Dairyman's State Bank in Clintonville, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 12, 2008

  • Dairyman's State Bank in Clintonville, Wisconsin (WI)
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Dairyman's State Bank - Overview

  • General
  • FDIC Certificate #: 13052
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First National Bank (#15149)
    Federal Reserve ID: 461245
    Date Established: March 09, 1920
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 8250
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 12, 2008
    Last Structure Change Process Date: January 22, 2008
    Last Data Update: January 22, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 135 South Main Street, Clintonville, WI 54929
    County: Waupaca
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $109.7 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, 2007)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $109,740Total assets
  • $3,971Cash and due from depository institutions
  • $0Interest-bearing balances
  • $36,996Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $61,038Net loans & leases
  • $500Loan loss allowance
  • $0Trading account assets
  • $1,226Bank premises and fixed assets
  • $502Other real estate owned
  • $1,209Goodwill and other intangibles
  • $2,474Life insurance assets
  • $4,798All other assets
  • $109,740Total liabilities and capital
  • $98,752Total liabilities
  • $84,599Total deposits
  • $69,839Interest-bearing deposits
  • $84,599Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,113Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,800Other borrowed funds
  • $0Subordinated debt
  • $1,240All other liabilities
  • $10,988Total equity capital
  • $10,988Total bank equity capital
  • $10,988Perpetual preferred stock
  • $0Common stock
  • $480Surplus
  • $7,170Undivided profits
  • Memoranda
  • $3,338Noncurrent loans and leases
  • $4,280Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $212Earning assets
  • $0Long-term assets (5+ years)
  • $619Average Assets, year-to-date
  • $98,034Average Assets, quarterly
  • $22,387Volatile liabilities
  • $106,270Insider loans
  • $108,183FHLB advances
  • $16,417Loans and leases held for sale
  • $613Unused loan commitments
  • $10,800Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $159Total risk weighted assets
  • $4,280Total unused commitments
  • $0Restructured Loans and leases
  • $500Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $5,939Total interest income
  • $2,795Total interest expense
  • $3,144Net interest income
  • $80Provision for loan and lease losses
  • $544Total noninterest income
  • $0Fiduciary activities
  • $269Service charges on deposit accounts
  • $0Trading account gains & fees
  • $275Additional noninterest income
  • $2,846Total noninterest expense
  • $1,637Salaries and employee benefits
  • $400Premises and equipment expense
  • $809Additional noninterest expense
  • $762Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $754Income before extraordinary items
  • $0Extraordinary gains - net
  • $754Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $114Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.20%Yield on earning assets
  • 2.92%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 7.38%Return on equity (ROE)
  • 7.38%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 70.18%Credit loss provision to net charge-offs
  • 7.39%Efficiency ratio
  • 74,539Assets per employee
  • 3.43%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 235.85%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.34%Net loans and leases to deposits
  • 72.15%Net loans and leases to core deposits
  • 80.21%Equity capital to assets
  • 10.01%Core capital (leverage) ratio
  • 9.42%Tier 1 risk-based capital ratio
  • 12.88%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $106,270Average earning assets
  • $10,212Average equity
  • $95,865Average loans

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