FDIC Certificate #: 23537 Status: Active Federal Reserve ID: 408642 Bank Holding Company (Regulatory Top Holder): Bankers' Bancorporation, Inc. (RSSDID: 1209958, Location: Madison, WI) Date Established: September 01, 1981 WWW:http://www.bankersbankusa.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 16484 Numeric code: 13 Regulator: FED 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: September 01, 1981 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: 7700 Mineral Point Road, Madison, WI 53717 County: Dane 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): Madison, WI (#4720) Combined Statistical Area (CSA): Madison-Baraboo, WI (#358) Core Based Statistical Area (CBSA): Madison, WI (#31540) CBSA Metro Statistical Area: Madison, WI (#31540)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $417.2 mil Equity capital: $51.0 mil Deposits held in domestic offices: $215.1 mil Return on assets (ROA): 0.28% ($1.2 mil) Quarterly return on assets: 0.89% ($3.7 mil) Return on Equity (ROE): 2.56% ($1.3 mil) Quarterly return on equity: 8.12% ($4.1 mil) Net income: $1.3 mil Quarterly Net income: $1.0 mil Pretax return on assets: 0.46% ($1,919.1 mil) Quarterly Pretax return on assets: 1.63% ($6,800.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
103Total employees (full-time equivalent)
$417,187Total assets
$149,215Cash and due from depository institutions
$146,584Interest-bearing balances
$4,440Securities
$107,122Federal funds sold & reverse repurchase agreements
$130,606Net loans & leases
$13,760Loan loss allowance
$0Trading account assets
$3,137Bank premises and fixed assets
$2,709Other real estate owned
$1,848Goodwill and other intangibles
$417,188Life insurance assets
$18,110All other assets
$366,145Total liabilities and capital
$215,104Total liabilities
$18,391Total deposits
$215,104Interest-bearing deposits
$86Deposits held in domestic offices
141316.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,223Trading liabilities
$0Other borrowed funds
$5,502Subordinated debt
$51,043All other liabilities
$51,043Total equity capital
$51,043Total bank equity capital
$0Perpetual preferred stock
$4,257Common stock
$6,831Surplus
$39,955Undivided profits
Memoranda
$0Noncurrent loans and leases
$7,351Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$14,760Income earned, not collected on loans
$0Earning assets
$625Long-term assets (5+ years)
$388,752Average Assets, year-to-date
$2,505Average Assets, quarterly
$460,009Volatile liabilities
$462,468Insider loans
$184,357FHLB advances
$452,196Loans and leases held for sale
$8,746Unused loan commitments
$6,962Tier 1 (core) risk-based capital
$50,889Tier 2 risk-based capital
$0Total risk weighted assets
$1,784Total unused commitments
$58,381Restructured Loans and leases
$3,275Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,411Total interest income
$776Total interest expense
$7,635Net interest income
$6,634Provision for loan and lease losses
$21,366Total noninterest income
$0Fiduciary activities
$8,533Service charges on deposit accounts
$1,239Trading account gains & fees
$11,594Additional noninterest income
$20,081Total noninterest expense
$9,561Salaries and employee benefits
$838Premises and equipment expense
$9,682Additional noninterest expense
$2,286Pre-tax net operating income
-$150Securities gains (losses)
$866Applicable income taxes
$1,270Income before extraordinary items
$0Extraordinary gains - net
$1,270Net income attributable to bank
$0Net charge-offs
$1,270Cash dividends
$6,856Sale, conversion, retirement of capital stock, net
$50Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.98%Yield on earning assets
0.18%Cost of funding earning assets
1.79%Net interest margin
5.02%Noninterest income to earning assets
4.72%Noninterest expense to earning assets
0.30%Net operating income to assets
0.28%Return on assets (ROA)
0.46%Pretax return on assets
2.56%Return on equity (ROE)
2.46%Retained earnings to average equity (YTD only)
4.37%Net charge-offs to loans
96.76%Credit loss provision to net charge-offs
1.30%Efficiency ratio
69,242Assets per employee
4.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
3.94%Loss allowance to loans
9.53%Loss allowance to noncurrent loans
93.22%Noncurrent assets plus other real estate owned to assets
4.21%Noncurrent loans to loans
10.22%Net loans and leases to deposits
60.72%Net loans and leases to core deposits
62.16%Equity capital to assets
12.24%Core capital (leverage) ratio
11.25%Tier 1 risk-based capital ratio
27.60%Total risk-based capital ratio
Memoranda
$29Average assets
$460,009Average earning assets
$49,648Average equity
$425,490Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
16484
Bankers' Bank
7700 Mineral Point Road, Madison, WI 53717
September 01, 1981
Full Service Brick and Mortar
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