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

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

  • General
  • FDIC Certificate #: 21085
    Status: Active
    Federal Reserve ID: 37341
    Bank Holding Company (Regulatory Top Holder): Ontario Bancorporation, Inc. (RSSDID: 1209592, Location: Ontario, WI)
    Date Established: September 23, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 14572
    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: Consumer Lending Specialization
    Date of Deposit Insurance: May 15, 1973
    Last Structure Change Effective Date: May 18, 2011
    Last Structure Change Process Date: May 18, 2011
    Last Data Update: May 18, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 315 Main Street, Ontario, WI 54651
    County: Vernon
    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
  • Financial Summary
  • Total assets: $33.4 mil
    Equity capital: $3.8 mil
    Deposits held in domestic offices: $29.1 mil
    Return on assets (ROA): 1.52% ($0.5 mil)
    Quarterly return on assets: 1.60% ($0.5 mil)
    Return on Equity (ROE): 14.29% ($0.6 mil)
    Quarterly return on equity: 14.33% ($0.6 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.52% ($508.1 mil)
    Quarterly Pretax return on assets: 1.60% ($534.8 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
  • 12Total employees (full-time equivalent)
  • $33,428Total assets
  • $1,706Cash and due from depository institutions
  • $1,194Interest-bearing balances
  • $370Securities
  • $3,082Federal funds sold & reverse repurchase agreements
  • $26,791Net loans & leases
  • $547Loan loss allowance
  • $0Trading account assets
  • $263Bank premises and fixed assets
  • $66Other real estate owned
  • $0Goodwill and other intangibles
  • $33,428Life insurance assets
  • $1,150All other assets
  • $29,655Total liabilities and capital
  • $29,051Total liabilities
  • $24,727Total deposits
  • $29,051Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $604Subordinated debt
  • $3,773All other liabilities
  • $3,773Total equity capital
  • $3,773Total bank equity capital
  • $0Perpetual preferred stock
  • $148Common stock
  • $752Surplus
  • $2,873Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $738Income earned, not collected on loans
  • $0Earning assets
  • $188Long-term assets (5+ years)
  • $31,437Average Assets, year-to-date
  • $3,063Average Assets, quarterly
  • $33,336Volatile liabilities
  • $33,315Insider loans
  • $22,730FHLB advances
  • $33,618Loans and leases held for sale
  • $852Unused loan commitments
  • $852Tier 1 (core) risk-based capital
  • $3,773Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,429Restructured Loans and leases
  • $26Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,060Total interest income
  • $400Total interest expense
  • $1,660Net interest income
  • $99Provision for loan and lease losses
  • $222Total noninterest income
  • $0Fiduciary activities
  • $102Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $1,276Total noninterest expense
  • $667Salaries and employee benefits
  • $100Premises and equipment expense
  • $509Additional noninterest expense
  • $507Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $507Income before extraordinary items
  • $0Extraordinary gains - net
  • $507Net income attributable to bank
  • $0Net charge-offs
  • $507Cash dividends
  • $99Sale, conversion, retirement of capital stock, net
  • $156Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.61%Yield on earning assets
  • 1.28%Cost of funding earning assets
  • 5.32%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.52%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 14.29%Return on equity (ROE)
  • 9.90%Retained earnings to average equity (YTD only)
  • 0.37%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 6.12%Efficiency ratio
  • 67,800Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.77%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 74.12%Noncurrent assets plus other real estate owned to assets
  • 2.41%Noncurrent loans to loans
  • 2.70%Net loans and leases to deposits
  • 92.22%Net loans and leases to core deposits
  • 99.97%Equity capital to assets
  • 11.29%Core capital (leverage) ratio
  • 11.22%Tier 1 risk-based capital ratio
  • 16.60%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $33,336Average earning assets
  • $3,547Average equity
  • $31,186Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014572Bank Of Ontario315 Main Street, Ontario, WI 54651September 23, 1911Full Service Brick and Mortar
    29517Genoa BranchMain Street, Genoa, WI 54632January 01, 1909Full Service Brick and Mortar

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