Community Bank Financial in Oconto Falls, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 12, 2007

  • Community Bank Financial in Oconto Falls, Wisconsin (WI)
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Community Bank Financial - Overview

  • General
  • FDIC Certificate #: 32724
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Lincoln State Bank (#13028)
    Federal Reserve ID: 1413090
    Date Established: November 27, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 12533
    FDIC's unique #: 45587
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 27, 1989
    Last Structure Change Effective Date: November 12, 2007
    Last Structure Change Process Date: December 03, 2007
    Last Data Update: December 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 Cherry Avenue, Oconto Falls, WI 54154
    County: Oconto
    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
    Core Based Statistical Area (CBSA): Green Bay, WI (#24580)
    CBSA Metro Statistical Area: Green Bay, WI (#24580)
  • Financial Summary
  • Total assets: $101.0 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, 2006)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $100,088Total assets
  • $3,968Cash and due from depository institutions
  • $8Interest-bearing balances
  • $11,704Securities
  • $4,994Federal funds sold & reverse repurchase agreements
  • $75,018Net loans & leases
  • $538Loan loss allowance
  • $0Trading account assets
  • $3,451Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $30Life insurance assets
  • $953All other assets
  • $100,088Total liabilities and capital
  • $92,349Total liabilities
  • $90,748Total deposits
  • $82,231Interest-bearing deposits
  • $90,748Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,000Other borrowed funds
  • $0Subordinated debt
  • $601All other liabilities
  • $7,739Total equity capital
  • $7,739Total bank equity capital
  • $7,739Perpetual preferred stock
  • $0Common stock
  • $1,280Surplus
  • $1,220Undivided profits
  • Memoranda
  • $5,239Noncurrent loans and leases
  • $15,612Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $790Earning assets
  • $0Long-term assets (5+ years)
  • $511Average Assets, year-to-date
  • $91,724Average Assets, quarterly
  • $6,330Volatile liabilities
  • $95,352Insider loans
  • $98,217FHLB advances
  • $13,990Loans and leases held for sale
  • $5,721Unused loan commitments
  • $1,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $15,612Total unused commitments
  • $0Restructured Loans and leases
  • $538Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $6,140Total interest income
  • $2,722Total interest expense
  • $3,418Net interest income
  • $0Provision for loan and lease losses
  • $521Total noninterest income
  • $0Fiduciary activities
  • $365Service charges on deposit accounts
  • $0Trading account gains & fees
  • $156Additional noninterest income
  • $3,219Total noninterest expense
  • $1,848Salaries and employee benefits
  • $512Premises and equipment expense
  • $859Additional noninterest expense
  • $720Pre-tax net operating income
  • $0Securities gains (losses)
  • $195Applicable income taxes
  • $525Income before extraordinary items
  • $0Extraordinary gains - net
  • $525Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $97Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.02%Yield on earning assets
  • 3.11%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 7.06%Return on equity (ROE)
  • 7.06%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 7.42%Efficiency ratio
  • 81,721Assets per employee
  • 2.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.71%Loss allowance to noncurrent loans
  • 68.10%Noncurrent assets plus other real estate owned to assets
  • 0.79%Noncurrent loans to loans
  • 1.05%Net loans and leases to deposits
  • 82.67%Net loans and leases to core deposits
  • 97.73%Equity capital to assets
  • 7.73%Core capital (leverage) ratio
  • 8.12%Tier 1 risk-based capital ratio
  • 9.62%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $95,352Average earning assets
  • $7,435Average equity
  • $87,485Average loans

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