Community Bank CBD in Delavan, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank CBD in Delavan, Wisconsin (WI)
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Community Bank CBD - Overview

  • General
  • FDIC Certificate #: 34220
    Status: Active
    Federal Reserve ID: 2391494
    Bank Holding Company (Regulatory Top Holder): Delavan Bancshares, Inc. (RSSDID: 2390031, Location: Delavan, WI)
    Date Established: August 12, 1996
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 56978
    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: August 12, 1996
    Last Structure Change Effective Date: September 25, 2007
    Last Structure Change Process Date: October 05, 2007
    Last Data Update: October 05, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 820 East Geneva Street, Delavan, WI 53115
    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
  • Name Change
  • Financial Summary
  • Total assets: $244.7 mil
    Equity capital: $25.8 mil
    Deposits held in domestic offices: $195.1 mil
    Return on assets (ROA): 0.09% ($0.2 mil)
    Quarterly return on assets: -0.93% (-$2.3 mil)
    Return on Equity (ROE): 0.82% ($0.2 mil)
    Quarterly return on equity: -8.53% (-$2.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: -$0.6 mil
    Pretax return on assets: 0.01% ($24.5 mil)
    Quarterly Pretax return on assets: -1.67% (-$4,086.0 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
  • 47Total employees (full-time equivalent)
  • $244,669Total assets
  • $8,595Cash and due from depository institutions
  • $0Interest-bearing balances
  • $28,892Securities
  • $26,084Federal funds sold & reverse repurchase agreements
  • $161,828Net loans & leases
  • $2,493Loan loss allowance
  • $0Trading account assets
  • $6,772Bank premises and fixed assets
  • $1,862Other real estate owned
  • $130Goodwill and other intangibles
  • $244,669Life insurance assets
  • $10,506All other assets
  • $218,845Total liabilities and capital
  • $195,102Total liabilities
  • $159,593Total deposits
  • $195,102Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 3928.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,350Trading liabilities
  • $0Other borrowed funds
  • $3,465Subordinated debt
  • $25,824All other liabilities
  • $25,824Total equity capital
  • $25,824Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $15,845Surplus
  • $8,979Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $477Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,003Income earned, not collected on loans
  • $0Earning assets
  • $1,033Long-term assets (5+ years)
  • $216,804Average Assets, year-to-date
  • $15,711Average Assets, quarterly
  • $245,941Volatile liabilities
  • $241,417Insider loans
  • $173,500FHLB advances
  • $238,069Loans and leases held for sale
  • $5,620Unused loan commitments
  • $5,620Tier 1 (core) risk-based capital
  • $24,752Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $30,312Restructured Loans and leases
  • $7,311Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,666Total interest income
  • $2,949Total interest expense
  • $8,717Net interest income
  • $1,865Provision for loan and lease losses
  • $980Total noninterest income
  • $0Fiduciary activities
  • $347Service charges on deposit accounts
  • $0Trading account gains & fees
  • $633Additional noninterest income
  • $7,811Total noninterest expense
  • $3,100Salaries and employee benefits
  • $1,048Premises and equipment expense
  • $3,663Additional noninterest expense
  • $21Pre-tax net operating income
  • $0Securities gains (losses)
  • -$197Applicable income taxes
  • $218Income before extraordinary items
  • $0Extraordinary gains - net
  • $218Net income attributable to bank
  • $0Net charge-offs
  • $218Cash dividends
  • $3,620Sale, conversion, retirement of capital stock, net
  • $1,127Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 1.34%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.09%Net operating income to assets
  • 0.09%Return on assets (ROA)
  • 0.01%Pretax return on assets
  • 0.82%Return on equity (ROE)
  • -3.43%Retained earnings to average equity (YTD only)
  • 2.10%Net charge-offs to loans
  • 51.52%Credit loss provision to net charge-offs
  • 0.52%Efficiency ratio
  • 80,509Assets per employee
  • 5.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 516.97%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 124.46%Noncurrent assets plus other real estate owned to assets
  • 1.58%Noncurrent loans to loans
  • 1.22%Net loans and leases to deposits
  • 82.95%Net loans and leases to core deposits
  • 97.96%Equity capital to assets
  • 10.55%Core capital (leverage) ratio
  • 10.40%Tier 1 risk-based capital ratio
  • 14.27%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $245,941Average earning assets
  • $26,496Average equity
  • $220,676Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056978Community Bank Cbd820 East Geneva Street, Delavan, WI 53115August 12, 1996Full Service Brick and Mortar
    18374Sharon Branch114 Plain Street, Sharon, WI 53585December 14, 1874Full Service Brick and Mortar
    3469756Clinton Branch501 Ogden Avenue, Clinton, WI 53525December 17, 2007Full Service Brick and Mortar
    4491906Lake Geneva Branch200 Interchange North, Lake Geneva, WI 53147June 22, 2009Full Service Brick and Mortar

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