FDIC Certificate #: 24120 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Lincoln State Bank (#13028) Federal Reserve ID: 847447 Date Established: November 15, 1982 WWW:http://www.communitybancgroup.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) OTS Docket #: 13878 FDIC's unique #: 16815 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: November 15, 1982 Last Structure Change Effective Date: May 07, 2007 Last Structure Change Process Date: June 05, 2007 Last Data Update: June 05, 2007 Data Source Date: April 05, 2012
Location
Address: 7000 South - 76th Street, Franklin, WI 53132 County: Milwaukee Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Milwaukee Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080) Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63) Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376) Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340) CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
Financial Summary
Total assets: $90.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
27Total employees (full-time equivalent)
$93,008Total assets
$2,176Cash and due from depository institutions
$10Interest-bearing balances
$3,157Securities
$227Federal funds sold & reverse repurchase agreements
$83,644Net loans & leases
$1,003Loan loss allowance
$0Trading account assets
$1,296Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$503Life insurance assets
$2,508All other assets
$93,008Total liabilities and capital
$84,531Total liabilities
$80,305Total deposits
$68,203Interest-bearing deposits
$80,305Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,500Other borrowed funds
$0Subordinated debt
$726All other liabilities
$8,477Total equity capital
$8,477Total bank equity capital
$8,477Perpetual preferred stock
$0Common stock
$600Surplus
$4,250Undivided profits
Memoranda
$3,627Noncurrent loans and leases
$21,212Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$583Earning assets
$0Long-term assets (5+ years)
$395Average Assets, year-to-date
$87,038Average Assets, quarterly
$1,960Volatile liabilities
$90,801Insider loans
$91,689FHLB advances
$15,344Loans and leases held for sale
$5,453Unused loan commitments
$3,500Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$21,212Total unused commitments
$0Restructured Loans and leases
$1,003Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$5,757Total interest income
$2,146Total interest expense
$3,611Net interest income
$0Provision for loan and lease losses
$569Total noninterest income
$0Fiduciary activities
$291Service charges on deposit accounts
$0Trading account gains & fees
$278Additional noninterest income
$2,864Total noninterest expense
$1,460Salaries and employee benefits
$395Premises and equipment expense
$1,009Additional noninterest expense
$1,316Pre-tax net operating income
$0Securities gains (losses)
$508Applicable income taxes
$808Income before extraordinary items
$0Extraordinary gains - net
$808Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$77Sale, conversion, retirement of capital stock, net
$670Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.92%Yield on earning assets
2.58%Cost of funding earning assets
4.34%Net interest margin
0.68%Noninterest income to earning assets
3.44%Noninterest expense to earning assets
0.89%Net operating income to assets
0.89%Return on assets (ROA)
1.45%Pretax return on assets
9.67%Return on equity (ROE)
1.65%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
17.09%Efficiency ratio
68,517Assets per employee
3.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
82.92%Loss allowance to loans
1.18%Loss allowance to noncurrent loans
172.04%Noncurrent assets plus other real estate owned to assets
0.63%Noncurrent loans to loans
0.69%Net loans and leases to deposits
104.16%Net loans and leases to core deposits
128.76%Equity capital to assets
9.11%Core capital (leverage) ratio
9.25%Tier 1 risk-based capital ratio
10.13%Total risk-based capital ratio
Memoranda
$11Average assets
$90,801Average earning assets
$8,356Average equity
$83,223Average loans
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