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


Hustisford State Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    07859Hustisford State Bank200 South Lake Street, Hustisford, WI 53034January 06, 1902Full Service Brick and Mortar

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