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


Community State Bank - Overview

  • General
  • FDIC Certificate #: 15130
    Status: Active
    Federal Reserve ID: 239042
    Bank Holding Company (Regulatory Top Holder): Community Bancorp, Inc. (RSSDID: 2310187, Location: Norwalk, WI)
    Date Established: March 25, 1933
    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 #: 9502
    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
  • Location
  • Address: 108 Main St, Norwalk, WI 54648
    County: Monroe
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $29.8 mil
    Equity capital: $2.4 mil
    Deposits held in domestic offices: $26.9 mil
    Return on assets (ROA): -1.25% (-$0.4 mil)
    Quarterly return on assets: -0.47% (-$0.1 mil)
    Return on Equity (ROE): -12.86% (-$0.3 mil)
    Quarterly return on equity: -5.45% (-$0.1 mil)
    Net income: -$0.3 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -1.25% (-$373.1 mil)
    Quarterly Pretax return on assets: -0.47% (-$140.3 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
  • 8Total employees (full-time equivalent)
  • $29,846Total assets
  • $13,074Cash and due from depository institutions
  • $11,580Interest-bearing balances
  • $327Securities
  • $1,231Federal funds sold & reverse repurchase agreements
  • $13,881Net loans & leases
  • $208Loan loss allowance
  • $0Trading account assets
  • $353Bank premises and fixed assets
  • $123Other real estate owned
  • $429Goodwill and other intangibles
  • $29,846Life insurance assets
  • $428All other assets
  • $27,439Total liabilities and capital
  • $26,918Total liabilities
  • $20,559Total deposits
  • $26,918Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $521Subordinated debt
  • $2,407All other liabilities
  • $2,407Total equity capital
  • $2,407Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $2,100Surplus
  • $247Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $191Income earned, not collected on loans
  • $0Earning assets
  • $88Long-term assets (5+ years)
  • $27,019Average Assets, year-to-date
  • $2,138Average Assets, quarterly
  • $26,707Volatile liabilities
  • $28,044Insider loans
  • $14,086FHLB advances
  • $26,313Loans and leases held for sale
  • $92Unused loan commitments
  • $92Tier 1 (core) risk-based capital
  • $1,956Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $813Restructured Loans and leases
  • $492Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,020Total interest income
  • $227Total interest expense
  • $793Net interest income
  • $311Provision for loan and lease losses
  • $115Total noninterest income
  • $0Fiduciary activities
  • $90Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25Additional noninterest income
  • $932Total noninterest expense
  • $404Salaries and employee benefits
  • $138Premises and equipment expense
  • $390Additional noninterest expense
  • -$335Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$335Income before extraordinary items
  • $0Extraordinary gains - net
  • -$335Net income attributable to bank
  • $0Net charge-offs
  • -$335Cash dividends
  • $347Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.22%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 3.85%Noninterest expense to earning assets
  • -1.25%Net operating income to assets
  • -1.25%Return on assets (ROA)
  • -1.25%Pretax return on assets
  • -12.86%Return on equity (ROE)
  • -12.86%Retained earnings to average equity (YTD only)
  • 2.20%Net charge-offs to loans
  • 89.63%Credit loss provision to net charge-offs
  • -0.07%Efficiency ratio
  • 102,643Assets per employee
  • 3.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 108.90%Noncurrent assets plus other real estate owned to assets
  • 1.05%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 51.57%Net loans and leases to core deposits
  • 51.57%Equity capital to assets
  • 8.06%Core capital (leverage) ratio
  • 7.43%Tier 1 risk-based capital ratio
  • 13.89%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $26,707Average earning assets
  • $2,606Average equity
  • $24,193Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09502Community State Bank108 Main St, Norwalk, WI 54648March 25, 1933Full Service Brick and Mortar
    1441046Wilton Branch406 Main Street, Wilton, WI 54670January 01, 2005Full Service Brick and Mortar

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