Advantage Community Bank in Dorchester, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Advantage Community Bank in Dorchester, Wisconsin (WI)
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Advantage Community Bank - Overview

  • General
  • FDIC Certificate #: 10375
    Status: Active
    Federal Reserve ID: 189549
    Bank Holding Company (Regulatory Top Holder): Advantage Community Bancshares, Inc. (RSSDID: 3155273, Location: Wausau, WI)
    Date Established: August 09, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14584
    FDIC's unique #: 6647
    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: January 01, 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: 101 West Center Street, Dorchester, WI 54425
    County: Clark
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $121.7 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $100.6 mil
    Return on assets (ROA): 0.68% ($0.8 mil)
    Quarterly return on assets: 0.63% ($0.8 mil)
    Return on Equity (ROE): 6.48% ($0.8 mil)
    Quarterly return on equity: 5.91% ($0.8 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.04% ($1,265.6 mil)
    Quarterly Pretax return on assets: 0.97% ($1,180.4 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, 2011)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $121,690Total assets
  • $21,500Cash and due from depository institutions
  • $18,409Interest-bearing balances
  • $8,173Securities
  • $109Federal funds sold & reverse repurchase agreements
  • $85,823Net loans & leases
  • $1,487Loan loss allowance
  • $0Trading account assets
  • $1,775Bank premises and fixed assets
  • $525Other real estate owned
  • $751Goodwill and other intangibles
  • $121,690Life insurance assets
  • $3,034All other assets
  • $108,743Total liabilities and capital
  • $100,558Total liabilities
  • $90,546Total deposits
  • $100,558Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,403Trading liabilities
  • $0Other borrowed funds
  • $782Subordinated debt
  • $12,947All other liabilities
  • $12,947Total equity capital
  • $12,947Total bank equity capital
  • $0Perpetual preferred stock
  • $90Common stock
  • $6,986Surplus
  • $5,871Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $264Income earned, not collected on loans
  • $0Earning assets
  • $330Long-term assets (5+ years)
  • $112,514Average Assets, year-to-date
  • $6,058Average Assets, quarterly
  • $119,397Volatile liabilities
  • $120,483Insider loans
  • $91,109FHLB advances
  • $119,797Loans and leases held for sale
  • $1,334Unused loan commitments
  • $1,334Tier 1 (core) risk-based capital
  • $12,398Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,195Restructured Loans and leases
  • $3,028Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,888Total interest income
  • $1,265Total interest expense
  • $3,623Net interest income
  • $439Provision for loan and lease losses
  • $853Total noninterest income
  • $0Fiduciary activities
  • $57Service charges on deposit accounts
  • $0Trading account gains & fees
  • $796Additional noninterest income
  • $2,794Total noninterest expense
  • $1,594Salaries and employee benefits
  • $454Premises and equipment expense
  • $746Additional noninterest expense
  • $1,243Pre-tax net operating income
  • $0Securities gains (losses)
  • $432Applicable income taxes
  • $811Income before extraordinary items
  • $0Extraordinary gains - net
  • $811Net income attributable to bank
  • $0Net charge-offs
  • $811Cash dividends
  • $269Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.27%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 6.48%Return on equity (ROE)
  • 6.48%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 163.20%Credit loss provision to net charge-offs
  • 6.25%Efficiency ratio
  • 62,422Assets per employee
  • 4.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 563.26%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 85.35%Net loans and leases to core deposits
  • 88.29%Equity capital to assets
  • 10.64%Core capital (leverage) ratio
  • 10.35%Tier 1 risk-based capital ratio
  • 13.61%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $119,397Average earning assets
  • $12,518Average equity
  • $110,946Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06647Advantage Community Bank101 West Center Street, Dorchester, WI 54425August 09, 1906Full Service Brick and Mortar
    2418872Wausau Branch210 North 17th Avenue, Wausau, WI 54401April 23, 2003Full Service Brick and Mortar
    3442579Mosinee Branch1220 Western Avenue, Mosinee, WI 54455July 11, 2005Full Service Brick and Mortar
    4451606Edgar Branch327 Third Avenue, Edgar, WI 54426May 15, 2006Full Service Retail

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