Bank of Deerfield in Deerfield, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Deerfield - Overview

  • General
  • FDIC Certificate #: 2477
    Status: Active
    Federal Reserve ID: 588245
    Bank Holding Company (Regulatory Top Holder): Deerfield Financial Corporation (RSSDID: 1416738, Location: Madison, WI)
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14441
    FDIC's unique #: 1628
    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: Yes
    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: 15 South Main Street, Deerfield, WI 53531
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.5 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $78.4 mil
    Return on assets (ROA): 1.86% ($1.7 mil)
    Quarterly return on assets: 1.91% ($1.8 mil)
    Return on Equity (ROE): 13.44% ($1.9 mil)
    Quarterly return on equity: 13.14% ($1.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.87% ($1,747.7 mil)
    Quarterly Pretax return on assets: 1.91% ($1,785.0 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
  • 26Total employees (full-time equivalent)
  • $93,458Total assets
  • $2,139Cash and due from depository institutions
  • $162Interest-bearing balances
  • $503Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $85,599Net loans & leases
  • $1,987Loan loss allowance
  • $0Trading account assets
  • $1,172Bank premises and fixed assets
  • $1,367Other real estate owned
  • $970Goodwill and other intangibles
  • $93,458Life insurance assets
  • $1,708All other assets
  • $79,945Total liabilities and capital
  • $78,445Total liabilities
  • $66,249Total deposits
  • $78,445Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 345.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $250Trading liabilities
  • $0Other borrowed funds
  • $905Subordinated debt
  • $13,513All other liabilities
  • $13,513Total equity capital
  • $13,513Total bank equity capital
  • $0Perpetual preferred stock
  • $80Common stock
  • $4,978Surplus
  • $8,455Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,756Income earned, not collected on loans
  • $0Earning assets
  • $487Long-term assets (5+ years)
  • $86,264Average Assets, year-to-date
  • $224Average Assets, quarterly
  • $90,444Volatile liabilities
  • $92,211Insider loans
  • $87,424FHLB advances
  • $91,355Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,383Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,731Restructured Loans and leases
  • $1,655Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,137Total interest income
  • $951Total interest expense
  • $4,186Net interest income
  • $840Provision for loan and lease losses
  • $1,537Total noninterest income
  • $0Fiduciary activities
  • $99Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,438Additional noninterest income
  • $3,193Total noninterest expense
  • $1,611Salaries and employee benefits
  • $272Premises and equipment expense
  • $1,310Additional noninterest expense
  • $1,690Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $1,686Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,686Net income attributable to bank
  • $0Net charge-offs
  • $1,686Cash dividends
  • $758Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.09%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 4.97%Net interest margin
  • 1.82%Noninterest income to earning assets
  • 3.79%Noninterest expense to earning assets
  • 1.86%Net operating income to assets
  • 1.86%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 13.44%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 110.82%Credit loss provision to net charge-offs
  • 3.34%Efficiency ratio
  • 55,792Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.45%Loss allowance to loans
  • 2.27%Loss allowance to noncurrent loans
  • 113.15%Noncurrent assets plus other real estate owned to assets
  • 3.34%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 109.12%Net loans and leases to core deposits
  • 152.80%Equity capital to assets
  • 14.46%Core capital (leverage) ratio
  • 14.65%Tier 1 risk-based capital ratio
  • 15.31%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $90,444Average earning assets
  • $12,546Average equity
  • $84,284Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01628Bank Of Deerfield15 South Main Street, Deerfield, WI 53531January 01, 1887Full Service Brick and Mortar
    1441384Shaul Lane Branch867 Shaul Lane, Deerfield, WI 53531June 20, 2005Full Service Brick and Mortar

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