Community Bank of Cameron in Cameron, Wisconsin (WI)

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Community Bank of Cameron routing number info

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Community Bank of Cameron
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)26
Total assets$105,095
Cash and due from depository institutions$15,681
Interest-bearing balances$11,563
Federal funds sold & reverse repurchase agreements$724
Net loans & leases$78,099
Loan loss allowance $1,061
Trading account assets$0
Bank premises and fixed assets$2,043
Other real estate owned$518
Goodwill and other intangibles$0
All other assets$2,901
Life insurance assets$105,095
Total liabilities and capital$95,548
Total liabilities$88,504
Total deposits$79,344
Interest-bearing deposits$88,504
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,500
Other borrowed funds $0
Subordinated debt $544
All other liabilities $9,547
Total equity capital$9,547
Total bank equity capital$9,547
Perpetual preferred stock$0
Common stock$300
Undivided profits $5,767
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,238
Earning assets $0
Long-term assets (5+ years) $309
Average Assets, year-to-date $95,515
Average Assets, quarterly $5,097
Volatile liabilities $103,636
Insider loans $105,385
FHLB advances $65,344
Loans and leases held for sale $103,786
Unused loan commitments $1,671
Tier 1 (core) risk-based capital $1,671
Tier 2 risk-based capital $9,547
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $7,026
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,907
Total interest expense $1,202
Net interest income $3,705
Provision for loan and lease losses $288
Total noninterest income $405
Fiduciary activities $0
Service charges on deposit accounts $234
Trading account gains & fees $0
Additional noninterest income $171
Total noninterest expense $2,356
Salaries and employee benefits $1,291
Premises and equipment expense $375
Additional noninterest expense $690
Pre-tax net operating income $1,466
Securities gains (losses) $0
Applicable income taxes $4
Income before extraordinary items $1,462
Extraordinary gains - net $0
Net income attributable to bank $1,462
Net charge-offs $0
Cash dividends $1,462
Sale, conversion, retirement of capital stock, net $336
Net operating income $1,247
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.12%
Cost of funding earning assets 1.25%
Net interest margin 3.86%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 2.46%
Net operating income to assets 1.41%
Return on assets (ROA) 1.41%
Pretax return on assets 1.41%
Return on equity (ROE) 16.77%
Retained earnings to average equity (YTD only) 2.47%
Net charge-offs to loans 0.42%
Credit loss provision to net charge-offs 85.71%
Efficiency ratio5.22%
Assets per employee$57,324
Cash dividends to net income (YTD only)4.04%
Condition Ratios (%)
Loss allowance to loans 85.29%
Loss allowance to noncurrent loans 1.34%
Noncurrent assets plus other real estate owned to assets 85.70%
Noncurrent loans to loans 1.67%
Net loans and leases to deposits1.56%
Net loans and leases to core deposits 88.24%
Equity capital to assets 95.45%
Core capital (leverage) ratio 9.08%
Tier 1 risk-based capital ratio 9.20%
Total risk-based capital ratio 14.61%
Average assets$16
Average earning assets$103,636
Average equity $8,720
Average loans $95,867
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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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