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

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

  • General
  • FDIC Certificate #: 14823
    Status: Active
    Federal Reserve ID: 43744
    Bank Holding Company (Regulatory Top Holder): John T. Vucurevich Foundation (RSSDID: 3613504, Location: Rapid City, SD)
    Date Established: January 01, 1892
    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 #: 13954
    FDIC's unique #: 9277
    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: Commercial Lending Specialization
    Date of Deposit Insurance: October 23, 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: 221 West Main Street, Cambridge, WI 53523
    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: $81.6 mil
    Equity capital: $11.2 mil
    Deposits held in domestic offices: $60.7 mil
    Return on assets (ROA): -0.28% (-$0.2 mil)
    Quarterly return on assets: 0.87% ($0.7 mil)
    Return on Equity (ROE): -2.05% (-$0.2 mil)
    Quarterly return on equity: 6.22% ($0.7 mil)
    Net income: -$0.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -0.52% (-$424.4 mil)
    Quarterly Pretax return on assets: -0.11% (-$89.8 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
  • 15Total employees (full-time equivalent)
  • $81,621Total assets
  • $12,111Cash and due from depository institutions
  • $10,497Interest-bearing balances
  • $18,246Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $43,417Net loans & leases
  • $5,874Loan loss allowance
  • $0Trading account assets
  • $978Bank premises and fixed assets
  • $882Other real estate owned
  • $0Goodwill and other intangibles
  • $81,621Life insurance assets
  • $5,987All other assets
  • $70,419Total liabilities and capital
  • $60,706Total liabilities
  • $54,592Total deposits
  • $60,706Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,500Trading liabilities
  • $0Other borrowed funds
  • $213Subordinated debt
  • $11,202All other liabilities
  • $11,202Total equity capital
  • $11,202Total bank equity capital
  • $0Perpetual preferred stock
  • $1,100Common stock
  • $12,725Surplus
  • $-2,623Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,623Income earned, not collected on loans
  • $0Earning assets
  • $262Long-term assets (5+ years)
  • $72,160Average Assets, year-to-date
  • $2,516Average Assets, quarterly
  • $83,022Volatile liabilities
  • $79,827Insider loans
  • $61,872FHLB advances
  • $76,370Loans and leases held for sale
  • $1,875Unused loan commitments
  • $1,409Tier 1 (core) risk-based capital
  • $8,589Tier 2 risk-based capital
  • $466Total risk weighted assets
  • $0Total unused commitments
  • $3,137Restructured Loans and leases
  • $412Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,028Total interest income
  • $1,174Total interest expense
  • $1,854Net interest income
  • $0Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $132Service charges on deposit accounts
  • $0Trading account gains & fees
  • $308Additional noninterest income
  • $2,725Total noninterest expense
  • $1,093Salaries and employee benefits
  • $166Premises and equipment expense
  • $1,466Additional noninterest expense
  • -$431Pre-tax net operating income
  • $0Securities gains (losses)
  • -$200Applicable income taxes
  • -$231Income before extraordinary items
  • $0Extraordinary gains - net
  • -$231Net income attributable to bank
  • $0Net charge-offs
  • -$231Cash dividends
  • $432Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 1.60%Cost of funding earning assets
  • 2.53%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.72%Noninterest expense to earning assets
  • -0.28%Net operating income to assets
  • -0.28%Return on assets (ROA)
  • -0.52%Pretax return on assets
  • -2.05%Return on equity (ROE)
  • -2.05%Retained earnings to average equity (YTD only)
  • 0.78%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -1.00%Efficiency ratio
  • 118,788Assets per employee
  • 5.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 11.92%Loss allowance to noncurrent loans
  • 68.12%Noncurrent assets plus other real estate owned to assets
  • 11.65%Noncurrent loans to loans
  • 17.49%Net loans and leases to deposits
  • 71.52%Net loans and leases to core deposits
  • 80.10%Equity capital to assets
  • 13.72%Core capital (leverage) ratio
  • 11.25%Tier 1 risk-based capital ratio
  • 13.88%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $83,022Average earning assets
  • $11,269Average equity
  • $73,202Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09277Cambridge State Bank221 West Main Street, Cambridge, WI 53523January 01, 1892Full Service Brick and Mortar

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