Community Bank & Trust in Sheboygan, Wisconsin (WI)

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Community Bank & Trust
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)169
Total assets$579,519
Cash and due from depository institutions$63,310
Interest-bearing balances$53,450
Federal funds sold & reverse repurchase agreements$6,620
Net loans & leases$407,726
Loan loss allowance $11,834
Trading account assets$0
Bank premises and fixed assets$13,685
Other real estate owned$4,592
Goodwill and other intangibles$1,128
All other assets$31,948
Life insurance assets$579,519
Total liabilities and capital$521,562
Total liabilities$474,871
Total deposits$399,024
Interest-bearing deposits$474,871
Deposits held in domestic offices$94
% insured (estimated)16704.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$15,000
Other borrowed funds $0
Subordinated debt $14,987
All other liabilities $57,957
Total equity capital$57,957
Total bank equity capital$57,957
Perpetual preferred stock$0
Common stock$750
Undivided profits $13,946
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $8,725
Income earned, not collected on loans $11,796
Earning assets $983
Long-term assets (5+ years) $1,678
Average Assets, year-to-date $518,306
Average Assets, quarterly $26,045
Volatile liabilities $582,850
Insider loans $573,120
FHLB advances $452,108
Loans and leases held for sale $567,327
Unused loan commitments $10,641
Tier 1 (core) risk-based capital $10,641
Tier 2 risk-based capital $47,776
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $108,291
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $25,541
Total interest expense $7,982
Net interest income $17,559
Provision for loan and lease losses $9,160
Total noninterest income $8,879
Fiduciary activities $437
Service charges on deposit accounts $1,901
Trading account gains & fees $0
Additional noninterest income $6,541
Total noninterest expense $18,629
Salaries and employee benefits $10,306
Premises and equipment expense $2,462
Additional noninterest expense $5,861
Pre-tax net operating income -$1,351
Securities gains (losses) $0
Applicable income taxes -$779
Income before extraordinary items -$572
Extraordinary gains - net $0
Net income attributable to bank -$572
Net charge-offs $0
Cash dividends -$572
Sale, conversion, retirement of capital stock, net $8,538
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.88%
Cost of funding earning assets 1.53%
Net interest margin 3.36%
Noninterest income to earning assets 1.70%
Noninterest expense to earning assets 3.56%
Net operating income to assets -0.10%
Return on assets (ROA) -0.10%
Pretax return on assets -0.23%
Return on equity (ROE) -0.97%
Retained earnings to average equity (YTD only) -0.97%
Net charge-offs to loans 1.98%
Credit loss provision to net charge-offs 107.29%
Efficiency ratio0.91%
Assets per employee$70,463
Cash dividends to net income (YTD only)3.43%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.82%
Noncurrent assets plus other real estate owned to assets 100.32%
Noncurrent loans to loans 2.83%
Net loans and leases to deposits2.81%
Net loans and leases to core deposits 85.86%
Equity capital to assets 107.72%
Core capital (leverage) ratio 10.00%
Tier 1 risk-based capital ratio 8.42%
Total risk-based capital ratio 10.57%
Average assets$12
Average earning assets$582,850
Average equity $58,917
Average loans $522,884
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$60,211
Number of Accounts1
Personal trust and agency accounts$57,239
Employee benefit-defined contribution accounts$11,235
Employee benefit-defined benefit accounts$1,480
Other retirement accounts$913
Corporate trust and agency accounts$8,511
Investment management agency accounts$1,400
Other fiduciary accounts$33,700
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts137
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$8,511
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,972
Corporate trust and agency accounts$211
Other fiduciary accounts$1,661
Fiduciary accounts held in foreign offices$1,100
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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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