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

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

State Bank of Cross Plains - Overview

General
FDIC Certificate #: 15091
Status: Active
Federal Reserve ID: 525549
Bank Holding Company (Regulatory Top Holder): S.B.c.p. Bancorp, Inc. (RSSDID: 2336806, Location: Cross Plains, WI)
Date Established: January 01, 1908
WWW: http://www.crossplainsbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 9868
FDIC's unique #: 9468
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: July 05, 2011
Last Structure Change Process Date: July 11, 2011
Last Data Update: July 11, 2011
Data Source Date: April 05, 2012
Location
Address: 1205 Main Street, Cross Plains, WI 53528
County: Dane
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): Madison, WI (#4720)
Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
Core Based Statistical Area (CBSA): Madison, WI (#31540)
CBSA Metro Statistical Area: Madison, WI (#31540)
Financial Summary
Total assets: $797.7 mil
Equity capital: $71.5 mil
Deposits held in domestic offices: $698.4 mil
Return on assets (ROA): 0.29% ($2.3 mil)
Quarterly return on assets: -0.07% (-$0.6 mil)
Return on Equity (ROE): 3.15% ($2.3 mil)
Quarterly return on equity: -0.80% (-$0.6 mil)
Net income: $2.3 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: 0.34% ($2,712.2 mil)
Quarterly Pretax return on assets: -0.25% (-$1,994.2 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
196Total employees (full-time equivalent)
$797,692Total assets
$26,633Cash and due from depository institutions
$23,319Interest-bearing balances
$97,808Securities
$18,874Federal funds sold & reverse repurchase agreements
$584,814Net loans & leases
$14,855Loan loss allowance
$0Trading account assets
$17,796Bank premises and fixed assets
$9,032Other real estate owned
$9,696Goodwill and other intangibles
$797,692Life insurance assets
$33,039All other assets
$726,146Total liabilities and capital
$698,351Total liabilities
$617,433Total deposits
$698,351Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$21,473Trading liabilities
$0Other borrowed funds
$6,322Subordinated debt
$71,546All other liabilities
$71,546Total equity capital
$71,546Total bank equity capital
$0Perpetual preferred stock
$149Common stock
$39,501Surplus
$31,896Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,121Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$44,390Income earned, not collected on loans
$0Earning assets
$2,695Long-term assets (5+ years)
$724,815Average Assets, year-to-date
$65,519Average Assets, quarterly
$788,536Volatile liabilities
$791,375Insider loans
$624,944FHLB advances
$778,720Loans and leases held for sale
$15,500Unused loan commitments
$15,500Tier 1 (core) risk-based capital
$64,098Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$120,035Restructured Loans and leases
$623Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$36,882Total interest income
$7,022Total interest expense
$29,860Net interest income
$11,287Provision for loan and lease losses
$6,143Total noninterest income
$1,020Fiduciary activities
$1,043Service charges on deposit accounts
$0Trading account gains & fees
$4,080Additional noninterest income
$21,867Total noninterest expense
$11,669Salaries and employee benefits
$2,656Premises and equipment expense
$7,542Additional noninterest expense
$2,849Pre-tax net operating income
-$174Securities gains (losses)
$411Applicable income taxes
$2,264Income before extraordinary items
$0Extraordinary gains - net
$2,264Net income attributable to bank
$0Net charge-offs
$2,264Cash dividends
$6,567Sale, conversion, retirement of capital stock, net
$2,444Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
0.99%Cost of funding earning assets
4.19%Net interest margin
0.86%Noninterest income to earning assets
3.07%Noninterest expense to earning assets
0.31%Net operating income to assets
0.29%Return on assets (ROA)
0.34%Pretax return on assets
3.15%Return on equity (ROE)
-0.25%Retained earnings to average equity (YTD only)
1.09%Net charge-offs to loans
171.87%Credit loss provision to net charge-offs
2.15%Efficiency ratio
60,059Assets per employee
4.07%Cash dividends to net income (YTD only)
Condition Ratios (%)
107.95%Loss allowance to loans
2.48%Loss allowance to noncurrent loans
33.46%Noncurrent assets plus other real estate owned to assets
6.87%Noncurrent loans to loans
7.40%Net loans and leases to deposits
83.74%Net loans and leases to core deposits
88.00%Equity capital to assets
8.97%Core capital (leverage) ratio
8.23%Tier 1 risk-based capital ratio
10.26%Total risk-based capital ratio
Memoranda
$12Average assets
$788,536Average earning assets
$71,780Average equity
$711,901Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$185,166Managed Assets
1Number of Accounts
$146,575Personal trust and agency accounts
$45,450Employee benefit-defined contribution accounts
$19,312Employee benefit-defined benefit accounts
$2,050Other retirement accounts
$30,013Corporate trust and agency accounts
$0Investment management agency accounts
$44,768Other fiduciary accounts
$4,982Fiduciary accounts held in foreign offices
$0Non-managed Assets
1038Number of Accounts
$0Personal trust and agency accounts
$30,013Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$38,591Other retirement accounts
$1,075Corporate trust and agency accounts
$7,702Other fiduciary accounts
$29,141Fiduciary accounts held in foreign offices

List of branches

10 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9468	State Bank Of Cross Plains	1205 Main Street, Cross Plains, WI 53528	January 01, 1908	Full Service Brick and Mortar
1	233208	Mount Horeb Branch	1740 Business Highway 18-151 East, Mount Horeb, WI 53572	Febuary 26, 1990	Full Service Brick and Mortar
2	233209	Cross Plains Branch	2535 Main Street, Cross Plains, WI 53528	March 11, 1991	Full Service Brick and Mortar
3	233210	Middleton - West Branch	8309 University Avenue, Middleton, WI 53562	April 10, 1995	Full Service Brick and Mortar
4	362068	Madison Branch	455 County Highway M, Madison, WI 53719	August 06, 2001	Full Service Brick and Mortar
5	6893	Bank Of Waunakee/Branch	610 West Main Street, Waunakee, WI 53597	April 12, 1912	Full Service Brick and Mortar
6	452600	Middleton - East	6300 University Avenue, Suite 200, Middleton, WI 53562	July 13, 2006	Full Service Brick and Mortar
7	9506	Independent Bank Verona - Branch	108 North Main Street, Verona, WI 53593	Febuary 01, 1904	Full Service Brick and Mortar
8	430072	Oregon	744 North Main Street, Oregon, WI 53575	July 26, 2004	Full Service Brick and Mortar
9	8100	Black Earth State Bank Branch	1030 Mills Street, Black Earth, WI 53515	January 01, 1904	Full Service Brick and Mortar

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

State Bank of Cross Plains - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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

State Bank of Cross Plains - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

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