Commercial Bank in Whitewater, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Commercial Bank in Whitewater, Wisconsin (WI)
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Commercial Bank - Overview

  • General
  • FDIC Certificate #: 12518
    Status: Active
    Federal Reserve ID: 90645
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares, Inc. (RSSDID: 3374896, Location: Whitewater, WI)
    Date Established: July 03, 1913
    WWW: http://www.commercialbankcom
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 7966
    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: 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: 200 South Fremont Street, Whitewater, WI 53190
    County: Walworth
    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
    Core Based Statistical Area (CBSA): Whitewater, WI (#48580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $101.1 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $89.9 mil
    Return on assets (ROA): 0.12% ($0.1 mil)
    Quarterly return on assets: 0.17% ($0.2 mil)
    Return on Equity (ROE): 1.10% ($0.1 mil)
    Quarterly return on equity: 1.71% ($0.2 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.13% ($131.4 mil)
    Quarterly Pretax return on assets: 0.22% ($222.4 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
  • 27Total employees (full-time equivalent)
  • $101,073Total assets
  • $28,337Cash and due from depository institutions
  • $0Interest-bearing balances
  • $27,323Securities
  • $4,500Federal funds sold & reverse repurchase agreements
  • $39,068Net loans & leases
  • $451Loan loss allowance
  • $0Trading account assets
  • $1,022Bank premises and fixed assets
  • $286Other real estate owned
  • $0Goodwill and other intangibles
  • $101,073Life insurance assets
  • $537All other assets
  • $90,996Total liabilities and capital
  • $89,872Total liabilities
  • $75,677Total deposits
  • $89,872Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 976.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $148Subordinated debt
  • $10,077All other liabilities
  • $10,077Total equity capital
  • $10,077Total bank equity capital
  • $0Perpetual preferred stock
  • $135Common stock
  • $4,850Surplus
  • $5,092Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $612Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $261Income earned, not collected on loans
  • $16Earning assets
  • $256Long-term assets (5+ years)
  • $70,891Average Assets, year-to-date
  • $8,781Average Assets, quarterly
  • $95,335Volatile liabilities
  • $99,006Insider loans
  • $46,957FHLB advances
  • $97,373Loans and leases held for sale
  • $35Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,947Tier 2 risk-based capital
  • $35Total risk weighted assets
  • $0Total unused commitments
  • $2,458Restructured Loans and leases
  • $235Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,696Total interest income
  • $571Total interest expense
  • $2,125Net interest income
  • $0Provision for loan and lease losses
  • $363Total noninterest income
  • $0Fiduciary activities
  • $155Service charges on deposit accounts
  • $0Trading account gains & fees
  • $208Additional noninterest income
  • $2,361Total noninterest expense
  • $1,229Salaries and employee benefits
  • $324Premises and equipment expense
  • $808Additional noninterest expense
  • $127Pre-tax net operating income
  • $0Securities gains (losses)
  • $17Applicable income taxes
  • $110Income before extraordinary items
  • $0Extraordinary gains - net
  • $110Net income attributable to bank
  • $0Net charge-offs
  • $110Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $5Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.78%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 2.98%Net interest margin
  • 0.51%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 1.10%Return on equity (ROE)
  • 1.05%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 94,895Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.55%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 172.80%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.66%Net loans and leases to deposits
  • 43.47%Net loans and leases to core deposits
  • 45.77%Equity capital to assets
  • 9.97%Core capital (leverage) ratio
  • 10.22%Tier 1 risk-based capital ratio
  • 21.18%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $95,335Average earning assets
  • $9,981Average equity
  • $71,286Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $788Managed Assets
  • 1Number of Accounts
  • $788Personal trust and agency accounts
  • $788Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07966Commercial Bank200 South Fremont Street, Whitewater, WI 53190July 03, 1913Full Service Brick and Mortar
    1227301Walk-In Facility1260 West Main Street, Whitewater, WI 53190June 05, 1975Limited Service Retail
    2227302Janesville Branch1400 Black Bridge Road, Janesville, WI 53545November 25, 1991Full Service Brick and Mortar
    3227303West Towne Branch1260 West Main Street, Whitewater, WI 53190August 20, 1997Full Service Retail

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