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


Bank of Mauston - Overview

  • General
  • FDIC Certificate #: 12327
    Status: Active
    Federal Reserve ID: 601443
    Bank Holding Company (Regulatory Top Holder): Mauston Bancorp, Inc. (RSSDID: 1205857, Location: La Crosse, WI)
    Date Established: September 12, 1932
    WWW: http://www.bankofmauston.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 7839
    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: 503 Highway 82 East, Mauston, WI 53948
    County: Juneau
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $235.6 mil
    Equity capital: $26.8 mil
    Deposits held in domestic offices: $203.7 mil
    Return on assets (ROA): 2.25% ($5.3 mil)
    Quarterly return on assets: 1.83% ($4.3 mil)
    Return on Equity (ROE): 20.48% ($5.5 mil)
    Quarterly return on equity: 16.24% ($4.4 mil)
    Net income: $5.3 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 2.25% ($5,300.4 mil)
    Quarterly Pretax return on assets: 1.83% ($4,311.0 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
  • 61Total employees (full-time equivalent)
  • $235,575Total assets
  • $10,846Cash and due from depository institutions
  • $6,459Interest-bearing balances
  • $52,166Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $165,004Net loans & leases
  • $2,086Loan loss allowance
  • $0Trading account assets
  • $2,647Bank premises and fixed assets
  • $2,408Other real estate owned
  • $0Goodwill and other intangibles
  • $235,575Life insurance assets
  • $2,504All other assets
  • $208,818Total liabilities and capital
  • $203,650Total liabilities
  • $185,604Total deposits
  • $203,650Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 4254.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $914Subordinated debt
  • $26,757All other liabilities
  • $26,757Total equity capital
  • $26,757Total bank equity capital
  • $0Perpetual preferred stock
  • $280Common stock
  • $5,720Surplus
  • $20,757Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,699Income earned, not collected on loans
  • $0Earning assets
  • $1,317Long-term assets (5+ years)
  • $223,629Average Assets, year-to-date
  • $39,135Average Assets, quarterly
  • $237,467Volatile liabilities
  • $238,640Insider loans
  • $187,531FHLB advances
  • $237,689Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,104Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,177Restructured Loans and leases
  • $25Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,086Total interest income
  • $2,744Total interest expense
  • $9,342Net interest income
  • $960Provision for loan and lease losses
  • $2,486Total noninterest income
  • $0Fiduciary activities
  • $494Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,992Additional noninterest income
  • $5,533Total noninterest expense
  • $3,267Salaries and employee benefits
  • $606Premises and equipment expense
  • $1,660Additional noninterest expense
  • $5,335Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $5,335Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,335Net income attributable to bank
  • $0Net charge-offs
  • $5,335Cash dividends
  • $1,410Sale, conversion, retirement of capital stock, net
  • $3,794Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.36%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 4.14%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 2.45%Noninterest expense to earning assets
  • 2.25%Net operating income to assets
  • 2.25%Return on assets (ROA)
  • 2.25%Pretax return on assets
  • 20.48%Return on equity (ROE)
  • 5.91%Retained earnings to average equity (YTD only)
  • 0.84%Net charge-offs to loans
  • 68.09%Credit loss provision to net charge-offs
  • 4.46%Efficiency ratio
  • 46,779Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.12%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 27.09%Noncurrent assets plus other real estate owned to assets
  • 4.29%Noncurrent loans to loans
  • 4.61%Net loans and leases to deposits
  • 81.02%Net loans and leases to core deposits
  • 89.44%Equity capital to assets
  • 11.36%Core capital (leverage) ratio
  • 11.40%Tier 1 risk-based capital ratio
  • 14.45%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $237,467Average earning assets
  • $26,056Average equity
  • $225,489Average loans

List of branches

  • 6 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07839Bank Of Mauston503 Highway 82 East, Mauston, WI 53948September 12, 1932Full Service Brick and Mortar
    1226846Lyndon Station Branch149 Wisconsin Street, Lyndon Station, WI 53944Febuary 07, 1942Full Service Brick and Mortar
    3226848Mauston Division Street Branch103 Division Street, Mauston, WI 53948December 16, 1991Full Service Brick and Mortar
    4226849Dells-Delton Bank402 County Highway A, Wisconsin Dells, WI 53965December 01, 1997Full Service Brick and Mortar
    5359518New Lisbon Branch800 Germantown Road, New Lisbon, WI 53950March 05, 2001Full Service Brick and Mortar
    6443997Necedah Branch101 South Main Street, Necedah, WI 54646August 16, 2005Full Service Brick and Mortar

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