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

  • Citizens Bank of Mukwonago in Mukwonago, Wisconsin (WI)
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Citizens Bank of Mukwonago - Overview

  • General
  • FDIC Certificate #: 13055
    Status: Active
    Federal Reserve ID: 783844
    Bank Holding Company (Regulatory Top Holder): Citizens Bank Holding, Inc. (RSSDID: 1207132, Location: Mukwonago, WI)
    Date Established: December 12, 1892
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 12655
    FDIC's unique #: 8252
    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: January 01, 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: 301 North Rochester, Mukwonago, WI 53149
    County: Waukesha
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $651.0 mil
    Equity capital: $73.2 mil
    Deposits held in domestic offices: $577.4 mil
    Return on assets (ROA): 0.65% ($4.2 mil)
    Quarterly return on assets: 0.68% ($4.4 mil)
    Return on Equity (ROE): 5.78% ($4.2 mil)
    Quarterly return on equity: 5.99% ($4.4 mil)
    Net income: $4.1 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.92% ($5,989.6 mil)
    Quarterly Pretax return on assets: 1.03% ($6,705.7 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
  • 159Total employees (full-time equivalent)
  • $651,040Total assets
  • $57,091Cash and due from depository institutions
  • $42,406Interest-bearing balances
  • $112,083Securities
  • $2,566Federal funds sold & reverse repurchase agreements
  • $447,292Net loans & leases
  • $8,727Loan loss allowance
  • $0Trading account assets
  • $9,148Bank premises and fixed assets
  • $7,542Other real estate owned
  • $2,301Goodwill and other intangibles
  • $651,040Life insurance assets
  • $13,017All other assets
  • $577,846Total liabilities and capital
  • $577,438Total liabilities
  • $498,780Total deposits
  • $577,438Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $408Subordinated debt
  • $73,194All other liabilities
  • $73,194Total equity capital
  • $73,194Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $9,000Surplus
  • $62,944Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $10,681Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,621Income earned, not collected on loans
  • $97Earning assets
  • $1,863Long-term assets (5+ years)
  • $604,347Average Assets, year-to-date
  • $62,157Average Assets, quarterly
  • $631,478Volatile liabilities
  • $639,094Insider loans
  • $425,096FHLB advances
  • $627,681Loans and leases held for sale
  • $5,196Unused loan commitments
  • $5,196Tier 1 (core) risk-based capital
  • $72,766Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $48,553Restructured Loans and leases
  • $2,168Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,023Total interest income
  • $4,915Total interest expense
  • $21,108Net interest income
  • $3,400Provision for loan and lease losses
  • $4,381Total noninterest income
  • $0Fiduciary activities
  • $738Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,643Additional noninterest income
  • $16,255Total noninterest expense
  • $8,955Salaries and employee benefits
  • $2,104Premises and equipment expense
  • $5,196Additional noninterest expense
  • $5,834Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,734Applicable income taxes
  • $4,100Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,100Net income attributable to bank
  • $0Net charge-offs
  • $4,100Cash dividends
  • $3,050Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.58%Net interest margin
  • 0.74%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 5.78%Return on equity (ROE)
  • 5.50%Retained earnings to average equity (YTD only)
  • 0.70%Net charge-offs to loans
  • 111.48%Credit loss provision to net charge-offs
  • 3.03%Efficiency ratio
  • 63,726Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.88%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 32.78%Noncurrent assets plus other real estate owned to assets
  • 5.25%Noncurrent loans to loans
  • 5.84%Net loans and leases to deposits
  • 77.46%Net loans and leases to core deposits
  • 80.88%Equity capital to assets
  • 11.24%Core capital (leverage) ratio
  • 11.59%Tier 1 risk-based capital ratio
  • 17.12%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $631,478Average earning assets
  • $70,889Average equity
  • $588,927Average loans

List of branches

  • 14 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08252Citizens Bank Of Mukwonago301 North Rochester, Mukwonago, WI 53149December 12, 1892Full Service Brick and Mortar
    1228815Big Bend BranchW230 S9125 Clark Street, Big Bend, WI 53103June 26, 1937Full Service Brick and Mortar
    2228816Genesee Depot BranchW307 S4821 Highway 83, Genesee Depot, WI 53127March 18, 1985Full Service Brick and Mortar
    3228817Vernon BranchW236 S7050 Big Bend Drive, Big Bend, WI 53103June 13, 1989Full Service Brick and Mortar
    4228818Riverview Center Branch827 South Rochester Street, Mukwonago, WI 53149October 05, 1992Full Service Brick and Mortar
    5228819Muskego BranchS74 W17005 South Janesville Road, Muskego, WI 53150September 18, 1995Full Service Retail
    6228820East Troy Branch3238 West Main Street, East Troy, WI 53120November 13, 1996Full Service Retail
    7228821Linden Grove Nursing Home Branch841 County Nn East, Mukwonago, WI 53149Febuary 18, 1997Limited Service Mobile
    8228822Eagle BranchS90 W35680 Highway Nn, Eagle, WI 53119September 21, 1999Full Service Brick and Mortar
    9228823New Berlin Branch5450 South Moorland Road, New Berlin, WI 53151December 13, 1999Full Service Brick and Mortar
    10363725Parkview Branch1010 North Rochester Street, Mukwonago, WI 53149May 20, 2002Full Service Retail
    11426770East Brook Branch2541a Main Street, East Troy, WI 53120Febuary 02, 2004Full Service Brick and Mortar
    12441899Waukesha Branch2109 Corporate Drive, Waukesha, WI 53189July 05, 2005Full Service Brick and Mortar
    13507806Muskego Senior Center FacilityW181 S8540 Lodge Boulevard, Muskego, WI 53150April 20, 2010Limited Service Mobile

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