American Bank & Trust Wisconsin in Cuba City, Wisconsin (WI)



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American Bank & Trust Wisconsin routing number info

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American Bank & Trust Wisconsin
GeneralFDIC 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
WWW: http://www.americanbankwi.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)33
Total assets$134,294
Cash and due from depository institutions$4,705
Interest-bearing balances$10
Securities$10,597
Federal funds sold & reverse repurchase agreements$14,962
Net loans & leases$96,354
Loan loss allowance $1,270
Trading account assets$0
Bank premises and fixed assets$2,231
Other real estate owned$626
Goodwill and other intangibles$2,776
All other assets$2,043
Life insurance assets$134,294
Total liabilities and capital$119,389
Total liabilities$116,040
Total deposits$95,677
Interest-bearing deposits$116,040
Deposits held in domestic offices$95
% insured (estimated)2155.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,194
All other liabilities $14,905
Total equity capital$14,905
Total bank equity capital$14,905
Perpetual preferred stock$0
Common stock$200
Surplus$7,401
Undivided profits $7,304
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $273
Earning assets $0
Long-term assets (5+ years) $693
Average Assets, year-to-date $121,923
Average Assets, quarterly $11,678
Volatile liabilities $131,593
Insider loans $132,389
FHLB advances $98,163
Loans and leases held for sale $129,240
Unused loan commitments $215
Tier 1 (core) risk-based capital $215
Tier 2 risk-based capital $12,012
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,579
Derivatives$132
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,166
Total interest expense $1,289
Net interest income $4,877
Provision for loan and lease losses $180
Total noninterest income $554
Fiduciary activities $0
Service charges on deposit accounts $267
Trading account gains & fees $0
Additional noninterest income $287
Total noninterest expense $3,327
Salaries and employee benefits $1,989
Premises and equipment expense $572
Additional noninterest expense $766
Pre-tax net operating income $1,924
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,924
Extraordinary gains - net $0
Net income attributable to bank $1,924
Net charge-offs $0
Cash dividends $1,924
Sale, conversion, retirement of capital stock, net $106
Net operating income $150
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.11%
Cost of funding earning assets 1.07%
Net interest margin 4.04%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 2.76%
Net operating income to assets 1.46%
Return on assets (ROA) 1.46%
Pretax return on assets 1.46%
Return on equity (ROE) 13.87%
Retained earnings to average equity (YTD only) 12.79%
Net charge-offs to loans 0.11%
Credit loss provision to net charge-offs 169.81%
Efficiency ratio19.85%
Assets per employee$61,259
Cash dividends to net income (YTD only)4.07%
Condition Ratios (%)
Loss allowance to loans 7.80%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 465.20%
Noncurrent loans to loans 0.67%
Net loans and leases to deposits0.28%
Net loans and leases to core deposits 83.04%
Equity capital to assets 84.51%
Core capital (leverage) ratio 11.10%
Tier 1 risk-based capital ratio 9.29%
Total risk-based capital ratio 12.24%
Memoranda
Average assets$13
Average earning assets$131,593
Average equity $13,868
Average loans $120,632
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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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