FDIC Certificate #: 15188 Status: Active Federal Reserve ID: 786443 Bank Holding Company (Regulatory Top Holder): American National Bank Of Beaver Dam Employee Stock Ownership Trust (RSSDID: 3009938, Location: Beaver Dam, WI) Date Established: July 15, 1899 WWW:http://www.thenecedahbank.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 #: 11835 FDIC's unique #: 9552 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: June 20, 1935 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: 212 Main Street, Necedah, WI 54646 County: Juneau 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $33.1 mil Equity capital: $4.2 mil Deposits held in domestic offices: $26.7 mil Return on assets (ROA): -0.27% (-$0.1 mil) Quarterly return on assets: 0.14% ($0.0 mil) Return on Equity (ROE): -2.25% (-$0.1 mil) Quarterly return on equity: 1.13% ($0.0 mil) Net income: -$0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: -0.03% (-$9.9 mil) Quarterly Pretax return on assets: 0.20% ($66.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
9Total employees (full-time equivalent)
$33,095Total assets
$3,714Cash and due from depository institutions
$3,035Interest-bearing balances
$5,481Securities
$0Federal funds sold & reverse repurchase agreements
$21,361Net loans & leases
$423Loan loss allowance
$0Trading account assets
$551Bank premises and fixed assets
$1,121Other real estate owned
$267Goodwill and other intangibles
$33,095Life insurance assets
$600All other assets
$28,859Total liabilities and capital
$26,748Total liabilities
$19,551Total deposits
$26,748Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$111Subordinated debt
$4,236All other liabilities
$4,236Total equity capital
$4,236Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$5,869Surplus
$-1,753Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,274Income earned, not collected on loans
$0Earning assets
$132Long-term assets (5+ years)
$29,877Average Assets, year-to-date
$1,789Average Assets, quarterly
$35,043Volatile liabilities
$33,447Insider loans
$24,846FHLB advances
$32,946Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,919Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,366Restructured Loans and leases
$619Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,388Total interest income
$300Total interest expense
$1,088Net interest income
$181Provision for loan and lease losses
$122Total noninterest income
$0Fiduciary activities
$58Service charges on deposit accounts
$0Trading account gains & fees
$64Additional noninterest income
$1,290Total noninterest expense
$375Salaries and employee benefits
$87Premises and equipment expense
$828Additional noninterest expense
-$261Pre-tax net operating income
$250Securities gains (losses)
$85Applicable income taxes
-$96Income before extraordinary items
$0Extraordinary gains - net
-$96Net income attributable to bank
$0Net charge-offs
-$96Cash dividends
$39Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.42%Yield on earning assets
0.95%Cost of funding earning assets
3.46%Net interest margin
0.39%Noninterest income to earning assets
4.10%Noninterest expense to earning assets
-0.99%Net operating income to assets
-0.27%Return on assets (ROA)
-0.03%Pretax return on assets
-2.25%Return on equity (ROE)
-2.25%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
464.10%Credit loss provision to net charge-offs
-2.05%Efficiency ratio
104,380Assets per employee
3.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.94%Loss allowance to noncurrent loans
18.60%Noncurrent assets plus other real estate owned to assets
10.26%Noncurrent loans to loans
10.44%Net loans and leases to deposits
79.86%Net loans and leases to core deposits
79.86%Equity capital to assets
12.80%Core capital (leverage) ratio
11.90%Tier 1 risk-based capital ratio
15.77%Total risk-based capital ratio
Memoranda
$17Average assets
$35,043Average earning assets
$4,275Average equity
$31,437Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9552
The Necedah Bank
212 Main Street, Necedah, WI 54646
July 15, 1899
Full Service Brick and Mortar
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