Adell State Bank in Adell, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 01, 1995

  • Adell State Bank in Adell, Wisconsin (WI)
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Adell State Bank - Overview

  • General
  • FDIC Certificate #: 9531
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: National Exchange Bank and Trust (#10044)
    Federal Reserve ID: 503042
    Date Established: January 08, 1908
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6127
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 01, 1995
    Last Structure Change Process Date: December 07, 1995
    Last Data Update: December 07, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 901 Wisconsin Street, Adell, WI 53001
    County: Sheboygan
    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): Sheboygan, WI (#7620)
    Core Based Statistical Area (CBSA): Sheboygan, WI (#43100)
    CBSA Metro Statistical Area: Sheboygan, WI (#43100)
  • Financial Summary
  • Total assets: $25.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $11Total assets
  • $27,279Cash and due from depository institutions
  • $2,272Interest-bearing balances
  • $391Securities
  • $3,386Federal funds sold & reverse repurchase agreements
  • $1,700Net loans & leases
  • $19,384Loan loss allowance
  • $209Trading account assets
  • $0Bank premises and fixed assets
  • $294Other real estate owned
  • $0Goodwill and other intangibles
  • $243Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $27,279Total liabilities
  • $25,186Total deposits
  • $25,080Interest-bearing deposits
  • $22,884Deposits held in domestic offices
  • 25080.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $106Total equity capital
  • $106Total bank equity capital
  • $2,093Perpetual preferred stock
  • $0Common stock
  • $72Surplus
  • $1,428Undivided profits
  • Memoranda
  • $593Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $51Income earned, not collected on loans
  • $112Earning assets
  • $24,861Long-term assets (5+ years)
  • $906Average Assets, year-to-date
  • $26,662Average Assets, quarterly
  • $27,229Volatile liabilities
  • $503Insider loans
  • $114FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $723Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,093Total risk weighted assets
  • $15,414Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $1,865Total interest expense
  • $789Net interest income
  • $1,076Provision for loan and lease losses
  • $18Total noninterest income
  • $96Fiduciary activities
  • $0Service charges on deposit accounts
  • $61Trading account gains & fees
  • $0Additional noninterest income
  • $35Total noninterest expense
  • $670Salaries and employee benefits
  • $399Premises and equipment expense
  • $62Additional noninterest expense
  • $209Pre-tax net operating income
  • $484Securities gains (losses)
  • $0Applicable income taxes
  • $188Income before extraordinary items
  • $296Extraordinary gains - net
  • $0Net income attributable to bank
  • $296Net charge-offs
  • -$10Cash dividends
  • $10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.57%Cost of funding earning assets
  • 3.20%Net interest margin
  • 4.37%Noninterest income to earning assets
  • 0.39%Noninterest expense to earning assets
  • 2.72%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 1.82%Return on equity (ROE)
  • 15.04%Retained earnings to average equity (YTD only)
  • 14.53%Net charge-offs to loans
  • -0.05%Credit loss provision to net charge-offs
  • -180.00%Efficiency ratio
  • 57,167Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.38%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 409.80%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 77.29%Net loans and leases to core deposits
  • 78.87%Equity capital to assets
  • 7.67%Core capital (leverage) ratio
  • 7.64%Tier 1 risk-based capital ratio
  • 13.58%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $26,662Average earning assets
  • $1,968Average equity
  • $24,646Average loans

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