FDIC Certificate #: 12354 Status: Active Federal Reserve ID: 467144 Bank Holding Company (Regulatory Top Holder): Hustisford Community Bancorp., Inc. (RSSDID: 2999854, Location: Hustisford, WI) Date Established: January 06, 1902 WWW:http://www.hustisfordstatebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 14162 FDIC's unique #: 7859 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: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 17, 2007 Last Structure Change Process Date: December 21, 2007 Last Data Update: December 21, 2007 Data Source Date: April 05, 2012
Location
Address: 200 South Lake Street, Hustisford, WI 53034 County: Dodge 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 Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252) Core Based Statistical Area (CBSA): Beaver Dam, WI (#13180) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $53.3 mil Equity capital: $7.4 mil Deposits held in domestic offices: $44.4 mil Return on assets (ROA): 1.10% ($0.6 mil) Quarterly return on assets: 0.96% ($0.5 mil) Return on Equity (ROE): 8.03% ($0.6 mil) Quarterly return on equity: 6.93% ($0.5 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.66% ($884.1 mil) Quarterly Pretax return on assets: 1.67% ($889.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
11Total employees (full-time equivalent)
$53,259Total assets
$2,561Cash and due from depository institutions
$12Interest-bearing balances
$5,433Securities
$940Federal funds sold & reverse repurchase agreements
$40,951Net loans & leases
$650Loan loss allowance
$0Trading account assets
$1,923Bank premises and fixed assets
$195Other real estate owned
$0Goodwill and other intangibles
$53,259Life insurance assets
$1,256All other assets
$45,840Total liabilities and capital
$44,444Total liabilities
$36,817Total deposits
$44,444Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$396Subordinated debt
$7,419All other liabilities
$7,419Total equity capital
$7,419Total bank equity capital
$0Perpetual preferred stock
$480Common stock
$2,020Surplus
$4,919Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$680Income earned, not collected on loans
$0Earning assets
$182Long-term assets (5+ years)
$47,336Average Assets, year-to-date
$19,717Average Assets, quarterly
$53,762Volatile liabilities
$54,112Insider loans
$34,949FHLB advances
$53,756Loans and leases held for sale
$308Unused loan commitments
$308Tier 1 (core) risk-based capital
$7,331Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,613Restructured Loans and leases
$1,134Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,795Total interest income
$496Total interest expense
$2,299Net interest income
$186Provision for loan and lease losses
$132Total noninterest income
$0Fiduciary activities
$92Service charges on deposit accounts
$0Trading account gains & fees
$40Additional noninterest income
$1,350Total noninterest expense
$815Salaries and employee benefits
$228Premises and equipment expense
$307Additional noninterest expense
$895Pre-tax net operating income
$0Securities gains (losses)
$305Applicable income taxes
$590Income before extraordinary items
$0Extraordinary gains - net
$590Net income attributable to bank
$0Net charge-offs
$590Cash dividends
$124Sale, conversion, retirement of capital stock, net
$300Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.73%Yield on earning assets
1.02%Cost of funding earning assets
4.71%Net interest margin
0.27%Noninterest income to earning assets
2.77%Noninterest expense to earning assets
1.10%Net operating income to assets
1.10%Return on assets (ROA)
1.66%Pretax return on assets
8.03%Return on equity (ROE)
3.95%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
150.00%Credit loss provision to net charge-offs
8.72%Efficiency ratio
55,533Assets per employee
4.84%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.85%Loss allowance to loans
1.56%Loss allowance to noncurrent loans
95.59%Noncurrent assets plus other real estate owned to assets
1.64%Noncurrent loans to loans
1.63%Net loans and leases to deposits
92.14%Net loans and leases to core deposits
101.44%Equity capital to assets
13.93%Core capital (leverage) ratio
13.64%Tier 1 risk-based capital ratio
20.98%Total risk-based capital ratio
Memoranda
$22Average assets
$53,762Average earning assets
$7,345Average equity
$48,766Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7859
Hustisford State Bank
200 South Lake Street, Hustisford, WI 53034
January 06, 1902
Full Service Brick and Mortar
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