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

Livingston State Bank - Overview

  • General
  • FDIC Certificate #: 6185
    Status: Active
    Federal Reserve ID: 478944
    Bank Holding Company (Regulatory Top Holder): Rural Bancshares Of Wisconsin, Inc. (RSSDID: 3298901, Location: Livingston, WI)
    Date Established: August 14, 1903
    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 #: 4169
    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: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 125 N Center Street, Livingston, WI 53554
    County: Grant
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Platteville, WI (#38420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Change in Location
  • Financial Summary
  • Total assets: $151.3 mil
    Equity capital: $16.5 mil
    Deposits held in domestic offices: $134.2 mil
    Return on assets (ROA): 0.76% ($1.1 mil)
    Quarterly return on assets: 1.27% ($1.9 mil)
    Return on Equity (ROE): 7.26% ($1.2 mil)
    Quarterly return on equity: 11.78% ($1.9 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.09% ($1,649.6 mil)
    Quarterly Pretax return on assets: 1.83% ($2,769.4 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
  • 26Total employees (full-time equivalent)
  • $151,336Total assets
  • $5,312Cash and due from depository institutions
  • $250Interest-bearing balances
  • $15,363Securities
  • $13,591Federal funds sold & reverse repurchase agreements
  • $107,509Net loans & leases
  • $2,214Loan loss allowance
  • $0Trading account assets
  • $1,003Bank premises and fixed assets
  • $1,486Other real estate owned
  • $1,700Goodwill and other intangibles
  • $151,336Life insurance assets
  • $5,372All other assets
  • $134,856Total liabilities and capital
  • $134,167Total liabilities
  • $118,172Total deposits
  • $134,167Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $689Subordinated debt
  • $16,480All other liabilities
  • $16,480Total equity capital
  • $16,480Total bank equity capital
  • $0Perpetual preferred stock
  • $75Common stock
  • $5,962Surplus
  • $10,443Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,492Income earned, not collected on loans
  • $0Earning assets
  • $1,277Long-term assets (5+ years)
  • $136,713Average Assets, year-to-date
  • $12,367Average Assets, quarterly
  • $150,571Volatile liabilities
  • $150,528Insider loans
  • $110,756FHLB advances
  • $148,139Loans and leases held for sale
  • $2,404Unused loan commitments
  • $2,404Tier 1 (core) risk-based capital
  • $14,542Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,295Restructured Loans and leases
  • $1,777Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,616Total interest income
  • $1,744Total interest expense
  • $5,872Net interest income
  • $829Provision for loan and lease losses
  • $492Total noninterest income
  • $0Fiduciary activities
  • $296Service charges on deposit accounts
  • $0Trading account gains & fees
  • $196Additional noninterest income
  • $3,888Total noninterest expense
  • $1,727Salaries and employee benefits
  • $377Premises and equipment expense
  • $1,784Additional noninterest expense
  • $1,647Pre-tax net operating income
  • $1Securities gains (losses)
  • $506Applicable income taxes
  • $1,142Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,142Net income attributable to bank
  • $0Net charge-offs
  • $1,142Cash dividends
  • $933Sale, conversion, retirement of capital stock, net
  • $253Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.61%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 4.33%Net interest margin
  • 0.36%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 7.26%Return on equity (ROE)
  • 5.65%Retained earnings to average equity (YTD only)
  • 0.83%Net charge-offs to loans
  • 88.85%Credit loss provision to net charge-offs
  • 2.65%Efficiency ratio
  • 59,082Assets per employee
  • 5.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.15%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 148.39%Noncurrent assets plus other real estate owned to assets
  • 2.46%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 80.13%Net loans and leases to core deposits
  • 87.50%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 13.13%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $150,571Average earning assets
  • $15,739Average equity
  • $135,649Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04169Livingston State Bank125 N Center Street, Livingston, WI 53554August 14, 1903Full Service Brick and Mortar
    1468824Platteville-Walmart Branch1800 Progressive Pkwy, Platteville, WI 53818April 19, 2006Full Service Retail
    2511679Platteville Main Street Office Branc170 West Main Street, Platteville, WI 53818July 15, 2009Full Service Brick and Mortar

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