Community Business Bank in Sauk City, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Business Bank - Overview

  • General
  • FDIC Certificate #: 33880
    Status: Active
    Federal Reserve ID: 2164111
    Bank Holding Company (Regulatory Top Holder): River Holding Company (RSSDID: 2486813, Location: Stoddard, WI)
    Date Established: Febuary 21, 1994
    WWW: http://www.communitybusinessbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14667
    FDIC's unique #: 48188
    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: Febuary 21, 1994
    Last Structure Change Effective Date: May 02, 2011
    Last Structure Change Process Date: May 02, 2011
    Last Data Update: May 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1111 Sycamore Street, Sauk City, WI 53583
    County: Sauk
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Baraboo, WI (#12660)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $64.6 mil
    Equity capital: $9.1 mil
    Deposits held in domestic offices: $53.0 mil
    Return on assets (ROA): 0.36% ($0.2 mil)
    Quarterly return on assets: 1.06% ($0.7 mil)
    Return on Equity (ROE): 2.71% ($0.2 mil)
    Quarterly return on equity: 7.41% ($0.7 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.13% ($84.0 mil)
    Quarterly Pretax return on assets: 0.44% ($284.4 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
  • 18Total employees (full-time equivalent)
  • $64,640Total assets
  • $2,949Cash and due from depository institutions
  • $16Interest-bearing balances
  • $10,667Securities
  • $4,389Federal funds sold & reverse repurchase agreements
  • $43,214Net loans & leases
  • $1,573Loan loss allowance
  • $0Trading account assets
  • $971Bank premises and fixed assets
  • $998Other real estate owned
  • $0Goodwill and other intangibles
  • $64,640Life insurance assets
  • $1,452All other assets
  • $55,551Total liabilities and capital
  • $53,011Total liabilities
  • $41,953Total deposits
  • $53,011Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 352.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,675Trading liabilities
  • $0Other borrowed funds
  • $513Subordinated debt
  • $9,089All other liabilities
  • $9,089Total equity capital
  • $9,089Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $5,415Surplus
  • $2,174Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,030Income earned, not collected on loans
  • $0Earning assets
  • $243Long-term assets (5+ years)
  • $58,286Average Assets, year-to-date
  • $8,800Average Assets, quarterly
  • $62,237Volatile liabilities
  • $62,952Insider loans
  • $49,878FHLB advances
  • $63,654Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,205Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,411Restructured Loans and leases
  • $2,080Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,978Total interest income
  • $554Total interest expense
  • $2,424Net interest income
  • $671Provision for loan and lease losses
  • $241Total noninterest income
  • $0Fiduciary activities
  • $128Service charges on deposit accounts
  • $0Trading account gains & fees
  • $113Additional noninterest income
  • $1,911Total noninterest expense
  • $1,078Salaries and employee benefits
  • $185Premises and equipment expense
  • $648Additional noninterest expense
  • $83Pre-tax net operating income
  • $0Securities gains (losses)
  • -$140Applicable income taxes
  • $223Income before extraordinary items
  • $0Extraordinary gains - net
  • $223Net income attributable to bank
  • $0Net charge-offs
  • $223Cash dividends
  • $221Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • 2.71%Return on equity (ROE)
  • 2.71%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 303.62%Credit loss provision to net charge-offs
  • 3.41%Efficiency ratio
  • 71,707Assets per employee
  • 3.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.51%Loss allowance to noncurrent loans
  • 77.49%Noncurrent assets plus other real estate owned to assets
  • 4.68%Noncurrent loans to loans
  • 4.53%Net loans and leases to deposits
  • 81.52%Net loans and leases to core deposits
  • 85.54%Equity capital to assets
  • 14.06%Core capital (leverage) ratio
  • 12.89%Tier 1 risk-based capital ratio
  • 16.45%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $62,237Average earning assets
  • $8,224Average equity
  • $57,391Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048188Community Business Bank1111 Sycamore Street, Sauk City, WI 53583Febuary 21, 1994Full Service Brick and Mortar
    2290136Lodi Branch807 N. Main Street, Lodi, WI 53555January 04, 1999Full Service Brick and Mortar

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