Bonduel State Bank in Bonduel, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bonduel State Bank in Bonduel, Wisconsin (WI)
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Bonduel State Bank - Overview

  • General
  • FDIC Certificate #: 11235
    Status: Active
    Federal Reserve ID: 35646
    Bank Holding Company (Regulatory Top Holder): Bonduel Bancorp, Inc. (RSSDID: 1839252, Location: Bonduel, WI)
    Date Established: September 21, 1906
    WWW: http://www.bonduelbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13510
    FDIC's unique #: 7168
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 09, 2008
    Last Structure Change Process Date: January 16, 2009
    Last Data Update: January 16, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 130 North Cecil Street, Bonduel, WI 54107
    County: Shawano
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $48.4 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $37.0 mil
    Return on assets (ROA): 1.26% ($0.6 mil)
    Quarterly return on assets: 1.26% ($0.6 mil)
    Return on Equity (ROE): 5.45% ($0.6 mil)
    Quarterly return on equity: 5.40% ($0.6 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.30% ($628.8 mil)
    Quarterly Pretax return on assets: 1.31% ($633.6 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
  • 8Total employees (full-time equivalent)
  • $48,369Total assets
  • $8,634Cash and due from depository institutions
  • $2,445Interest-bearing balances
  • $22,164Securities
  • $1,250Federal funds sold & reverse repurchase agreements
  • $15,046Net loans & leases
  • $214Loan loss allowance
  • $0Trading account assets
  • $165Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $48,369Life insurance assets
  • $1,110All other assets
  • $37,485Total liabilities and capital
  • $37,016Total liabilities
  • $30,504Total deposits
  • $37,016Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $469Subordinated debt
  • $10,884All other liabilities
  • $10,884Total equity capital
  • $10,884Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $1,900Surplus
  • $8,734Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $151Income earned, not collected on loans
  • $57Earning assets
  • $264Long-term assets (5+ years)
  • $40,905Average Assets, year-to-date
  • $12,736Average Assets, quarterly
  • $48,813Volatile liabilities
  • $48,080Insider loans
  • $19,467FHLB advances
  • $47,738Loans and leases held for sale
  • $623Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,837Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $623Total unused commitments
  • $1,157Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,849Total interest income
  • $300Total interest expense
  • $1,549Net interest income
  • $25Provision for loan and lease losses
  • $167Total noninterest income
  • $0Fiduciary activities
  • $64Service charges on deposit accounts
  • $0Trading account gains & fees
  • $103Additional noninterest income
  • $1,055Total noninterest expense
  • $710Salaries and employee benefits
  • $47Premises and equipment expense
  • $298Additional noninterest expense
  • $636Pre-tax net operating income
  • $0Securities gains (losses)
  • $23Applicable income taxes
  • $613Income before extraordinary items
  • $0Extraordinary gains - net
  • $613Net income attributable to bank
  • $0Net charge-offs
  • $613Cash dividends
  • $56Sale, conversion, retirement of capital stock, net
  • $932Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.48%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.30%Pretax return on assets
  • 5.45%Return on equity (ROE)
  • -2.84%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 44.64%Credit loss provision to net charge-offs
  • 11.80%Efficiency ratio
  • 61,480Assets per employee
  • 6.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 152.04%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 141.72%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 40.65%Net loans and leases to core deposits
  • 41.32%Equity capital to assets
  • 22.50%Core capital (leverage) ratio
  • 22.70%Tier 1 risk-based capital ratio
  • 55.67%Total risk-based capital ratio
  • Memoranda
  • $57Average assets
  • $48,813Average earning assets
  • $11,250Average equity
  • $42,594Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07168Bonduel State Bank130 North Cecil Street, Bonduel, WI 54107September 21, 1906Full Service Brick and Mortar

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