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

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

  • General
  • FDIC Certificate #: 9523
    Status: Active
    Federal Reserve ID: 807348
    Bank Holding Company (Regulatory Top Holder): Oakfield Bancorp., Inc. (RSSDID: 2736899, Location: Oakfield, WI)
    Date Established: January 01, 1901
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6120
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural 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: 103 South Main Street, Oakfield, WI 53065
    County: Fond Du Lac
    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
    Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
    Core Based Statistical Area (CBSA): Fond du Lac, WI (#22540)
    CBSA Metro Statistical Area: Fond du Lac, WI (#22540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $80.3 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $70.4 mil
    Return on assets (ROA): 0.69% ($0.6 mil)
    Quarterly return on assets: 0.75% ($0.6 mil)
    Return on Equity (ROE): 7.42% ($0.6 mil)
    Quarterly return on equity: 7.70% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.94% ($754.7 mil)
    Quarterly Pretax return on assets: 1.06% ($851.1 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
  • 22Total employees (full-time equivalent)
  • $80,288Total assets
  • $8,845Cash and due from depository institutions
  • $5,982Interest-bearing balances
  • $15,232Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $50,981Net loans & leases
  • $588Loan loss allowance
  • $0Trading account assets
  • $2,236Bank premises and fixed assets
  • $663Other real estate owned
  • $0Goodwill and other intangibles
  • $80,287Life insurance assets
  • $2,331All other assets
  • $72,533Total liabilities and capital
  • $70,388Total liabilities
  • $61,710Total deposits
  • $70,388Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,500Trading liabilities
  • $0Other borrowed funds
  • $645Subordinated debt
  • $7,754All other liabilities
  • $7,754Total equity capital
  • $7,754Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $1,503Surplus
  • $5,501Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $372Income earned, not collected on loans
  • $0Earning assets
  • $325Long-term assets (5+ years)
  • $72,195Average Assets, year-to-date
  • $10,351Average Assets, quarterly
  • $76,310Volatile liabilities
  • $78,428Insider loans
  • $56,280FHLB advances
  • $78,049Loans and leases held for sale
  • $1,485Unused loan commitments
  • $1,485Tier 1 (core) risk-based capital
  • $7,439Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,905Restructured Loans and leases
  • $635Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,783Total interest income
  • $791Total interest expense
  • $2,992Net interest income
  • $225Provision for loan and lease losses
  • $421Total noninterest income
  • $0Fiduciary activities
  • $134Service charges on deposit accounts
  • $0Trading account gains & fees
  • $287Additional noninterest income
  • $2,550Total noninterest expense
  • $1,279Salaries and employee benefits
  • $336Premises and equipment expense
  • $935Additional noninterest expense
  • $638Pre-tax net operating income
  • $81Securities gains (losses)
  • $189Applicable income taxes
  • $530Income before extraordinary items
  • $0Extraordinary gains - net
  • $530Net income attributable to bank
  • $0Net charge-offs
  • $530Cash dividends
  • $375Sale, conversion, retirement of capital stock, net
  • $64Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.45%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 4.31%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 7.42%Return on equity (ROE)
  • 6.53%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 60.00%Credit loss provision to net charge-offs
  • 2.30%Efficiency ratio
  • 74,714Assets per employee
  • 3.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.08%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 158.06%Noncurrent assets plus other real estate owned to assets
  • 2.22%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 72.43%Net loans and leases to core deposits
  • 78.10%Equity capital to assets
  • 9.66%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 13.22%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $76,310Average earning assets
  • $7,142Average equity
  • $69,431Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06120Bank Of Oakfield103 South Main Street, Oakfield, WI 53065January 01, 1901Full Service Brick and Mortar
    1228789Van Dyne BranchN9525 Van Dyne Road, Van Dyne, WI 54979March 12, 1969Full Service Brick and Mortar
    2227874Brandon Branch127 Main Street, Brandon, WI 53919January 13, 1941Full Service Brick and Mortar

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