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
    WWW: http://www.livingstonbank.com
    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

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Livingston State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents