio
74,692Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.27%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
76.08%Noncurrent assets plus other real estate owned to assets
0.84%Noncurrent loans to loans
1.30%Net loans and leases to deposits
83.65%Net loans and leases to core deposits
91.34%Equity capital to assets
11.48%Core capital (leverage) ratio
11.30%Tier 1 risk-based capital ratio
16.67%Total risk-based capital ratio
Memoranda
$18Average assets
$112,684Average earning assets
$12,992Average equity
$98,935Average loans
Total Fiduciary and Related Assets (December 31, 2002)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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