ISB Community Bank in Ixonia, Wisconsin (WI)



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ISB Community Bank
GeneralFDIC Certificate #: 12514
Status: Active
Federal Reserve ID: 529341
Bank Holding Company (Regulatory Top Holder): Ixonia Bancshares, Inc. (RSSDID: 1247295, Location: Ixonia, WI)
Date Established: January 01, 1918
WWW: http://www.isb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 12974
FDIC's unique #: 7962
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: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: Febuary 23, 2012
Last Structure Change Process Date: Febuary 23, 2012
Last Data Update: Febuary 23, 2012
Data Source Date: April 05, 2012
LocationAddress: W 1046 Marietta Ave, Ixonia, WI 53036
County: Jefferson
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
Core Based Statistical Area (CBSA): Watertown-Fort Atkinson, WI (#48020)
CBSA Micro Statistical Area: Yes
Financial SummaryTotal assets: $345.6 mil
Equity capital: $21.2 mil
Deposits held in domestic offices: $312.9 mil
Return on assets (ROA): -1.31% (-$4.5 mil)
Quarterly return on assets: -3.35% (-$11.6 mil)
Return on Equity (ROE): -19.75% (-$4.1 mil)
Quarterly return on equity: -51.52% (-$10.8 mil)
Net income: -$4.8 mil
Quarterly Net income: -$2.9 mil
Pretax return on assets: -1.30% (-$4,493.2 mil)
Quarterly Pretax return on assets: -3.31% (-$11,440.5 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)
Total employees (full-time equivalent)64
Total assets$345,633
Cash and due from depository institutions$53,283
Interest-bearing balances$45,122
Securities$35,721
Federal funds sold & reverse repurchase agreements$793
Net loans & leases$232,605
Loan loss allowance $9,927
Trading account assets$0
Bank premises and fixed assets$10,877
Other real estate owned$3,906
Goodwill and other intangibles$364
All other assets$8,084
Life insurance assets$345,633
Total liabilities and capital$324,414
Total liabilities$312,926
Total deposits$273,694
Interest-bearing deposits$312,926
Deposits held in domestic offices$90
% insured (estimated)8861.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,627
All other liabilities $21,219
Total equity capital$21,219
Total bank equity capital$21,219
Perpetual preferred stock$0
Common stock$200
Surplus$11,350
Undivided profits $9,669
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $369
Income earned, not collected on loans $24,004
Earning assets $0
Long-term assets (5+ years) $997
Average Assets, year-to-date $314,241
Average Assets, quarterly $32,591
Volatile liabilities $363,185
Insider loans $346,884
FHLB advances $253,604
Loans and leases held for sale $342,393
Unused loan commitments $5,552
Tier 1 (core) risk-based capital $5,552
Tier 2 risk-based capital $20,644
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $33,567
Derivatives$3,500
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,093
Total interest expense $3,694
Net interest income $10,399
Provision for loan and lease losses $7,216
Total noninterest income $2,318
Fiduciary activities $0
Service charges on deposit accounts $764
Trading account gains & fees $0
Additional noninterest income $1,554
Total noninterest expense $10,548
Salaries and employee benefits $4,473
Premises and equipment expense $1,510
Additional noninterest expense $4,565
Pre-tax net operating income -$5,047
Securities gains (losses) $327
Applicable income taxes $35
Income before extraordinary items -$4,755
Extraordinary gains - net $0
Net income attributable to bank -$4,755
Net charge-offs $0
Cash dividends -$4,755
Sale, conversion, retirement of capital stock, net $11,448
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.51%
Cost of funding earning assets 1.18%
Net interest margin 3.33%
Noninterest income to earning assets 0.74%
Noninterest expense to earning assets 3.38%
Net operating income to assets -1.40%
Return on assets (ROA) -1.31%
Pretax return on assets -1.30%
Return on equity (ROE) -19.75%
Retained earnings to average equity (YTD only) -19.75%
Net charge-offs to loans 4.28%
Credit loss provision to net charge-offs 63.03%
Efficiency ratio0.19%
Assets per employee$82,944
Cash dividends to net income (YTD only)5.40%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.09%
Noncurrent assets plus other real estate owned to assets 41.36%
Noncurrent loans to loans 8.08%
Net loans and leases to deposits9.90%
Net loans and leases to core deposits 74.33%
Equity capital to assets 87.40%
Core capital (leverage) ratio 6.14%
Tier 1 risk-based capital ratio 6.03%
Total risk-based capital ratio 8.14%
Memoranda
Average assets$9
Average earning assets$363,185
Average equity $24,074
Average loans $312,494
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7 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07962Isb Community BankW 1046 Marietta Ave, Ixonia, WI 53036January 01, 1918Full Service Brick and Mortar
1227287Watertown Branch109 Oakridge Court, Watertown, WI 53094December 26, 1990Full Service Brick and Mortar
2227288Oconomowoc Branch1223 East Summit Avenue, Oconomowoc, WI 53066December 19, 1994Full Service Brick and Mortar
3227289Church Street Branch1725 South Church Street, Watertown, WI 53094January 31, 1997Full Service Brick and Mortar
4358965Dousman Branch491 North Main Street, Dousman, WI 53118December 18, 2000Full Service Brick and Mortar
6465761Three Pillars Branch365 Sunset Drive, Dousman, WI 53118August 02, 2006Limited Service Mobile
7489600Hartland BranchVillage Square Drive, Hartland, WI 53029November 01, 2008Full Service Brick and Mortar
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