FDIC Certificate #: 34295 Status: Active Federal Reserve ID: 2524797 Bank Holding Company (Regulatory Top Holder): County Bancorp, Inc. (RSSDID: 2524788, Location: Manitowoc, WI) Date Established: March 17, 1997 WWW:http://www.investorscommunitybank.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) FDIC's unique #: 57054 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: March 17, 1997 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: 860 North Rapids Road, Manitowoc, WI 54220 County: Manitowoc 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 Core Based Statistical Area (CBSA): Manitowoc, WI (#31820) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $677.8 mil Equity capital: $84.8 mil Deposits held in domestic offices: $550.4 mil Return on assets (ROA): 0.97% ($6.6 mil) Quarterly return on assets: 1.17% ($7.9 mil) Return on Equity (ROE): 8.96% ($7.6 mil) Quarterly return on equity: 9.52% ($8.1 mil) Net income: $6.6 mil Quarterly Net income: $2.0 mil Pretax return on assets: 1.54% ($10,437.7 mil) Quarterly Pretax return on assets: 1.86% ($12,606.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
77Total employees (full-time equivalent)
$677,771Total assets
$28,032Cash and due from depository institutions
$23,630Interest-bearing balances
$48,570Securities
$0Federal funds sold & reverse repurchase agreements
$568,823Net loans & leases
$9,090Loan loss allowance
$0Trading account assets
$3,116Bank premises and fixed assets
$6,543Other real estate owned
$5,024Goodwill and other intangibles
$677,771Life insurance assets
$17,663All other assets
$592,961Total liabilities and capital
$550,415Total liabilities
$504,821Total deposits
$550,415Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$37,565Trading liabilities
$0Other borrowed funds
$4,981Subordinated debt
$84,810All other liabilities
$84,810Total equity capital
$84,810Total bank equity capital
$0Perpetual preferred stock
$4,132Common stock
$46,374Surplus
$34,304Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,852Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$24,864Income earned, not collected on loans
$2,874Earning assets
$1,644Long-term assets (5+ years)
$641,023Average Assets, year-to-date
$51,026Average Assets, quarterly
$678,837Volatile liabilities
$680,963Insider loans
$589,401FHLB advances
$678,517Loans and leases held for sale
$10,413Unused loan commitments
$6,761Tier 1 (core) risk-based capital
$83,411Tier 2 risk-based capital
$0Total risk weighted assets
$3,652Total unused commitments
$90,347Restructured Loans and leases
$6,631Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$33,745Total interest income
$11,563Total interest expense
$22,182Net interest income
$4,475Provision for loan and lease losses
$5,435Total noninterest income
$0Fiduciary activities
$225Service charges on deposit accounts
$0Trading account gains & fees
$5,210Additional noninterest income
$12,710Total noninterest expense
$7,582Salaries and employee benefits
$854Premises and equipment expense
$4,274Additional noninterest expense
$10,432Pre-tax net operating income
$0Securities gains (losses)
$3,827Applicable income taxes
$6,605Income before extraordinary items
$0Extraordinary gains - net
$6,605Net income attributable to bank
$0Net charge-offs
$6,605Cash dividends
$8,630Sale, conversion, retirement of capital stock, net
$1,200Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.23%Yield on earning assets
1.79%Cost of funding earning assets
3.44%Net interest margin
0.84%Noninterest income to earning assets
1.97%Noninterest expense to earning assets
0.97%Net operating income to assets
0.97%Return on assets (ROA)
1.54%Pretax return on assets
8.96%Return on equity (ROE)
7.33%Retained earnings to average equity (YTD only)
1.48%Net charge-offs to loans
51.85%Credit loss provision to net charge-offs
1.73%Efficiency ratio
46,022Assets per employee
8.80%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.17%Loss allowance to loans
1.57%Loss allowance to noncurrent loans
36.56%Noncurrent assets plus other real estate owned to assets
4.63%Noncurrent loans to loans
4.30%Net loans and leases to deposits
103.34%Net loans and leases to core deposits
167.37%Equity capital to assets
12.51%Core capital (leverage) ratio
12.29%Tier 1 risk-based capital ratio
14.15%Total risk-based capital ratio
Memoranda
$15Average assets
$678,837Average earning assets
$73,733Average equity
$645,582Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57054
Investors Community Bank
860 North Rapids Road, Manitowoc, WI 54220
March 17, 1997
Full Service Brick and Mortar
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