Community First Bank in Boscobel, Wisconsin (WI)

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Community First Bank
GeneralFDIC Certificate #: 11595
Status: Active
Federal Reserve ID: 175140
Bank Holding Company (Regulatory Top Holder): Boscobel Bancorp, Inc. (RSSDID: 1492291, Location: Boscobel, WI)
Date Established: January 01, 1871
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10444
FDIC's unique #: 7409
Numeric code: 13
Regulator: FED
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: Commercial Lending Specialization
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: 925 Wisconsin Avenue, Boscobel, WI 53805
County: Grant
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
Core Based Statistical Area (CBSA): Platteville, WI (#38420)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $217.6 mil
Equity capital: $21.1 mil
Deposits held in domestic offices: $181.6 mil
Return on assets (ROA): 0.85% ($1.9 mil)
Quarterly return on assets: 0.98% ($2.1 mil)
Return on Equity (ROE): 9.59% ($2.0 mil)
Quarterly return on equity: 10.28% ($2.2 mil)
Net income: $1.9 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.85% ($1,849.4 mil)
Quarterly Pretax return on assets: 0.98% ($2,132.3 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)73
Total assets$217,580
Cash and due from depository institutions$18,183
Interest-bearing balances$12,123
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$140,583
Loan loss allowance $4,321
Trading account assets$0
Bank premises and fixed assets$5,130
Other real estate owned$3,288
Goodwill and other intangibles$0
All other assets$6,631
Life insurance assets$217,580
Total liabilities and capital$196,517
Total liabilities$181,621
Total deposits$155,981
Interest-bearing deposits$181,621
Deposits held in domestic offices$93
% insured (estimated)3753.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$10,500
Other borrowed funds $0
Subordinated debt $643
All other liabilities $21,063
Total equity capital$21,063
Total bank equity capital$21,063
Perpetual preferred stock$0
Common stock$300
Undivided profits $16,063
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $641
Income earned, not collected on loans $6,502
Earning assets $0
Long-term assets (5+ years) $667
Average Assets, year-to-date $196,471
Average Assets, quarterly $34,677
Volatile liabilities $225,125
Insider loans $218,811
FHLB advances $137,387
Loans and leases held for sale $218,877
Unused loan commitments $3,494
Tier 1 (core) risk-based capital $2,986
Tier 2 risk-based capital $20,241
Total risk weighted assets $0
Total unused commitments $508
Restructured Loans and leases $13,517
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,882
Total interest expense $2,423
Net interest income $7,459
Provision for loan and lease losses $0
Total noninterest income $1,833
Fiduciary activities $0
Service charges on deposit accounts $788
Trading account gains & fees $0
Additional noninterest income $1,045
Total noninterest expense $7,405
Salaries and employee benefits $3,559
Premises and equipment expense $740
Additional noninterest expense $3,106
Pre-tax net operating income $1,887
Securities gains (losses) $20
Applicable income taxes $0
Income before extraordinary items $1,907
Extraordinary gains - net $0
Net income attributable to bank $1,907
Net charge-offs $0
Cash dividends $1,907
Sale, conversion, retirement of capital stock, net $2,192
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.84%
Cost of funding earning assets 1.19%
Net interest margin 3.65%
Noninterest income to earning assets 0.90%
Noninterest expense to earning assets 3.63%
Net operating income to assets 0.84%
Return on assets (ROA) 0.85%
Pretax return on assets 0.85%
Return on equity (ROE) 9.59%
Retained earnings to average equity (YTD only) 9.59%
Net charge-offs to loans 1.40%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.86%
Assets per employee$79,692
Cash dividends to net income (YTD only)2.98%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.98%
Noncurrent assets plus other real estate owned to assets 66.46%
Noncurrent loans to loans 4.50%
Net loans and leases to deposits4.49%
Net loans and leases to core deposits 77.40%
Equity capital to assets 95.04%
Core capital (leverage) ratio 9.68%
Tier 1 risk-based capital ratio 9.25%
Total risk-based capital ratio 14.73%
Average assets$16
Average earning assets$225,125
Average equity $19,877
Average loans $204,267
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6 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07409Community First Bank925 Wisconsin Avenue, Boscobel, WI 53805January 01, 1871Full Service Brick and Mortar
1225223Blue River Branch209 Exchange Street, Blue River, WI 53518November 19, 1945Full Service Brick and Mortar
2225224Muscoda Branch101 North Wisconsin Avenue, Muscoda, WI 53573December 24, 1942Full Service Brick and Mortar
5225227Richland Center Branch1200 Sextonville Road, Richland Center, WI 53581April 24, 1995Full Service Brick and Mortar
6360629Reedsburg Branch115 Main Street, Reedsburg, WI 53959September 25, 2000Full Service Brick and Mortar
7365679Baraboo Branch129 8th Avenue, Baraboo, WI 53913November 04, 2002Full Service Brick and Mortar
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