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


Highland State Bank - Overview

  • General
  • FDIC Certificate #: 6198
    Status: Active
    Federal Reserve ID: 681249
    Bank Holding Company (Regulatory Top Holder): Southwestern Wisconsin Bancshares, Inc. (RSSDID: 1881699, Location: Highland, WI)
    Date Established: June 01, 1903
    WWW: http://www.highlandstatebank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 4179
    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: 541 North Main Street, Highland, WI 53543
    County: Iowa
    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
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $29.0 mil
    Equity capital: $2.6 mil
    Deposits held in domestic offices: $25.7 mil
    Return on assets (ROA): 0.78% ($0.2 mil)
    Quarterly return on assets: 0.64% ($0.2 mil)
    Return on Equity (ROE): 8.61% ($0.3 mil)
    Quarterly return on equity: 7.00% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.78% ($226.2 mil)
    Quarterly Pretax return on assets: 0.64% ($185.6 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, 2011)

  • Dollar figures in thousands
  • 8Total employees (full-time equivalent)
  • $28,994Total assets
  • $6,288Cash and due from depository institutions
  • $4,432Interest-bearing balances
  • $1,277Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,225Net loans & leases
  • $326Loan loss allowance
  • $0Trading account assets
  • $109Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $28,994Life insurance assets
  • $1,095All other assets
  • $26,399Total liabilities and capital
  • $25,716Total liabilities
  • $20,874Total deposits
  • $25,716Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $683Subordinated debt
  • $2,595All other liabilities
  • $2,595Total equity capital
  • $2,595Total bank equity capital
  • $0Perpetual preferred stock
  • $70Common stock
  • $720Surplus
  • $1,805Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $423Income earned, not collected on loans
  • $0Earning assets
  • $68Long-term assets (5+ years)
  • $25,934Average Assets, year-to-date
  • $551Average Assets, quarterly
  • $27,800Volatile liabilities
  • $28,207Insider loans
  • $17,369FHLB advances
  • $27,954Loans and leases held for sale
  • $787Unused loan commitments
  • $787Tier 1 (core) risk-based capital
  • $2,593Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $538Restructured Loans and leases
  • $113Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,202Total interest income
  • $226Total interest expense
  • $976Net interest income
  • $53Provision for loan and lease losses
  • $146Total noninterest income
  • $0Fiduciary activities
  • $78Service charges on deposit accounts
  • $0Trading account gains & fees
  • $68Additional noninterest income
  • $851Total noninterest expense
  • $589Salaries and employee benefits
  • $46Premises and equipment expense
  • $216Additional noninterest expense
  • $218Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $218Income before extraordinary items
  • $0Extraordinary gains - net
  • $218Net income attributable to bank
  • $0Net charge-offs
  • $218Cash dividends
  • -$3Sale, conversion, retirement of capital stock, net
  • $126Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 8.61%Return on equity (ROE)
  • 3.64%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1766.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 75,847Assets per employee
  • 3.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.80%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 77.07%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 78.65%Net loans and leases to core deposits
  • 79.42%Equity capital to assets
  • 8.95%Core capital (leverage) ratio
  • 9.28%Tier 1 risk-based capital ratio
  • 14.93%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $27,800Average earning assets
  • $2,531Average equity
  • $25,161Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04179Highland State Bank541 North Main Street, Highland, WI 53543June 01, 1903Full Service Brick and Mortar

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