Community Bank Spring Green and Plain in Spring Green, Wisconsin (WI)



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Community Bank Spring Green and Plain
GeneralFDIC Certificate #: 34174
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The Peoples Community Bank (#15046)
Federal Reserve ID: 2459992
Date Established: May 13, 1996
WWW: http://www.communitybankoffice.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 56831
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: May 13, 1996
Last Structure Change Effective Date: July 16, 2005
Last Structure Change Process Date: July 21, 2005
Last Data Update: July 21, 2005
Data Source Date: April 05, 2012
LocationAddress: 166 South Lexington Street, Spring Green, WI 53588
County: Sauk
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
Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
Core Based Statistical Area (CBSA): Baraboo, WI (#12660)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $71.1 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, 2004)
(Dollar figures in thousands)
Total employees (full-time equivalent)22
Total assets$75,950
Cash and due from depository institutions$2,569
Interest-bearing balances$79
Securities$3,392
Federal funds sold & reverse repurchase agreements$6,596
Net loans & leases$57,610
Loan loss allowance $667
Trading account assets$0
Bank premises and fixed assets$1,627
Other real estate owned$0
Goodwill and other intangibles$1,429
All other assets$2,727
Life insurance assets$0
Total liabilities and capital$75,950
Total liabilities$68,117
Total deposits$60,453
Interest-bearing deposits$52,552
Deposits held in domestic offices$60,453
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $7,000
Subordinated debt $0
All other liabilities $664
Total equity capital$7,833
Total bank equity capital$7,833
Perpetual preferred stock$7,833
Common stock$0
Surplus$109
Undivided profits $5,604
Memoranda
Noncurrent loans and leases $2,120
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $8,137
Income earned, not collected on loans $0
Earning assets $636
Long-term assets (5+ years) $0
Average Assets, year-to-date $309
Average Assets, quarterly $67,677
Volatile liabilities $1,171
Insider loans $73,800
FHLB advances $75,205
Loans and leases held for sale $21,167
Unused loan commitments $2,782
Tier 1 (core) risk-based capital $7,000
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $8,137
Restructured Loans and leases $0
Derivatives$667
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Income and Expense (December 31, 2004)
(Dollar figures in thousands)
Total interest income $3,708
Total interest expense $1,198
Net interest income $2,510
Provision for loan and lease losses $30
Total noninterest income $479
Fiduciary activities $0
Service charges on deposit accounts $222
Trading account gains & fees $0
Additional noninterest income $257
Total noninterest expense $2,161
Salaries and employee benefits $1,369
Premises and equipment expense $208
Additional noninterest expense $584
Pre-tax net operating income $798
Securities gains (losses) $2
Applicable income taxes $285
Income before extraordinary items $515
Extraordinary gains - net $0
Net income attributable to bank $515
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $85
Net operating income $55
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Performance and Condition Ratios (December 31, 2004)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.65%
Cost of funding earning assets 1.82%
Net interest margin 3.82%
Noninterest income to earning assets 0.73%
Noninterest expense to earning assets 3.29%
Net operating income to assets 0.70%
Return on assets (ROA) 0.70%
Pretax return on assets 1.08%
Return on equity (ROE) 6.74%
Retained earnings to average equity (YTD only) 6.02%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 35.29%
Efficiency ratio9.74%
Assets per employee$71,596
Cash dividends to net income (YTD only)3.45%
Condition Ratios (%)
Loss allowance to loans 10.68%
Loss allowance to noncurrent loans 1.14%
Noncurrent assets plus other real estate owned to assets 104.87%
Noncurrent loans to loans 0.84%
Net loans and leases to deposits1.09%
Net loans and leases to core deposits 95.30%
Equity capital to assets 127.21%
Core capital (leverage) ratio 10.31%
Tier 1 risk-based capital ratio 8.65%
Total risk-based capital ratio 11.29%
Memoranda
Average assets$12
Average earning assets$73,800
Average equity $7,638
Average loans $65,651
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