Investors Community Bank in Manitowoc, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Investors Community Bank in Manitowoc, Wisconsin (WI)
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Investors Community Bank - Overview

  • General
  • FDIC Certificate #: 34295
    Status: Active
    Federal Reserve ID: 2524797
    Bank Holding Company (Regulatory Top Holder): County Bancorp, Inc. (RSSDID: 2524788, Location: Manitowoc, WI)
    Date Established: March 17, 1997
    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 #: 57054
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: March 17, 1997
    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: 860 North Rapids Road, Manitowoc, WI 54220
    County: Manitowoc
    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
    Core Based Statistical Area (CBSA): Manitowoc, WI (#31820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $677.8 mil
    Equity capital: $84.8 mil
    Deposits held in domestic offices: $550.4 mil
    Return on assets (ROA): 0.97% ($6.6 mil)
    Quarterly return on assets: 1.17% ($7.9 mil)
    Return on Equity (ROE): 8.96% ($7.6 mil)
    Quarterly return on equity: 9.52% ($8.1 mil)
    Net income: $6.6 mil
    Quarterly Net income: $2.0 mil
    Pretax return on assets: 1.54% ($10,437.7 mil)
    Quarterly Pretax return on assets: 1.86% ($12,606.5 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
  • 77Total employees (full-time equivalent)
  • $677,771Total assets
  • $28,032Cash and due from depository institutions
  • $23,630Interest-bearing balances
  • $48,570Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $568,823Net loans & leases
  • $9,090Loan loss allowance
  • $0Trading account assets
  • $3,116Bank premises and fixed assets
  • $6,543Other real estate owned
  • $5,024Goodwill and other intangibles
  • $677,771Life insurance assets
  • $17,663All other assets
  • $592,961Total liabilities and capital
  • $550,415Total liabilities
  • $504,821Total deposits
  • $550,415Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $37,565Trading liabilities
  • $0Other borrowed funds
  • $4,981Subordinated debt
  • $84,810All other liabilities
  • $84,810Total equity capital
  • $84,810Total bank equity capital
  • $0Perpetual preferred stock
  • $4,132Common stock
  • $46,374Surplus
  • $34,304Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,852Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,864Income earned, not collected on loans
  • $2,874Earning assets
  • $1,644Long-term assets (5+ years)
  • $641,023Average Assets, year-to-date
  • $51,026Average Assets, quarterly
  • $678,837Volatile liabilities
  • $680,963Insider loans
  • $589,401FHLB advances
  • $678,517Loans and leases held for sale
  • $10,413Unused loan commitments
  • $6,761Tier 1 (core) risk-based capital
  • $83,411Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,652Total unused commitments
  • $90,347Restructured Loans and leases
  • $6,631Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $33,745Total interest income
  • $11,563Total interest expense
  • $22,182Net interest income
  • $4,475Provision for loan and lease losses
  • $5,435Total noninterest income
  • $0Fiduciary activities
  • $225Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,210Additional noninterest income
  • $12,710Total noninterest expense
  • $7,582Salaries and employee benefits
  • $854Premises and equipment expense
  • $4,274Additional noninterest expense
  • $10,432Pre-tax net operating income
  • $0Securities gains (losses)
  • $3,827Applicable income taxes
  • $6,605Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,605Net income attributable to bank
  • $0Net charge-offs
  • $6,605Cash dividends
  • $8,630Sale, conversion, retirement of capital stock, net
  • $1,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.23%Yield on earning assets
  • 1.79%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 1.97%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 8.96%Return on equity (ROE)
  • 7.33%Retained earnings to average equity (YTD only)
  • 1.48%Net charge-offs to loans
  • 51.85%Credit loss provision to net charge-offs
  • 1.73%Efficiency ratio
  • 46,022Assets per employee
  • 8.80%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.17%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 36.56%Noncurrent assets plus other real estate owned to assets
  • 4.63%Noncurrent loans to loans
  • 4.30%Net loans and leases to deposits
  • 103.34%Net loans and leases to core deposits
  • 167.37%Equity capital to assets
  • 12.51%Core capital (leverage) ratio
  • 12.29%Tier 1 risk-based capital ratio
  • 14.15%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $678,837Average earning assets
  • $73,733Average equity
  • $645,582Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057054Investors Community Bank860 North Rapids Road, Manitowoc, WI 54220March 17, 1997Full Service Brick and Mortar

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