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

This bank is inactive as of November 12, 2007

  • Grafton State Bank in Grafton, Wisconsin (WI)
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Grafton State Bank - Overview

  • General
  • FDIC Certificate #: 6184
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Lincoln State Bank (#13028)
    Federal Reserve ID: 668745
    Date Established: January 01, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 10186
    FDIC's unique #: 4168
    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: November 12, 2007
    Last Structure Change Process Date: December 03, 2007
    Last Data Update: December 03, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Falls Road, Grafton, WI 53024
    County: Ozaukee
    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: $179.6 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
  • 59Total employees (full-time equivalent)
  • $183,823Total assets
  • $5,894Cash and due from depository institutions
  • $53Interest-bearing balances
  • $23,672Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $145,938Net loans & leases
  • $1,915Loan loss allowance
  • $0Trading account assets
  • $1,187Bank premises and fixed assets
  • $184Other real estate owned
  • $0Goodwill and other intangibles
  • $1,989Life insurance assets
  • $6,948All other assets
  • $183,822Total liabilities and capital
  • $169,584Total liabilities
  • $148,893Total deposits
  • $125,637Interest-bearing deposits
  • $148,893Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $18,496Other borrowed funds
  • $0Subordinated debt
  • $2,195All other liabilities
  • $14,238Total equity capital
  • $14,238Total bank equity capital
  • $14,238Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $4,113Undivided profits
  • Memoranda
  • $9,125Noncurrent loans and leases
  • $25,415Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,178Earning assets
  • $0Long-term assets (5+ years)
  • $968Average Assets, year-to-date
  • $169,663Average Assets, quarterly
  • $15,239Volatile liabilities
  • $190,859Insider loans
  • $184,790FHLB advances
  • $34,764Loans and leases held for sale
  • $3,933Unused loan commitments
  • $18,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $25,415Total unused commitments
  • $0Restructured Loans and leases
  • $1,840Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $11,941Total interest income
  • $5,113Total interest expense
  • $6,828Net interest income
  • $1,500Provision for loan and lease losses
  • $1,533Total noninterest income
  • $0Fiduciary activities
  • $746Service charges on deposit accounts
  • $0Trading account gains & fees
  • $787Additional noninterest income
  • $5,088Total noninterest expense
  • $2,692Salaries and employee benefits
  • $746Premises and equipment expense
  • $1,650Additional noninterest expense
  • $1,773Pre-tax net operating income
  • $0Securities gains (losses)
  • $510Applicable income taxes
  • $1,263Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,263Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $780Sale, conversion, retirement of capital stock, net
  • $2,413Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.74%Yield on earning assets
  • 2.89%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 8.64%Return on equity (ROE)
  • -7.87%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 192.31%Credit loss provision to net charge-offs
  • 4.20%Efficiency ratio
  • 60,854Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 191.05%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 36.98%Noncurrent assets plus other real estate owned to assets
  • 2.92%Noncurrent loans to loans
  • 3.50%Net loans and leases to deposits
  • 98.02%Net loans and leases to core deposits
  • 127.67%Equity capital to assets
  • 7.75%Core capital (leverage) ratio
  • 7.77%Tier 1 risk-based capital ratio
  • 9.79%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $190,859Average earning assets
  • $14,613Average equity
  • $177,125Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,828Managed Assets
  • 1Number of Accounts
  • $1,828Personal trust and agency accounts
  • $1,828Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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