Lincoln Community Bank in Merrill, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Lincoln Community Bank in Merrill, Wisconsin (WI)
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Lincoln Community Bank - Overview

  • General
  • FDIC Certificate #: 9042
    Status: Active
    Federal Reserve ID: 14052
    Bank Holding Company (Regulatory Top Holder): United Citizens 401(K) Savings Plan (RSSDID: 3682537, Location: Osseo, WI)
    Date Established: January 01, 1897
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 5781
    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: January 10, 2012
    Last Structure Change Process Date: January 10, 2012
    Last Data Update: January 10, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 1400 East Main Street, Merrill, WI 54452
    County: Lincoln
    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
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Merrill, WI (#32980)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $62.0 mil
    Equity capital: $6.6 mil
    Deposits held in domestic offices: $54.3 mil
    Return on assets (ROA): 0.34% ($0.2 mil)
    Quarterly return on assets: 0.82% ($0.5 mil)
    Return on Equity (ROE): 3.23% ($0.2 mil)
    Quarterly return on equity: 7.58% ($0.5 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.33% ($204.8 mil)
    Quarterly Pretax return on assets: 1.11% ($688.8 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
  • 19Total employees (full-time equivalent)
  • $62,050Total assets
  • $10,031Cash and due from depository institutions
  • $8,473Interest-bearing balances
  • $12,409Securities
  • $490Federal funds sold & reverse repurchase agreements
  • $34,762Net loans & leases
  • $949Loan loss allowance
  • $0Trading account assets
  • $1,683Bank premises and fixed assets
  • $315Other real estate owned
  • $0Goodwill and other intangibles
  • $62,050Life insurance assets
  • $2,360All other assets
  • $55,412Total liabilities and capital
  • $54,326Total liabilities
  • $42,635Total deposits
  • $54,326Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $86Subordinated debt
  • $6,638All other liabilities
  • $6,638Total equity capital
  • $6,638Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,500Surplus
  • $4,138Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,859Income earned, not collected on loans
  • $0Earning assets
  • $224Long-term assets (5+ years)
  • $56,134Average Assets, year-to-date
  • $9,698Average Assets, quarterly
  • $62,868Volatile liabilities
  • $61,319Insider loans
  • $37,965FHLB advances
  • $60,842Loans and leases held for sale
  • $1,363Unused loan commitments
  • $1,025Tier 1 (core) risk-based capital
  • $6,378Tier 2 risk-based capital
  • $338Total risk weighted assets
  • $0Total unused commitments
  • $2,137Restructured Loans and leases
  • $1,011Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,463Total interest income
  • $375Total interest expense
  • $2,088Net interest income
  • $168Provision for loan and lease losses
  • $268Total noninterest income
  • $0Fiduciary activities
  • $183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $85Additional noninterest income
  • $2,056Total noninterest expense
  • $842Salaries and employee benefits
  • $352Premises and equipment expense
  • $862Additional noninterest expense
  • $132Pre-tax net operating income
  • $76Securities gains (losses)
  • -$3Applicable income taxes
  • $211Income before extraordinary items
  • $0Extraordinary gains - net
  • $211Net income attributable to bank
  • $0Net charge-offs
  • $211Cash dividends
  • $270Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 3.57%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.33%Pretax return on assets
  • 3.23%Return on equity (ROE)
  • 3.23%Retained earnings to average equity (YTD only)
  • 0.72%Net charge-offs to loans
  • 62.22%Credit loss provision to net charge-offs
  • 1.11%Efficiency ratio
  • 87,267Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.66%Loss allowance to noncurrent loans
  • 33.19%Noncurrent assets plus other real estate owned to assets
  • 5.12%Noncurrent loans to loans
  • 8.01%Net loans and leases to deposits
  • 63.99%Net loans and leases to core deposits
  • 67.62%Equity capital to assets
  • 10.70%Core capital (leverage) ratio
  • 10.48%Tier 1 risk-based capital ratio
  • 16.80%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $62,868Average earning assets
  • $6,527Average equity
  • $57,652Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05781Lincoln Community Bank1400 East Main Street, Merrill, WI 54452January 01, 1897Full Service Brick and Mortar
    1219325Gleason BranchNorth 5349 Highway 17, Gleason, WI 54435April 27, 1971Limited Service Facility
    2219326West Branch319 W Main St, Merrill, WI 54452January 17, 1977Limited Service Facility

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