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

  • Community Bank of Central Wisconsin in Colby, Wisconsin (WI)
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Community Bank of Central Wisconsin - Overview

  • General
  • FDIC Certificate #: 13664
    Status: Active
    Federal Reserve ID: 587743
    Bank Holding Company (Regulatory Top Holder): Central Wisconsin Bancorporation, Inc. (RSSDID: 2425120, Location: Colby, WI)
    Date Established: June 12, 1912
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9599
    FDIC's unique #: 8540
    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: January 16, 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: 1122 Division Street, Colby, WI 54421
    County: Marathon
    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
    Metropolitan Statistical Area (MSA): Wausau, WI (#8940)
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Wausau, WI (#48140)
    CBSA Metro Statistical Area: Wausau, WI (#48140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $98.4 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $82.5 mil
    Return on assets (ROA): -3.14% (-$3.1 mil)
    Quarterly return on assets: -1.54% (-$1.5 mil)
    Return on Equity (ROE): -55.46% (-$2.8 mil)
    Quarterly return on equity: -29.44% (-$1.5 mil)
    Net income: -$3.3 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 0.14% ($137.7 mil)
    Quarterly Pretax return on assets: 0.63% ($619.7 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
  • 33Total employees (full-time equivalent)
  • $98,359Total assets
  • $18,875Cash and due from depository institutions
  • $13,452Interest-bearing balances
  • $13,545Securities
  • $2,279Federal funds sold & reverse repurchase agreements
  • $55,222Net loans & leases
  • $3,261Loan loss allowance
  • $0Trading account assets
  • $2,114Bank premises and fixed assets
  • $2,013Other real estate owned
  • $348Goodwill and other intangibles
  • $98,359Life insurance assets
  • $3,963All other assets
  • $93,396Total liabilities and capital
  • $82,526Total liabilities
  • $72,055Total deposits
  • $82,526Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 1625.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,000Trading liabilities
  • $0Other borrowed funds
  • $245Subordinated debt
  • $4,963All other liabilities
  • $4,963Total equity capital
  • $4,963Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $10,137Surplus
  • $-5,294Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,195Income earned, not collected on loans
  • $6Earning assets
  • $185Long-term assets (5+ years)
  • $84,498Average Assets, year-to-date
  • $4,847Average Assets, quarterly
  • $104,481Volatile liabilities
  • $98,516Insider loans
  • $73,182FHLB advances
  • $96,048Loans and leases held for sale
  • $2,887Unused loan commitments
  • $1,459Tier 1 (core) risk-based capital
  • $4,588Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,428Total unused commitments
  • $4,734Restructured Loans and leases
  • $1,545Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,860Total interest income
  • $761Total interest expense
  • $3,099Net interest income
  • $110Provision for loan and lease losses
  • $955Total noninterest income
  • $0Fiduciary activities
  • $233Service charges on deposit accounts
  • $0Trading account gains & fees
  • $722Additional noninterest income
  • $3,802Total noninterest expense
  • $1,601Salaries and employee benefits
  • $377Premises and equipment expense
  • $1,824Additional noninterest expense
  • $142Pre-tax net operating income
  • $9Securities gains (losses)
  • $3,436Applicable income taxes
  • -$3,285Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,285Net income attributable to bank
  • $0Net charge-offs
  • -$3,285Cash dividends
  • $3,414Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.36%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 4.13%Noninterest expense to earning assets
  • -3.15%Net operating income to assets
  • -3.14%Return on assets (ROA)
  • 0.14%Pretax return on assets
  • -55.46%Return on equity (ROE)
  • -55.46%Retained earnings to average equity (YTD only)
  • 5.07%Net charge-offs to loans
  • 3.22%Credit loss provision to net charge-offs
  • 0.07%Efficiency ratio
  • 91,564Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.58%Loss allowance to noncurrent loans
  • 52.64%Noncurrent assets plus other real estate owned to assets
  • 9.11%Noncurrent loans to loans
  • 10.59%Net loans and leases to deposits
  • 66.91%Net loans and leases to core deposits
  • 67.71%Equity capital to assets
  • 5.05%Core capital (leverage) ratio
  • 4.78%Tier 1 risk-based capital ratio
  • 6.27%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $104,481Average earning assets
  • $5,924Average equity
  • $92,113Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08540Community Bank Of Central Wisconsin1122 Division Street, Colby, WI 54421June 12, 1912Full Service Brick and Mortar
    2229767Owen Branch328 North Central Avenue, Owen, WI 54460October 23, 1996Full Service Brick and Mortar
    3229768Marshfield Branch103 West Mcmillan Street, Marshfield, WI 54449November 30, 1999Full Service Brick and Mortar
    4449817Thorp Branch300 North Washington Street, Thorp, WI 54771January 30, 2006Full Service Brick and Mortar

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