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


Community Financial Bank - Overview

  • General
  • FDIC Certificate #: 27053
    Status: Active
    Federal Reserve ID: 47256
    Date Established: October 01, 1987
    WWW: http://www.communityfinancialbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 38652
    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: October 01, 1987
    Last Structure Change Effective Date: March 01, 2010
    Last Structure Change Process Date: March 22, 2010
    Last Data Update: March 22, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 450 Center Street, Prentice, WI 54556
    County: Price
    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
  • Change in Location
  • Financial Summary
  • Total assets: $30.8 mil
    Equity capital: $4.5 mil
    Deposits held in domestic offices: $25.2 mil
    Return on assets (ROA): 0.06% ($0.0 mil)
    Quarterly return on assets: -0.69% (-$0.2 mil)
    Return on Equity (ROE): 0.40% ($0.0 mil)
    Quarterly return on equity: -4.68% (-$0.2 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.10% (-$30.8 mil)
    Quarterly Pretax return on assets: -1.42% (-$437.0 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
  • 12Total employees (full-time equivalent)
  • $30,774Total assets
  • $3,559Cash and due from depository institutions
  • $0Interest-bearing balances
  • $4,356Securities
  • $416Federal funds sold & reverse repurchase agreements
  • $19,565Net loans & leases
  • $322Loan loss allowance
  • $0Trading account assets
  • $1,007Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $30,774Life insurance assets
  • $1,871All other assets
  • $26,278Total liabilities and capital
  • $25,170Total liabilities
  • $21,804Total deposits
  • $25,170Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $108Subordinated debt
  • $4,496All other liabilities
  • $4,496Total equity capital
  • $4,496Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $500Surplus
  • $3,496Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $550Income earned, not collected on loans
  • $0Earning assets
  • $116Long-term assets (5+ years)
  • $24,337Average Assets, year-to-date
  • $4,367Average Assets, quarterly
  • $31,915Volatile liabilities
  • $30,899Insider loans
  • $25,316FHLB advances
  • $30,526Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,483Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $550Restructured Loans and leases
  • $545Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,435Total interest income
  • $257Total interest expense
  • $1,178Net interest income
  • $182Provision for loan and lease losses
  • $110Total noninterest income
  • $0Fiduciary activities
  • $71Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $1,138Total noninterest expense
  • $543Salaries and employee benefits
  • $170Premises and equipment expense
  • $425Additional noninterest expense
  • -$32Pre-tax net operating income
  • $0Securities gains (losses)
  • -$50Applicable income taxes
  • $18Income before extraordinary items
  • $0Extraordinary gains - net
  • $18Net income attributable to bank
  • $0Net charge-offs
  • $18Cash dividends
  • $411Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 4.21%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 4.06%Noninterest expense to earning assets
  • 0.06%Net operating income to assets
  • 0.06%Return on assets (ROA)
  • -0.10%Pretax return on assets
  • 0.40%Return on equity (ROE)
  • 0.40%Retained earnings to average equity (YTD only)
  • 1.95%Net charge-offs to loans
  • 44.28%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 88,354Assets per employee
  • 2.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 58.55%Noncurrent assets plus other real estate owned to assets
  • 1.79%Noncurrent loans to loans
  • 2.77%Net loans and leases to deposits
  • 77.73%Net loans and leases to core deposits
  • 80.50%Equity capital to assets
  • 14.61%Core capital (leverage) ratio
  • 14.69%Tier 1 risk-based capital ratio
  • 17.71%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $31,915Average earning assets
  • $4,492Average equity
  • $27,998Average loans

Bank Assets Sold and Securitized (December 31, 2010)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $8,6211-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $0Commercial and industrial loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    038652Community Financial Bank450 Center Street, Prentice, WI 54556October 01, 1987Full Service Brick and Mortar
    1473858Stratford Branch818 South Weber Avenue, Stratford, WI 54484March 17, 2008Full Service Brick and Mortar

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