Bank of Ontario in city_name, state_name - Detailed Financial Reports, Location

Bank of Ontario in Ontario, Wisconsin (WI)
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Bank of Ontario routing number info

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
WWW: http://www.myvernoncountybank.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)
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

No	ID	Name	Address	Established	Service Type	Map
0	14572	Bank Of Ontario	315 Main Street, Ontario, WI 54651	September 23, 1911	Full Service Brick and Mortar
2	9517	Genoa Branch	Main Street, Genoa, WI 54632	January 01, 1909	Full Service Brick and Mortar

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

Bank of Ontario - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Bank of Ontario - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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