FDIC Certificate #: 14907 Status: Active Federal Reserve ID: 504647 Date Established: April 01, 1893 WWW:http://www.internationalbank-amherst.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) OTS Docket #: 14534 FDIC's unique #: 9334 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: June 30, 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: 103 South Main Street, Amherst, WI 54406 County: Portage 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 Core Based Statistical Area (CBSA): Stevens Point, WI (#44620) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $48.9 mil Equity capital: $6.9 mil Deposits held in domestic offices: $41.9 mil Return on assets (ROA): 1.42% ($0.7 mil) Quarterly return on assets: 0.47% ($0.2 mil) Return on Equity (ROE): 9.80% ($0.7 mil) Quarterly return on equity: 3.25% ($0.2 mil) Net income: $0.7 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.43% ($699.3 mil) Quarterly Pretax return on assets: 0.47% ($229.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
13Total employees (full-time equivalent)
$48,905Total assets
$6,414Cash and due from depository institutions
$5,222Interest-bearing balances
$10,796Securities
$0Federal funds sold & reverse repurchase agreements
$30,099Net loans & leases
$303Loan loss allowance
$0Trading account assets
$736Bank premises and fixed assets
$271Other real estate owned
$0Goodwill and other intangibles
$48,905Life insurance assets
$589All other assets
$42,043Total liabilities and capital
$41,864Total liabilities
$33,473Total deposits
$41,864Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$179Subordinated debt
$6,862All other liabilities
$6,862Total equity capital
$6,862Total bank equity capital
$0Perpetual preferred stock
$50Common stock
$4,950Surplus
$1,862Undivided profits
Memoranda
$0Noncurrent loans and leases
$155Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$621Income earned, not collected on loans
$0Earning assets
$229Long-term assets (5+ years)
$46,117Average Assets, year-to-date
$5,700Average Assets, quarterly
$46,813Volatile liabilities
$47,583Insider loans
$26,726FHLB advances
$46,124Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,862Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,443Restructured Loans and leases
$559Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,270Total interest income
$237Total interest expense
$2,033Net interest income
$45Provision for loan and lease losses
$230Total noninterest income
$0Fiduciary activities
$115Service charges on deposit accounts
$0Trading account gains & fees
$115Additional noninterest income
$1,513Total noninterest expense
$879Salaries and employee benefits
$147Premises and equipment expense
$487Additional noninterest expense
$705Pre-tax net operating income
-$36Securities gains (losses)
$5Applicable income taxes
$664Income before extraordinary items
$0Extraordinary gains - net
$664Net income attributable to bank
$0Net charge-offs
$664Cash dividends
$134Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.15%Yield on earning assets
0.54%Cost of funding earning assets
4.61%Net interest margin
0.52%Noninterest income to earning assets
3.43%Noninterest expense to earning assets
1.49%Net operating income to assets
1.42%Return on assets (ROA)
1.43%Pretax return on assets
9.80%Return on equity (ROE)
3.90%Retained earnings to average equity (YTD only)
0.43%Net charge-offs to loans
33.58%Credit loss provision to net charge-offs
5.60%Efficiency ratio
66,858Assets per employee
3.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
60.24%Loss allowance to loans
1.00%Loss allowance to noncurrent loans
48.79%Noncurrent assets plus other real estate owned to assets
1.82%Noncurrent loans to loans
2.04%Net loans and leases to deposits
71.90%Net loans and leases to core deposits
72.70%Equity capital to assets
14.03%Core capital (leverage) ratio
14.88%Tier 1 risk-based capital ratio
25.68%Total risk-based capital ratio
Memoranda
$27Average assets
$46,813Average earning assets
$6,773Average equity
$44,089Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9334
The International Bank Of Amherst
103 South Main Street, Amherst, WI 54406
April 01, 1893
Full Service Brick and Mortar
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