Badger Bank in Fort Atkinson, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Badger Bank in Fort Atkinson, Wisconsin (WI)
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Badger Bank - Overview

  • General
  • FDIC Certificate #: 2469
    Status: Active
    Federal Reserve ID: 846945
    Bank Holding Company (Regulatory Top Holder): Citizens Financial Corporation Employee Stock Ownership Plan And Trust (RSSDID: 1247727, Location: Fort Atkinson, WI)
    Date Established: January 07, 1884
    WWW: http://www.badgerbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 1621
    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: April 30, 2007
    Last Structure Change Process Date: May 10, 2007
    Last Data Update: May 10, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 220 Grant Street, Fort Atkinson, WI 53538
    County: Jefferson
    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
    Core Based Statistical Area (CBSA): Watertown-Fort Atkinson, WI (#48020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $108.1 mil
    Equity capital: $11.7 mil
    Deposits held in domestic offices: $96.0 mil
    Return on assets (ROA): 0.25% ($0.3 mil)
    Quarterly return on assets: 0.66% ($0.7 mil)
    Return on Equity (ROE): 2.43% ($0.3 mil)
    Quarterly return on equity: 6.12% ($0.7 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.42% ($454.2 mil)
    Quarterly Pretax return on assets: 1.11% ($1,200.5 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
  • 39Total employees (full-time equivalent)
  • $108,149Total assets
  • $14,713Cash and due from depository institutions
  • $12,064Interest-bearing balances
  • $25,301Securities
  • $241Federal funds sold & reverse repurchase agreements
  • $54,066Net loans & leases
  • $843Loan loss allowance
  • $0Trading account assets
  • $5,319Bank premises and fixed assets
  • $4,180Other real estate owned
  • $512Goodwill and other intangibles
  • $108,149Life insurance assets
  • $3,817All other assets
  • $96,447Total liabilities and capital
  • $96,003Total liabilities
  • $77,288Total deposits
  • $96,003Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $444Subordinated debt
  • $11,702All other liabilities
  • $11,702Total equity capital
  • $11,702Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $4,879Surplus
  • $6,223Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $507Income earned, not collected on loans
  • $0Earning assets
  • $317Long-term assets (5+ years)
  • $91,672Average Assets, year-to-date
  • $18,731Average Assets, quarterly
  • $108,175Volatile liabilities
  • $107,839Insider loans
  • $67,781FHLB advances
  • $108,359Loans and leases held for sale
  • $2,453Unused loan commitments
  • $1,665Tier 1 (core) risk-based capital
  • $10,686Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $788Total unused commitments
  • $6,097Restructured Loans and leases
  • $665Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,135Total interest income
  • $536Total interest expense
  • $3,599Net interest income
  • $335Provision for loan and lease losses
  • $1,149Total noninterest income
  • $235Fiduciary activities
  • $210Service charges on deposit accounts
  • $0Trading account gains & fees
  • $704Additional noninterest income
  • $3,959Total noninterest expense
  • $2,046Salaries and employee benefits
  • $569Premises and equipment expense
  • $1,344Additional noninterest expense
  • $454Pre-tax net operating income
  • $0Securities gains (losses)
  • $179Applicable income taxes
  • $275Income before extraordinary items
  • $0Extraordinary gains - net
  • $275Net income attributable to bank
  • $0Net charge-offs
  • $275Cash dividends
  • $597Sale, conversion, retirement of capital stock, net
  • $40Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.49%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 3.91%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 4.30%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 2.43%Return on equity (ROE)
  • 2.08%Retained earnings to average equity (YTD only)
  • 1.05%Net charge-offs to loans
  • 56.11%Credit loss provision to net charge-offs
  • 1.32%Efficiency ratio
  • 82,498Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.55%Loss allowance to loans
  • 1.54%Loss allowance to noncurrent loans
  • 166.27%Noncurrent assets plus other real estate owned to assets
  • 4.33%Noncurrent loans to loans
  • 0.92%Net loans and leases to deposits
  • 56.32%Net loans and leases to core deposits
  • 58.70%Equity capital to assets
  • 10.82%Core capital (leverage) ratio
  • 9.86%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $108,175Average earning assets
  • $11,311Average equity
  • $92,059Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $29,248Managed Assets
  • 1Number of Accounts
  • $28,394Personal trust and agency accounts
  • $11,036Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $9,144Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $4,552Other fiduciary accounts
  • $3,662Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 396Number of Accounts
  • $0Personal trust and agency accounts
  • $9,144Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $854Other retirement accounts
  • $27Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $355Fiduciary accounts held in foreign offices

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01621Badger Bank220 Grant Street, Fort Atkinson, WI 53538January 07, 1884Full Service Brick and Mortar
    26652Cambridge102 West Main Street, Cambridge, WI 53523January 01, 1899Full Service Brick and Mortar
    3439688Johnson Creek Branch545 Village Walk Lane, Johnson Creek, WI 53038April 05, 2005Full Service Brick and Mortar
    4465784Jefferson Branch1003 South Main Street, Jefferson, WI 53549July 16, 2007Full Service Brick and Mortar

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