Community Bank & Trust in Sheboygan, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank & Trust - Overview

  • General
  • FDIC Certificate #: 27507
    Status: Active
    Federal Reserve ID: 1393624
    Bank Holding Company (Regulatory Top Holder): Community Banc-Corp Of Sheboygan, Inc. (RSSDID: 1125843, Location: Sheboygan, WI)
    Date Established: May 15, 1989
    WWW: http://www.communitybankandtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 13375
    FDIC's unique #: 40240
    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: May 15, 1989
    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: 604 North 8th Street, Sheboygan, WI 53081
    County: Sheboygan
    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): Sheboygan, WI (#7620)
    Core Based Statistical Area (CBSA): Sheboygan, WI (#43100)
    CBSA Metro Statistical Area: Sheboygan, WI (#43100)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $579.5 mil
    Equity capital: $58.0 mil
    Deposits held in domestic offices: $474.9 mil
    Return on assets (ROA): -0.10% (-$0.6 mil)
    Quarterly return on assets: -0.85% (-$4.9 mil)
    Return on Equity (ROE): -0.97% (-$0.6 mil)
    Quarterly return on equity: -8.29% (-$4.8 mil)
    Net income: -$0.6 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: -0.23% (-$1,332.9 mil)
    Quarterly Pretax return on assets: -1.47% (-$8,518.9 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
  • 169Total employees (full-time equivalent)
  • $579,519Total assets
  • $63,310Cash and due from depository institutions
  • $53,450Interest-bearing balances
  • $50,510Securities
  • $6,620Federal funds sold & reverse repurchase agreements
  • $407,726Net loans & leases
  • $11,834Loan loss allowance
  • $0Trading account assets
  • $13,685Bank premises and fixed assets
  • $4,592Other real estate owned
  • $1,128Goodwill and other intangibles
  • $579,519Life insurance assets
  • $31,948All other assets
  • $521,562Total liabilities and capital
  • $474,871Total liabilities
  • $399,024Total deposits
  • $474,871Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 16704.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $14,987Subordinated debt
  • $57,957All other liabilities
  • $57,957Total equity capital
  • $57,957Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $43,261Surplus
  • $13,946Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $8,725Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,796Income earned, not collected on loans
  • $983Earning assets
  • $1,678Long-term assets (5+ years)
  • $518,306Average Assets, year-to-date
  • $26,045Average Assets, quarterly
  • $582,850Volatile liabilities
  • $573,120Insider loans
  • $452,108FHLB advances
  • $567,327Loans and leases held for sale
  • $10,641Unused loan commitments
  • $10,641Tier 1 (core) risk-based capital
  • $47,776Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $108,291Restructured Loans and leases
  • $1,030Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,541Total interest income
  • $7,982Total interest expense
  • $17,559Net interest income
  • $9,160Provision for loan and lease losses
  • $8,879Total noninterest income
  • $437Fiduciary activities
  • $1,901Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,541Additional noninterest income
  • $18,629Total noninterest expense
  • $10,306Salaries and employee benefits
  • $2,462Premises and equipment expense
  • $5,861Additional noninterest expense
  • -$1,351Pre-tax net operating income
  • $0Securities gains (losses)
  • -$779Applicable income taxes
  • -$572Income before extraordinary items
  • $0Extraordinary gains - net
  • -$572Net income attributable to bank
  • $0Net charge-offs
  • -$572Cash dividends
  • $8,538Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.53%Cost of funding earning assets
  • 3.36%Net interest margin
  • 1.70%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • -0.10%Net operating income to assets
  • -0.10%Return on assets (ROA)
  • -0.23%Pretax return on assets
  • -0.97%Return on equity (ROE)
  • -0.97%Retained earnings to average equity (YTD only)
  • 1.98%Net charge-offs to loans
  • 107.29%Credit loss provision to net charge-offs
  • 0.91%Efficiency ratio
  • 70,463Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.82%Loss allowance to noncurrent loans
  • 100.32%Noncurrent assets plus other real estate owned to assets
  • 2.83%Noncurrent loans to loans
  • 2.81%Net loans and leases to deposits
  • 85.86%Net loans and leases to core deposits
  • 107.72%Equity capital to assets
  • 10.00%Core capital (leverage) ratio
  • 8.42%Tier 1 risk-based capital ratio
  • 10.57%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $582,850Average earning assets
  • $58,917Average equity
  • $522,884Average 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
  • $60,211Managed Assets
  • 1Number of Accounts
  • $57,239Personal trust and agency accounts
  • $11,235Employee benefit-defined contribution accounts
  • $1,480Employee benefit-defined benefit accounts
  • $913Other retirement accounts
  • $8,511Corporate trust and agency accounts
  • $1,400Investment management agency accounts
  • $33,700Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 137Number of Accounts
  • $0Personal trust and agency accounts
  • $8,511Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,972Other retirement accounts
  • $211Corporate trust and agency accounts
  • $1,661Other fiduciary accounts
  • $1,100Fiduciary accounts held in foreign offices

List of branches

  • 11 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040240Community Bank & Trust604 North 8th Street, Sheboygan, WI 53081May 15, 1989Full Service Brick and Mortar
    1262166Plymouth Branch2511 Eastern Avenue, Plymouth, WI 53073October 04, 1993Full Service Brick and Mortar
    2262167Elkhart Lake Branch274 Osthoff Avenue, Elkhart Lake, WI 53020October 16, 1995Full Service Brick and Mortar
    3262168South Sheboygan Branch3220 South Business Drive, Sheboygan, WI 53081November 30, 1997Full Service Brick and Mortar
    4262169Chilton Branch1265 East Chestnut Street, Chilton, WI 53014September 28, 1998Full Service Brick and Mortar
    5262170Sheboygan Branch655 South Taylor Drive, Sheboygan, WI 53081March 01, 1999Full Service Brick and Mortar
    6363522Sheboygan North Branch4210 State Hwy 42 North, Sheboygan, WI 53083April 29, 2002Full Service Brick and Mortar
    7423112Glendale Branch5380 North Port Washington Road, Glendale, WI 53217August 25, 2003Full Service Brick and Mortar
    8426764Appleton Branch333 South Nicolet Road, Appleton, WI 54914March 15, 2004Full Service Brick and Mortar
    9444338Sheboygan Falls Branch1160 Fond Du Lac Avenue, Sheboygan Falls, WI 53085September 01, 2005Full Service Brick and Mortar
    10447917Greenfield Branch4131 West Loomis Road, Greenfield, WI 53220Febuary 15, 2006Full Service Brick and Mortar

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