AbbyBank in Abbotsford, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

AbbyBank - Overview

  • General
  • FDIC Certificate #: 19795
    Status: Active
    Federal Reserve ID: 198149
    Bank Holding Company (Regulatory Top Holder): Abby Bancorp, Inc. (RSSDID: 3612794, Location: Abbotsford, WI)
    Date Established: March 01, 1968
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 16035
    FDIC's unique #: 13589
    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: March 01, 1968
    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: 401 Spruce Streets, Abbotsford, WI 54405
    County: Marathon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Wausau, WI (#8940)
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Wausau, WI (#48140)
    CBSA Metro Statistical Area: Wausau, WI (#48140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $302.6 mil
    Equity capital: $29.3 mil
    Deposits held in domestic offices: $270.8 mil
    Return on assets (ROA): 0.89% ($2.7 mil)
    Quarterly return on assets: 0.98% ($3.0 mil)
    Return on Equity (ROE): 9.57% ($2.8 mil)
    Quarterly return on equity: 10.11% ($2.9 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.29% ($3,903.0 mil)
    Quarterly Pretax return on assets: 1.45% ($4,387.1 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
  • 68Total employees (full-time equivalent)
  • $302,562Total assets
  • $34,451Cash and due from depository institutions
  • $30,658Interest-bearing balances
  • $36,073Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $216,525Net loans & leases
  • $3,710Loan loss allowance
  • $0Trading account assets
  • $5,574Bank premises and fixed assets
  • $1,381Other real estate owned
  • $0Goodwill and other intangibles
  • $302,562Life insurance assets
  • $8,558All other assets
  • $273,251Total liabilities and capital
  • $270,840Total liabilities
  • $248,927Total deposits
  • $270,840Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 3.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,408Subordinated debt
  • $29,311All other liabilities
  • $29,311Total equity capital
  • $29,311Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $5,027Surplus
  • $21,284Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $691Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,856Income earned, not collected on loans
  • $0Earning assets
  • $1,026Long-term assets (5+ years)
  • $283,256Average Assets, year-to-date
  • $34,699Average Assets, quarterly
  • $298,574Volatile liabilities
  • $300,496Insider loans
  • $221,202FHLB advances
  • $300,061Loans and leases held for sale
  • $5,281Unused loan commitments
  • $5,281Tier 1 (core) risk-based capital
  • $28,559Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,080Restructured Loans and leases
  • $1,099Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,532Total interest income
  • $3,694Total interest expense
  • $9,838Net interest income
  • $875Provision for loan and lease losses
  • $1,573Total noninterest income
  • $0Fiduciary activities
  • $453Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,120Additional noninterest income
  • $6,672Total noninterest expense
  • $3,633Salaries and employee benefits
  • $660Premises and equipment expense
  • $2,379Additional noninterest expense
  • $3,864Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,200Applicable income taxes
  • $2,664Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,664Net income attributable to bank
  • $0Net charge-offs
  • $2,664Cash dividends
  • $587Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.32%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.38%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 9.57%Return on equity (ROE)
  • 5.26%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 149.06%Credit loss provision to net charge-offs
  • 8.07%Efficiency ratio
  • 58,470Assets per employee
  • 4.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.05%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 199.89%Noncurrent assets plus other real estate owned to assets
  • 1.07%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 79.95%Net loans and leases to core deposits
  • 85.91%Equity capital to assets
  • 9.69%Core capital (leverage) ratio
  • 9.52%Tier 1 risk-based capital ratio
  • 12.91%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $298,574Average earning assets
  • $27,836Average equity
  • $280,587Average loans

List of branches

  • 6 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013589Abbybank401 Spruce Streets, Abbotsford, WI 54405March 01, 1968Full Service Brick and Mortar
    1249551Wausau Branch2100 Stewart Avenue, Suite 100, Wausau, WI 54401August 03, 1998Full Service Brick and Mortar
    2357448Forest Park Village2901 North Seventh St., Wausau, WI 54403Febuary 01, 2000Limited Service Mobile
    3357449Island Place Branch400 River Drive, Wausau, WI 54403Febuary 01, 2000Limited Service Mobile Branch401 Spruce St, Abbotsford, WI 54405November 01, 2000Full Service Cyber
    5449816Schofield Branch2405 Schofield Avenue, Schofield, WI 54476January 16, 2006Full Service Brick and Mortar

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