American Bank & Trust Wisconsin in Cuba City, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Bank & Trust Wisconsin - Overview

  • General
  • FDIC Certificate #: 6183
    Status: Active
    Federal Reserve ID: 54441
    Bank Holding Company (Regulatory Top Holder): Atbancorp (RSSDID: 1134694, Location: Dubuque, IA)
    Date Established: October 03, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 4167
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 100 North Main Street, Cuba City, WI 53807
    County: Grant
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Platteville, WI (#38420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $134.3 mil
    Equity capital: $14.9 mil
    Deposits held in domestic offices: $116.0 mil
    Return on assets (ROA): 1.46% ($2.0 mil)
    Quarterly return on assets: 2.51% ($3.4 mil)
    Return on Equity (ROE): 13.87% ($2.1 mil)
    Quarterly return on equity: 22.87% ($3.4 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.46% ($1,960.7 mil)
    Quarterly Pretax return on assets: 1.68% ($2,256.1 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
  • 33Total employees (full-time equivalent)
  • $134,294Total assets
  • $4,705Cash and due from depository institutions
  • $10Interest-bearing balances
  • $10,597Securities
  • $14,962Federal funds sold & reverse repurchase agreements
  • $96,354Net loans & leases
  • $1,270Loan loss allowance
  • $0Trading account assets
  • $2,231Bank premises and fixed assets
  • $626Other real estate owned
  • $2,776Goodwill and other intangibles
  • $134,294Life insurance assets
  • $2,043All other assets
  • $119,389Total liabilities and capital
  • $116,040Total liabilities
  • $95,677Total deposits
  • $116,040Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 2155.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,194Subordinated debt
  • $14,905All other liabilities
  • $14,905Total equity capital
  • $14,905Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $7,401Surplus
  • $7,304Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $273Income earned, not collected on loans
  • $0Earning assets
  • $693Long-term assets (5+ years)
  • $121,923Average Assets, year-to-date
  • $11,678Average Assets, quarterly
  • $131,593Volatile liabilities
  • $132,389Insider loans
  • $98,163FHLB advances
  • $129,240Loans and leases held for sale
  • $215Unused loan commitments
  • $215Tier 1 (core) risk-based capital
  • $12,012Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,579Restructured Loans and leases
  • $132Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,166Total interest income
  • $1,289Total interest expense
  • $4,877Net interest income
  • $180Provision for loan and lease losses
  • $554Total noninterest income
  • $0Fiduciary activities
  • $267Service charges on deposit accounts
  • $0Trading account gains & fees
  • $287Additional noninterest income
  • $3,327Total noninterest expense
  • $1,989Salaries and employee benefits
  • $572Premises and equipment expense
  • $766Additional noninterest expense
  • $1,924Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,924Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,924Net income attributable to bank
  • $0Net charge-offs
  • $1,924Cash dividends
  • $106Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.04%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 1.46%Net operating income to assets
  • 1.46%Return on assets (ROA)
  • 1.46%Pretax return on assets
  • 13.87%Return on equity (ROE)
  • 12.79%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 169.81%Credit loss provision to net charge-offs
  • 19.85%Efficiency ratio
  • 61,259Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 7.80%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 465.20%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.28%Net loans and leases to deposits
  • 83.04%Net loans and leases to core deposits
  • 84.51%Equity capital to assets
  • 11.10%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 12.24%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $131,593Average earning assets
  • $13,868Average equity
  • $120,632Average loans

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04167American Bank & Trust Wisconsin100 North Main Street, Cuba City, WI 53807October 03, 1903Full Service Brick and Mortar
    1208933Hazel Green Branch1925 Main Street, Hazel Green, WI 53811October 20, 1934Full Service Brick and Mortar
    2362789Lancaster Branch235 North Madison Street, Lancaster, WI 53813October 29, 2001Full Service Brick and Mortar
    4419359Fennimore Branch1055 Lincoln Avenue, Fennimore, WI 53809Febuary 18, 2003Full Service Brick and Mortar
    5452599Platteville Branch130 Mcgregor Plaza, Platteville, WI 53818July 17, 2006Full Service Brick and Mortar

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