FDIC Certificate #: 30426 Status: Active Federal Reserve ID: 276775 Date Established: January 01, 1904 WWW:http://www.miltonsavingsbank.net Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 5319 FDIC's unique #: 43260 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: 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: All Other Specialization < 1 Billion Date of Deposit Insurance: July 30, 1956 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: 110 Parkview Drive, Milton, WI 53563 County: Rock 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): Janesville-Beloit, WI (#3620) Core Based Statistical Area (CBSA): Janesville, WI (#27500) CBSA Metro Statistical Area: Janesville, WI (#27500)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $15.8 mil Equity capital: $1.2 mil Deposits held in domestic offices: $14.5 mil Return on assets (ROA): -0.36% (-$0.1 mil) Quarterly return on assets: -0.61% (-$0.1 mil) Return on Equity (ROE): -4.83% (-$0.0 mil) Quarterly return on equity: -8.14% (-$0.1 mil) Net income: -$0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -0.36% (-$56.7 mil) Quarterly Pretax return on assets: -0.61% (-$96.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
7Total employees (full-time equivalent)
$15,752Total assets
$750Cash and due from depository institutions
$345Interest-bearing balances
$1,600Securities
$2,214Federal funds sold & reverse repurchase agreements
$10,094Net loans & leases
$109Loan loss allowance
$0Trading account assets
$169Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$15,752Life insurance assets
$925All other assets
$14,584Total liabilities and capital
$14,525Total liabilities
$14,050Total deposits
$14,525Interest-bearing deposits
$100Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$59Subordinated debt
$1,168All other liabilities
$1,168Total equity capital
$1,168Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$1,168Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$178Income earned, not collected on loans
$0Earning assets
$43Long-term assets (5+ years)
$14,253Average Assets, year-to-date
$4,025Average Assets, quarterly
$15,967Volatile liabilities
$15,755Insider loans
$8,879FHLB advances
$15,661Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$1,066Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$194Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$720Total interest income
$109Total interest expense
$611Net interest income
$5Provision for loan and lease losses
$72Total noninterest income
$0Fiduciary activities
$53Service charges on deposit accounts
$0Trading account gains & fees
$19Additional noninterest income
$736Total noninterest expense
$370Salaries and employee benefits
$77Premises and equipment expense
$289Additional noninterest expense
-$58Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$58Income before extraordinary items
$0Extraordinary gains - net
-$58Net income attributable to bank
$0Net charge-offs
-$58Cash dividends
$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.04%Yield on earning assets
0.76%Cost of funding earning assets
4.27%Net interest margin
0.50%Noninterest income to earning assets
5.15%Noninterest expense to earning assets
-0.36%Net operating income to assets
-0.36%Return on assets (ROA)
-0.36%Pretax return on assets
-4.83%Return on equity (ROE)
-4.83%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
166.67%Credit loss provision to net charge-offs
-17.67%Efficiency ratio
107,760Assets per employee
2.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
61.24%Noncurrent assets plus other real estate owned to assets
1.13%Noncurrent loans to loans
1.74%Net loans and leases to deposits
69.49%Net loans and leases to core deposits
69.49%Equity capital to assets
7.41%Core capital (leverage) ratio
6.81%Tier 1 risk-based capital ratio
12.01%Total risk-based capital ratio
Memoranda
$13Average assets
$15,967Average earning assets
$1,201Average equity
$14,293Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43260
Milton Savings Bank
110 Parkview Drive, Milton, WI 53563
January 01, 1904
Full Service Brick and Mortar
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