The Reedsburg Bank in Reedsburg, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 12, 2007

  • The Reedsburg Bank in Reedsburg, Wisconsin (WI)
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The Reedsburg Bank - Overview

  • General
  • FDIC Certificate #: 12799
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Lincoln State Bank (#13028)
    Federal Reserve ID: 268042
    Date Established: January 01, 1867
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 10679
    FDIC's unique #: 8105
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 12, 2007
    Last Structure Change Process Date: December 03, 2007
    Last Data Update: December 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Main Street, Reedsburg, WI 53959
    County: Sauk
    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
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Baraboo, WI (#12660)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $214.4 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, 2006)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $218,160Total assets
  • $5,477Cash and due from depository institutions
  • $24Interest-bearing balances
  • $25,000Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $161,608Net loans & leases
  • $1,367Loan loss allowance
  • $0Trading account assets
  • $4,107Bank premises and fixed assets
  • $0Other real estate owned
  • $18,063Goodwill and other intangibles
  • $2,098Life insurance assets
  • $3,905All other assets
  • $218,160Total liabilities and capital
  • $184,333Total liabilities
  • $164,597Total deposits
  • $149,738Interest-bearing deposits
  • $164,597Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $7,863Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,000Other borrowed funds
  • $0Subordinated debt
  • $1,873All other liabilities
  • $33,827Total equity capital
  • $33,827Total bank equity capital
  • $33,827Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $30,928Undivided profits
  • Memoranda
  • $2,499Noncurrent loans and leases
  • $27,153Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $291Earning assets
  • $0Long-term assets (5+ years)
  • $1,000Average Assets, year-to-date
  • $186,632Average Assets, quarterly
  • $17,197Volatile liabilities
  • $212,568Insider loans
  • $216,734FHLB advances
  • $47,708Loans and leases held for sale
  • $2,395Unused loan commitments
  • $10,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $27,153Total unused commitments
  • $369Restructured Loans and leases
  • $1,367Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $13,519Total interest income
  • $6,094Total interest expense
  • $7,425Net interest income
  • $240Provision for loan and lease losses
  • $894Total noninterest income
  • $50Fiduciary activities
  • $579Service charges on deposit accounts
  • $0Trading account gains & fees
  • $265Additional noninterest income
  • $4,867Total noninterest expense
  • $2,839Salaries and employee benefits
  • $536Premises and equipment expense
  • $1,492Additional noninterest expense
  • $3,212Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,036Applicable income taxes
  • $2,176Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,176Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $122Sale, conversion, retirement of capital stock, net
  • $1,125Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.41%Yield on earning assets
  • 3.34%Cost of funding earning assets
  • 4.07%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 6.58%Return on equity (ROE)
  • 3.18%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 196.72%Credit loss provision to net charge-offs
  • 28.30%Efficiency ratio
  • 56,918Assets per employee
  • 3.16%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.70%Loss allowance to loans
  • 0.84%Loss allowance to noncurrent loans
  • 469.76%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 98.18%Net loans and leases to core deposits
  • 129.54%Equity capital to assets
  • 15.51%Core capital (leverage) ratio
  • 7.96%Tier 1 risk-based capital ratio
  • 9.93%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $212,568Average earning assets
  • $33,063Average equity
  • $182,406Average loans

Total Fiduciary and Related Assets (December 31, 2006)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $776Managed Assets
  • 1Number of Accounts
  • $776Personal trust and agency accounts
  • $776Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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