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


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

  • General
  • FDIC Certificate #: 11232
    Status: Active
    Federal Reserve ID: 426945
    Bank Holding Company (Regulatory Top Holder): Milton Bancshares, Inc. (RSSDID: 2342722, Location: Milton, WI)
    Date Established: March 25, 1884
    WWW: http://www.bankofmilton.com
    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 #: 13299
    FDIC's unique #: 7166
    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: June 14, 2010
    Last Data Update: June 14, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 323 Parkview Drive, Milton, WI 53563
    County: Rock
    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): Janesville-Beloit, WI (#3620)
    Core Based Statistical Area (CBSA): Janesville, WI (#27500)
    CBSA Metro Statistical Area: Janesville, WI (#27500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $81.2 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $69.7 mil
    Return on assets (ROA): 1.44% ($1.2 mil)
    Quarterly return on assets: 1.18% ($1.0 mil)
    Return on Equity (ROE): 16.95% ($1.2 mil)
    Quarterly return on equity: 14.36% ($1.0 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.44% ($1,169.3 mil)
    Quarterly Pretax return on assets: 1.18% ($958.2 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
  • 14Total employees (full-time equivalent)
  • $81,200Total assets
  • $8,624Cash and due from depository institutions
  • $202Interest-bearing balances
  • $14,451Securities
  • $1,391Federal funds sold & reverse repurchase agreements
  • $54,614Net loans & leases
  • $824Loan loss allowance
  • $0Trading account assets
  • $1,118Bank premises and fixed assets
  • $149Other real estate owned
  • $0Goodwill and other intangibles
  • $81,200Life insurance assets
  • $853All other assets
  • $74,560Total liabilities and capital
  • $69,682Total liabilities
  • $58,519Total deposits
  • $69,682Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,800Trading liabilities
  • $0Other borrowed funds
  • $78Subordinated debt
  • $6,640All other liabilities
  • $6,640Total equity capital
  • $6,640Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $2,654Surplus
  • $3,926Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $490Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $925Income earned, not collected on loans
  • $0Earning assets
  • $330Long-term assets (5+ years)
  • $70,658Average Assets, year-to-date
  • $6,718Average Assets, quarterly
  • $74,183Volatile liabilities
  • $79,206Insider loans
  • $63,574FHLB advances
  • $79,794Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,496Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,507Restructured Loans and leases
  • $166Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,713Total interest income
  • $711Total interest expense
  • $3,002Net interest income
  • $247Provision for loan and lease losses
  • $423Total noninterest income
  • $0Fiduciary activities
  • $112Service charges on deposit accounts
  • $0Trading account gains & fees
  • $311Additional noninterest income
  • $2,109Total noninterest expense
  • $1,210Salaries and employee benefits
  • $318Premises and equipment expense
  • $581Additional noninterest expense
  • $1,069Pre-tax net operating income
  • $0Securities gains (losses)
  • $1Applicable income taxes
  • $1,068Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,068Net income attributable to bank
  • $0Net charge-offs
  • $1,068Cash dividends
  • $207Sale, conversion, retirement of capital stock, net
  • $648Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 16.95%Return on equity (ROE)
  • 6.66%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 119.32%Credit loss provision to net charge-offs
  • 6.36%Efficiency ratio
  • 61,577Assets per employee
  • 5.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.67%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 89.08%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 78.38%Net loans and leases to core deposits
  • 88.01%Equity capital to assets
  • 8.18%Core capital (leverage) ratio
  • 8.14%Tier 1 risk-based capital ratio
  • 10.22%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $74,183Average earning assets
  • $6,302Average equity
  • $64,921Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07166Bank Of Milton323 Parkview Drive, Milton, WI 53563March 25, 1884Full Service Brick and Mortar
    1224163Edgerton Branch102 North Main Street, Edgerton, WI 53534July 31, 1998Full Service Brick and Mortar

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