Community Bank of Cameron in Cameron, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Cameron - Overview

  • General
  • FDIC Certificate #: 12349
    Status: Active
    Federal Reserve ID: 385350
    Bank Holding Company (Regulatory Top Holder): Cameron Bancorp, Inc. (RSSDID: 1516405, Location: Cameron, WI)
    Date Established: January 01, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 7855
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 101 West Main Street, Cameron, WI 54822
    County: Barron
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $105.1 mil
    Equity capital: $9.5 mil
    Deposits held in domestic offices: $88.5 mil
    Return on assets (ROA): 1.41% ($1.5 mil)
    Quarterly return on assets: 0.98% ($1.0 mil)
    Return on Equity (ROE): 16.77% ($1.7 mil)
    Quarterly return on equity: 11.44% ($1.1 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.41% ($1,481.8 mil)
    Quarterly Pretax return on assets: 0.98% ($1,029.9 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
  • 26Total employees (full-time equivalent)
  • $105,095Total assets
  • $15,681Cash and due from depository institutions
  • $11,563Interest-bearing balances
  • $5,129Securities
  • $724Federal funds sold & reverse repurchase agreements
  • $78,099Net loans & leases
  • $1,061Loan loss allowance
  • $0Trading account assets
  • $2,043Bank premises and fixed assets
  • $518Other real estate owned
  • $0Goodwill and other intangibles
  • $105,095Life insurance assets
  • $2,901All other assets
  • $95,548Total liabilities and capital
  • $88,504Total liabilities
  • $79,344Total deposits
  • $88,504Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,500Trading liabilities
  • $0Other borrowed funds
  • $544Subordinated debt
  • $9,547All other liabilities
  • $9,547Total equity capital
  • $9,547Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $3,480Surplus
  • $5,767Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,238Income earned, not collected on loans
  • $0Earning assets
  • $309Long-term assets (5+ years)
  • $95,515Average Assets, year-to-date
  • $5,097Average Assets, quarterly
  • $103,636Volatile liabilities
  • $105,385Insider loans
  • $65,344FHLB advances
  • $103,786Loans and leases held for sale
  • $1,671Unused loan commitments
  • $1,671Tier 1 (core) risk-based capital
  • $9,547Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,026Restructured Loans and leases
  • $1,568Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,907Total interest income
  • $1,202Total interest expense
  • $3,705Net interest income
  • $288Provision for loan and lease losses
  • $405Total noninterest income
  • $0Fiduciary activities
  • $234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $171Additional noninterest income
  • $2,356Total noninterest expense
  • $1,291Salaries and employee benefits
  • $375Premises and equipment expense
  • $690Additional noninterest expense
  • $1,466Pre-tax net operating income
  • $0Securities gains (losses)
  • $4Applicable income taxes
  • $1,462Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,462Net income attributable to bank
  • $0Net charge-offs
  • $1,462Cash dividends
  • $336Sale, conversion, retirement of capital stock, net
  • $1,247Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 1.25%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 16.77%Return on equity (ROE)
  • 2.47%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 85.71%Credit loss provision to net charge-offs
  • 5.22%Efficiency ratio
  • 57,324Assets per employee
  • 4.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.29%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 85.70%Noncurrent assets plus other real estate owned to assets
  • 1.67%Noncurrent loans to loans
  • 1.56%Net loans and leases to deposits
  • 88.24%Net loans and leases to core deposits
  • 95.45%Equity capital to assets
  • 9.08%Core capital (leverage) ratio
  • 9.20%Tier 1 risk-based capital ratio
  • 14.61%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $103,636Average earning assets
  • $8,720Average equity
  • $95,867Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07855Community Bank Of Cameron101 West Main Street, Cameron, WI 54822January 01, 1903Full Service Brick and Mortar
    1226866Grantsburg Branch114 East Madison Avenue, Grantsburg, WI 54840March 23, 1998Full Service Brick and Mortar
    3428183Siren Branch24996 State Road 35 North, Siren, WI 54872September 15, 2003Full Service Brick and Mortar

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