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

  • Bank of Luxemburg in Luxemburg, Wisconsin (WI)
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Bank of Luxemburg - Overview

  • General
  • FDIC Certificate #: 13264
    Status: Active
    Federal Reserve ID: 580548
    Bank Holding Company (Regulatory Top Holder): Luxemburg Bancshares, Inc. (RSSDID: 1209743, Location: Luxemburg, WI)
    Date Established: October 03, 1903
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 12871
    FDIC's unique #: 8390
    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: June 27, 2008
    Last Structure Change Process Date: September 05, 2008
    Last Data Update: September 05, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 630 Main Street, Luxemburg, WI 54217
    County: Kewaunee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Green Bay, WI (#24580)
    CBSA Metro Statistical Area: Green Bay, WI (#24580)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $253.8 mil
    Equity capital: $25.0 mil
    Deposits held in domestic offices: $224.7 mil
    Return on assets (ROA): 0.88% ($2.2 mil)
    Quarterly return on assets: 0.94% ($2.4 mil)
    Return on Equity (ROE): 8.76% ($2.2 mil)
    Quarterly return on equity: 9.29% ($2.3 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.15% ($2,918.4 mil)
    Quarterly Pretax return on assets: 1.20% ($3,045.3 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
  • 77Total employees (full-time equivalent)
  • $253,777Total assets
  • $12,912Cash and due from depository institutions
  • $8,475Interest-bearing balances
  • $53,507Securities
  • $225Federal funds sold & reverse repurchase agreements
  • $169,052Net loans & leases
  • $2,504Loan loss allowance
  • $0Trading account assets
  • $7,440Bank premises and fixed assets
  • $852Other real estate owned
  • $2,075Goodwill and other intangibles
  • $253,777Life insurance assets
  • $7,714All other assets
  • $228,743Total liabilities and capital
  • $224,654Total liabilities
  • $196,044Total deposits
  • $224,654Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $2,089Subordinated debt
  • $25,034All other liabilities
  • $25,034Total equity capital
  • $25,034Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $5,400Surplus
  • $19,334Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $384Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $398Income earned, not collected on loans
  • $0Earning assets
  • $981Long-term assets (5+ years)
  • $231,259Average Assets, year-to-date
  • $49,888Average Assets, quarterly
  • $239,382Volatile liabilities
  • $246,102Insider loans
  • $195,926FHLB advances
  • $243,238Loans and leases held for sale
  • $5,055Unused loan commitments
  • $5,055Tier 1 (core) risk-based capital
  • $23,076Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,807Restructured Loans and leases
  • $1,808Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,499Total interest income
  • $1,882Total interest expense
  • $9,617Net interest income
  • $830Provision for loan and lease losses
  • $2,566Total noninterest income
  • $0Fiduciary activities
  • $738Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,828Additional noninterest income
  • $8,684Total noninterest expense
  • $5,014Salaries and employee benefits
  • $1,338Premises and equipment expense
  • $2,332Additional noninterest expense
  • $2,669Pre-tax net operating income
  • $73Securities gains (losses)
  • $642Applicable income taxes
  • $2,100Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,100Net income attributable to bank
  • $0Net charge-offs
  • $2,100Cash dividends
  • $802Sale, conversion, retirement of capital stock, net
  • $1,105Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 0.87%Cost of funding earning assets
  • 4.45%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 4.02%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.15%Pretax return on assets
  • 8.76%Return on equity (ROE)
  • 4.15%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 103.49%Credit loss provision to net charge-offs
  • 4.36%Efficiency ratio
  • 69,351Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.62%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 629.15%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 75.25%Net loans and leases to core deposits
  • 76.79%Equity capital to assets
  • 9.86%Core capital (leverage) ratio
  • 9.49%Tier 1 risk-based capital ratio
  • 11.78%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $239,382Average earning assets
  • $23,963Average equity
  • $216,230Average loans

List of branches

  • 8 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08390Bank Of Luxemburg630 Main Street, Luxemburg, WI 54217October 03, 1903Full Service Brick and Mortar
    1229401Dyckesville BranchState Route 57 And County Trunk S, Dyckesville, WI 54217May 04, 1987Full Service Brick and Mortar
    2229402Banking Center Of Bellevue Branch1311 Bellevue Street, Green Bay, WI 54302October 02, 1989Full Service Brick and Mortar
    3229403Casco Branch100 Old Orchard Ave, Casco, WI 54205May 24, 1999Full Service Brick and Mortar
    4334299Center Drive Branch602 Center Drive, Luxemburg, WI 54217May 01, 1996Limited Service Facility
    5423090Algoma Branch514 Fifth Street, Algoma, WI 54201August 22, 2003Limited Service Facility
    6428767Forestville216 West Main Street, Forestville, WI 54213April 08, 2004Full Service Brick and Mortar
    743656510 Second Street Branch510 Second Street, Algoma, WI 54201January 01, 1924Full Service Brick and Mortar

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