FDIC Certificate #: 15186 Status: Active Federal Reserve ID: 926342 Bank Holding Company (Regulatory Top Holder): Gresham Bancshares, Inc. (RSSDID: 1208830, Location: Gresham, WI) Date Established: October 23, 1908 WWW:http://www.statebank.biz 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 #: 9550 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: 801 S. Main St, Gresham, WI 54128 County: Shawano 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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $23.1 mil Equity capital: $6.0 mil Deposits held in domestic offices: $17.0 mil Return on assets (ROA): 1.16% ($0.3 mil) Quarterly return on assets: 0.90% ($0.2 mil) Return on Equity (ROE): 4.40% ($0.3 mil) Quarterly return on equity: 3.45% ($0.2 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.17% ($270.6 mil) Quarterly Pretax return on assets: 0.90% ($208.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$23,130Total assets
$11,983Cash and due from depository institutions
$7,609Interest-bearing balances
$1,134Securities
$0Federal funds sold & reverse repurchase agreements
$9,808Net loans & leases
$125Loan loss allowance
$0Trading account assets
$60Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$23,130Life insurance assets
$145All other assets
$17,114Total liabilities and capital
$17,042Total liabilities
$13,062Total deposits
$17,042Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$72Subordinated debt
$6,016All other liabilities
$6,016Total equity capital
$6,016Total bank equity capital
$0Perpetual preferred stock
$60Common stock
$1,440Surplus
$4,516Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$62Long-term assets (5+ years)
$18,551Average Assets, year-to-date
$998Average Assets, quarterly
$23,082Volatile liabilities
$23,045Insider loans
$10,190FHLB advances
$22,337Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,997Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$13Restructured Loans and leases
$6Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$723Total interest income
$51Total interest expense
$672Net interest income
$0Provision for loan and lease losses
$91Total noninterest income
$0Fiduciary activities
$39Service charges on deposit accounts
$0Trading account gains & fees
$52Additional noninterest income
$493Total noninterest expense
$329Salaries and employee benefits
$43Premises and equipment expense
$121Additional noninterest expense
$270Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
$268Income before extraordinary items
$0Extraordinary gains - net
$268Net income attributable to bank
$0Net charge-offs
$268Cash dividends
$59Sale, conversion, retirement of capital stock, net
$325Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.92%Yield on earning assets
0.28%Cost of funding earning assets
3.64%Net interest margin
0.49%Noninterest income to earning assets
2.67%Noninterest expense to earning assets
1.16%Net operating income to assets
1.16%Return on assets (ROA)
1.17%Pretax return on assets
4.40%Return on equity (ROE)
-0.94%Retained earnings to average equity (YTD only)
0.59%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
4.58%Efficiency ratio
64,613Assets per employee
3.86%Cash dividends to net income (YTD only)
Condition Ratios (%)
121.27%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
57.55%Net loans and leases to core deposits
58.58%Equity capital to assets
26.01%Core capital (leverage) ratio
26.85%Tier 1 risk-based capital ratio
58.85%Total risk-based capital ratio
Memoranda
$60Average assets
$23,082Average earning assets
$6,094Average equity
$18,455Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9550
State Bank
801 S. Main St, Gresham, WI 54128
October 23, 1908
Full Service Brick and Mortar
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