State Bank of Cazenovia in city_name, state_name - Detailed Financial Reports, Location

State Bank of Cazenovia in Cazenovia, Wisconsin (WI)
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State Bank of Cazenovia routing number info

State Bank of Cazenovia - Overview

General
FDIC Certificate #: 15123
Status: Active
Federal Reserve ID: 459448
Date Established: November 21, 1906
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 9495
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: 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: 110 E Main St, Cazenovia, WI 53924
County: Richland
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
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $34.8 mil
Equity capital: $5.8 mil
Deposits held in domestic offices: $28.9 mil
Return on assets (ROA): 0.38% ($0.1 mil)
Quarterly return on assets: 0.19% ($0.1 mil)
Return on Equity (ROE): 2.22% ($0.1 mil)
Quarterly return on equity: 1.09% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.40% ($139.1 mil)
Quarterly Pretax return on assets: -0.20% (-$69.6 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
12Total employees (full-time equivalent)
$34,780Total assets
$5,061Cash and due from depository institutions
$2,712Interest-bearing balances
$5,664Securities
$3,646Federal funds sold & reverse repurchase agreements
$19,772Net loans & leases
$420Loan loss allowance
$0Trading account assets
$349Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$34,780Life insurance assets
$288All other assets
$28,936Total liabilities and capital
$28,870Total liabilities
$23,669Total deposits
$28,870Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$66Subordinated debt
$5,844All other liabilities
$5,844Total equity capital
$5,844Total bank equity capital
$0Perpetual preferred stock
$240Common stock
$3,260Surplus
$2,344Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$407Income earned, not collected on loans
$0Earning assets
$133Long-term assets (5+ years)
$31,794Average Assets, year-to-date
$1,127Average Assets, quarterly
$34,246Volatile liabilities
$34,307Insider loans
$18,874FHLB advances
$34,243Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,844Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,087Restructured Loans and leases
$833Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,356Total interest income
$171Total interest expense
$1,185Net interest income
$16Provision for loan and lease losses
$77Total noninterest income
$0Fiduciary activities
$66Service charges on deposit accounts
$0Trading account gains & fees
$11Additional noninterest income
$1,109Total noninterest expense
$650Salaries and employee benefits
$140Premises and equipment expense
$319Additional noninterest expense
$137Pre-tax net operating income
$0Securities gains (losses)
$8Applicable income taxes
$129Income before extraordinary items
$0Extraordinary gains - net
$129Net income attributable to bank
$0Net charge-offs
$129Cash dividends
$2Sale, conversion, retirement of capital stock, net
$19Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.32%Yield on earning assets
0.54%Cost of funding earning assets
3.77%Net interest margin
0.25%Noninterest income to earning assets
3.53%Noninterest expense to earning assets
0.38%Net operating income to assets
0.38%Return on assets (ROA)
0.40%Pretax return on assets
2.22%Return on equity (ROE)
1.90%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
800.00%Credit loss provision to net charge-offs
76.50%Efficiency ratio
87,876Assets per employee
2.90%Cash dividends to net income (YTD only)
Condition Ratios (%)
14.73%Loss allowance to loans
2.08%Loss allowance to noncurrent loans
103.19%Noncurrent assets plus other real estate owned to assets
1.17%Noncurrent loans to loans
2.02%Net loans and leases to deposits
68.49%Net loans and leases to core deposits
68.49%Equity capital to assets
16.80%Core capital (leverage) ratio
17.07%Tier 1 risk-based capital ratio
30.96%Total risk-based capital ratio
Memoranda
$32Average assets
$34,246Average earning assets
$5,802Average equity
$31,406Average loans

List of branches

2 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	9495	State Bank Of Cazenovia	110 E Main St, Cazenovia, WI 53924	November 21, 1906	Full Service Brick and Mortar
1	233271	La Valle Branch	133 Main Street, La Valle, WI 53941	April 16, 1934	Full Service Brick and Mortar

State Bank of Cazenovia in Cazenovia, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Cazenovia - 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:

State Bank of Cazenovia in Cazenovia, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Cazenovia - 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:

State Bank of Cazenovia in Cazenovia, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches