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

  • Intercity State Bank in Schofield, Wisconsin (WI)
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Intercity State Bank - Overview

  • General
  • FDIC Certificate #: 17128
    Status: Active
    Federal Reserve ID: 1016941
    Bank Holding Company (Regulatory Top Holder): Bosshard Banco, Ltd. (RSSDID: 1124163, Location: Lacrosse, WI)
    Date Established: July 14, 1952
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15900
    FDIC's unique #: 11171
    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: July 14, 1952
    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: 962 Grand Avenue, Schofield, WI 54476
    County: Marathon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Wausau, WI (#8940)
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Wausau, WI (#48140)
    CBSA Metro Statistical Area: Wausau, WI (#48140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $161.6 mil
    Equity capital: $25.3 mil
    Deposits held in domestic offices: $135.3 mil
    Return on assets (ROA): 0.62% ($1.0 mil)
    Quarterly return on assets: 1.30% ($2.1 mil)
    Return on Equity (ROE): 3.85% ($1.0 mil)
    Quarterly return on equity: 8.10% ($2.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.35% ($2,181.2 mil)
    Quarterly Pretax return on assets: 2.15% ($3,473.8 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
  • 33Total employees (full-time equivalent)
  • $161,572Total assets
  • $23,313Cash and due from depository institutions
  • $18,701Interest-bearing balances
  • $15,067Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $118,382Net loans & leases
  • $2,444Loan loss allowance
  • $0Trading account assets
  • $1,602Bank premises and fixed assets
  • $1,682Other real estate owned
  • $0Goodwill and other intangibles
  • $161,572Life insurance assets
  • $1,526All other assets
  • $136,252Total liabilities and capital
  • $135,344Total liabilities
  • $115,309Total deposits
  • $135,344Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $908Subordinated debt
  • $25,320All other liabilities
  • $25,320Total equity capital
  • $25,320Total bank equity capital
  • $0Perpetual preferred stock
  • $586Common stock
  • $4,414Surplus
  • $20,320Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $652Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,120Income earned, not collected on loans
  • $0Earning assets
  • $478Long-term assets (5+ years)
  • $152,150Average Assets, year-to-date
  • $3,859Average Assets, quarterly
  • $161,647Volatile liabilities
  • $160,332Insider loans
  • $124,670FHLB advances
  • $156,962Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,320Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,443Restructured Loans and leases
  • $717Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,340Total interest income
  • $1,579Total interest expense
  • $5,761Net interest income
  • $1,555Provision for loan and lease losses
  • $1,040Total noninterest income
  • $0Fiduciary activities
  • $90Service charges on deposit accounts
  • $0Trading account gains & fees
  • $950Additional noninterest income
  • $3,060Total noninterest expense
  • $1,505Salaries and employee benefits
  • $489Premises and equipment expense
  • $1,066Additional noninterest expense
  • $2,186Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,188Applicable income taxes
  • $998Income before extraordinary items
  • $0Extraordinary gains - net
  • $998Net income attributable to bank
  • $0Net charge-offs
  • $998Cash dividends
  • $519Sale, conversion, retirement of capital stock, net
  • $1,465Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 1.99%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 1.35%Pretax return on assets
  • 3.85%Return on equity (ROE)
  • -1.80%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 299.61%Credit loss provision to net charge-offs
  • 7.21%Efficiency ratio
  • 44,993Assets per employee
  • 4.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 146.79%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 59.32%Noncurrent assets plus other real estate owned to assets
  • 3.59%Noncurrent loans to loans
  • 3.41%Net loans and leases to deposits
  • 87.47%Net loans and leases to core deposits
  • 91.87%Equity capital to assets
  • 15.67%Core capital (leverage) ratio
  • 16.13%Tier 1 risk-based capital ratio
  • 20.31%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $161,647Average earning assets
  • $25,900Average equity
  • $153,796Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011171Intercity State Bank962 Grand Avenue, Schofield, WI 54476July 14, 1952Full Service Brick and Mortar
    1240623Schofield Branch2900 Schofield Avenue, Schofield, WI 54476November 05, 1990Full Service Brick and Mortar
    2478958Wausau Office Branch3600 Stewart Ave, Wausau, WI 54401October 01, 2007Full Service Brick and Mortar

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