Lincoln Community Bank in Milwaukee, Wisconsin (WI)

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Lincoln Community Bank
GeneralFDIC Certificate #: 29939
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Lincoln State Bank (#13028)
Federal Reserve ID: 678472
Date Established: January 01, 1910
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 4387
FDIC's unique #: 42773
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
SAIF Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 14, 1941
Last Structure Change Effective Date: Febuary 19, 2002
Last Structure Change Process Date: March 22, 2002
Last Data Update: March 22, 2002
Data Source Date: April 05, 2012
LocationAddress: 3131 South 13th Street, Milwaukee, WI 53215
County: Milwaukee
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
Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
Financial SummaryTotal assets: $109.2 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, 2001)
(Dollar figures in thousands)
Total employees (full-time equivalent)23
Total assets$109,176
Cash and due from depository institutions$2,279
Interest-bearing balances$50
Federal funds sold & reverse repurchase agreements$1,492
Net loans & leases$84,528
Loan loss allowance $833
Trading account assets$0
Bank premises and fixed assets$1,319
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$2,607
Life insurance assets$0
Total liabilities and capital$109,176
Total liabilities$99,470
Total deposits$84,229
Interest-bearing deposits$79,450
Deposits held in domestic offices$84,229
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $15,000
Subordinated debt $0
All other liabilities $241
Total equity capital$9,706
Total bank equity capital$9,706
Perpetual preferred stock$9,706
Common stock$0
Undivided profits $1,680
Noncurrent loans and leases $7,776
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,858
Income earned, not collected on loans $0
Earning assets $529
Long-term assets (5+ years) $0
Average Assets, year-to-date $516
Average Assets, quarterly $103,021
Volatile liabilities $20,985
Insider loans $110,474
FHLB advances $109,697
Loans and leases held for sale $20,935
Unused loan commitments $5,922
Tier 1 (core) risk-based capital $15,000
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $2,858
Restructured Loans and leases $0
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Income and Expense (December 31, 2001)
(Dollar figures in thousands)
Total interest income $7,771
Total interest expense $3,781
Net interest income $3,990
Provision for loan and lease losses $240
Total noninterest income $249
Fiduciary activities $0
Service charges on deposit accounts $101
Trading account gains & fees $0
Additional noninterest income $148
Total noninterest expense $2,487
Salaries and employee benefits $757
Premises and equipment expense $225
Additional noninterest expense $1,505
Pre-tax net operating income $1,512
Securities gains (losses) $46
Applicable income taxes $460
Income before extraordinary items $1,098
Extraordinary gains - net $0
Net income attributable to bank $1,098
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $269
Net operating income $645
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Performance and Condition Ratios (December 31, 2001)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.40%
Cost of funding earning assets 3.60%
Net interest margin 3.80%
Noninterest income to earning assets 0.24%
Noninterest expense to earning assets 2.37%
Net operating income to assets 0.96%
Return on assets (ROA) 0.99%
Pretax return on assets 1.41%
Return on equity (ROE) 11.60%
Retained earnings to average equity (YTD only) 4.78%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 89.22%
Efficiency ratio6.51%
Assets per employee$58,669
Cash dividends to net income (YTD only)4.75%
Condition Ratios (%)
Loss allowance to loans 58.74%
Loss allowance to noncurrent loans 0.98%
Noncurrent assets plus other real estate owned to assets 157.47%
Noncurrent loans to loans 0.48%
Net loans and leases to deposits0.62%
Net loans and leases to core deposits 100.35%
Equity capital to assets 107.96%
Core capital (leverage) ratio 8.89%
Tier 1 risk-based capital ratio 8.72%
Total risk-based capital ratio 11.13%
Average assets$12
Average earning assets$110,474
Average equity $9,468
Average loans $104,971
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