FDIC Certificate #: 9529 Status: Active Federal Reserve ID: 228345 Bank Holding Company (Regulatory Top Holder): Sbn Community Bancorp, Inc. (RSSDID: 3089314, Location: Newburg, WI) Date Established: January 01, 1911 WWW:http://www.newburgbank.com 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 #: 6125 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: June 07, 2010 Last Data Update: June 07, 2010 Data Source Date: April 05, 2012
Location
Address: 300 Congress Dr Hwy 33, Newburg, WI 53060 County: Washington Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Milwaukee Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080) Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63) Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376) Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340) CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
History of Changes
Merge BIF and SAIF Funds into DIF
Change in Location
Financial Summary
Total assets: $162.2 mil Equity capital: $21.9 mil Deposits held in domestic offices: $139.2 mil Return on assets (ROA): 1.55% ($2.5 mil) Quarterly return on assets: 0.96% ($1.6 mil) Return on Equity (ROE): 11.31% ($2.5 mil) Quarterly return on equity: 6.94% ($1.5 mil) Net income: $2.4 mil Quarterly Net income: $0.4 mil Pretax return on assets: 2.43% ($3,941.3 mil) Quarterly Pretax return on assets: 1.52% ($2,465.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
18Total employees (full-time equivalent)
$162,194Total assets
$5,003Cash and due from depository institutions
$2,151Interest-bearing balances
$18,950Securities
$8,489Federal funds sold & reverse repurchase agreements
$124,354Net loans & leases
$2,500Loan loss allowance
$0Trading account assets
$1,037Bank premises and fixed assets
$112Other real estate owned
$0Goodwill and other intangibles
$162,194Life insurance assets
$4,249All other assets
$140,247Total liabilities and capital
$139,223Total liabilities
$128,791Total deposits
$139,223Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,024Subordinated debt
$21,947All other liabilities
$21,947Total equity capital
$21,947Total bank equity capital
$0Perpetual preferred stock
$72Common stock
$15,328Surplus
$6,547Undivided profits
Memoranda
$0Noncurrent loans and leases
$63Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,286Income earned, not collected on loans
$221Earning assets
$535Long-term assets (5+ years)
$153,944Average Assets, year-to-date
$12,572Average Assets, quarterly
$154,624Volatile liabilities
$158,782Insider loans
$124,213FHLB advances
$155,056Loans and leases held for sale
$837Unused loan commitments
$837Tier 1 (core) risk-based capital
$21,947Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,221Restructured Loans and leases
$475Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,080Total interest income
$1,769Total interest expense
$6,311Net interest income
$607Provision for loan and lease losses
$219Total noninterest income
$0Fiduciary activities
$99Service charges on deposit accounts
$0Trading account gains & fees
$120Additional noninterest income
$2,164Total noninterest expense
$1,275Salaries and employee benefits
$306Premises and equipment expense
$583Additional noninterest expense
$3,759Pre-tax net operating income
$0Securities gains (losses)
$1,366Applicable income taxes
$2,393Income before extraordinary items
$0Extraordinary gains - net
$2,393Net income attributable to bank
$0Net charge-offs
$2,393Cash dividends
$307Sale, conversion, retirement of capital stock, net
$393Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.47%Yield on earning assets
1.20%Cost of funding earning assets
4.27%Net interest margin
0.15%Noninterest income to earning assets
1.46%Noninterest expense to earning assets
1.55%Net operating income to assets
1.55%Return on assets (ROA)
2.43%Pretax return on assets
11.31%Return on equity (ROE)
9.45%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
197.72%Credit loss provision to net charge-offs
14.22%Efficiency ratio
33,139Assets per employee
9.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.42%Loss allowance to loans
1.97%Loss allowance to noncurrent loans
47.29%Noncurrent assets plus other real estate owned to assets
3.33%Noncurrent loans to loans
4.17%Net loans and leases to deposits
89.32%Net loans and leases to core deposits
93.10%Equity capital to assets
13.53%Core capital (leverage) ratio
14.15%Tier 1 risk-based capital ratio
17.67%Total risk-based capital ratio
Memoranda
$19Average assets
$154,624Average earning assets
$21,156Average equity
$147,766Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6125
State Bank Of Newburg
300 Congress Dr Hwy 33, Newburg, WI 53060
January 01, 1911
Full Service Brick and Mortar
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