Lincoln Community Bank in city_name, state_name - Detailed Financial Reports, Location

Lincoln Community Bank in Merrill, Wisconsin (WI)
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Lincoln Community Bank routing number info

Lincoln Community Bank - Overview

General
FDIC Certificate #: 9042
Status: Active
Federal Reserve ID: 14052
Bank Holding Company (Regulatory Top Holder): United Citizens 401(K) Savings Plan (RSSDID: 3682537, Location: Osseo, WI)
Date Established: January 01, 1897
WWW: http://www.lcbwi.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 5781
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: January 10, 2012
Last Structure Change Process Date: January 10, 2012
Last Data Update: January 10, 2012
Data Source Date: April 05, 2012
Location
Address: 1400 East Main Street, Merrill, WI 54452
County: Lincoln
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
Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
Core Based Statistical Area (CBSA): Merrill, WI (#32980)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $62.0 mil
Equity capital: $6.6 mil
Deposits held in domestic offices: $54.3 mil
Return on assets (ROA): 0.34% ($0.2 mil)
Quarterly return on assets: 0.82% ($0.5 mil)
Return on Equity (ROE): 3.23% ($0.2 mil)
Quarterly return on equity: 7.58% ($0.5 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.33% ($204.8 mil)
Quarterly Pretax return on assets: 1.11% ($688.8 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
19Total employees (full-time equivalent)
$62,050Total assets
$10,031Cash and due from depository institutions
$8,473Interest-bearing balances
$12,409Securities
$490Federal funds sold & reverse repurchase agreements
$34,762Net loans & leases
$949Loan loss allowance
$0Trading account assets
$1,683Bank premises and fixed assets
$315Other real estate owned
$0Goodwill and other intangibles
$62,050Life insurance assets
$2,360All other assets
$55,412Total liabilities and capital
$54,326Total liabilities
$42,635Total deposits
$54,326Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$86Subordinated debt
$6,638All other liabilities
$6,638Total equity capital
$6,638Total bank equity capital
$0Perpetual preferred stock
$1,000Common stock
$1,500Surplus
$4,138Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,859Income earned, not collected on loans
$0Earning assets
$224Long-term assets (5+ years)
$56,134Average Assets, year-to-date
$9,698Average Assets, quarterly
$62,868Volatile liabilities
$61,319Insider loans
$37,965FHLB advances
$60,842Loans and leases held for sale
$1,363Unused loan commitments
$1,025Tier 1 (core) risk-based capital
$6,378Tier 2 risk-based capital
$338Total risk weighted assets
$0Total unused commitments
$2,137Restructured Loans and leases
$1,011Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,463Total interest income
$375Total interest expense
$2,088Net interest income
$168Provision for loan and lease losses
$268Total noninterest income
$0Fiduciary activities
$183Service charges on deposit accounts
$0Trading account gains & fees
$85Additional noninterest income
$2,056Total noninterest expense
$842Salaries and employee benefits
$352Premises and equipment expense
$862Additional noninterest expense
$132Pre-tax net operating income
$76Securities gains (losses)
-$3Applicable income taxes
$211Income before extraordinary items
$0Extraordinary gains - net
$211Net income attributable to bank
$0Net charge-offs
$211Cash dividends
$270Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
0.65%Cost of funding earning assets
3.62%Net interest margin
0.46%Noninterest income to earning assets
3.57%Noninterest expense to earning assets
0.21%Net operating income to assets
0.34%Return on assets (ROA)
0.33%Pretax return on assets
3.23%Return on equity (ROE)
3.23%Retained earnings to average equity (YTD only)
0.72%Net charge-offs to loans
62.22%Credit loss provision to net charge-offs
1.11%Efficiency ratio
87,267Assets per employee
3.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.66%Loss allowance to noncurrent loans
33.19%Noncurrent assets plus other real estate owned to assets
5.12%Noncurrent loans to loans
8.01%Net loans and leases to deposits
63.99%Net loans and leases to core deposits
67.62%Equity capital to assets
10.70%Core capital (leverage) ratio
10.48%Tier 1 risk-based capital ratio
16.80%Total risk-based capital ratio
Memoranda
$18Average assets
$62,868Average earning assets
$6,527Average equity
$57,652Average loans

List of branches

3 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5781	Lincoln Community Bank	1400 East Main Street, Merrill, WI 54452	January 01, 1897	Full Service Brick and Mortar
1	219325	Gleason Branch	North 5349 Highway 17, Gleason, WI 54435	April 27, 1971	Limited Service Facility
2	219326	West Branch	319 W Main St, Merrill, WI 54452	January 17, 1977	Limited Service Facility

Lincoln Community Bank in Merrill, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Lincoln Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Lincoln Community Bank in Merrill, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

Lincoln Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Lincoln Community Bank in Merrill, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches