M&I Lancaster State Bank in Lancaster, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1995

M&I Lancaster State Bank in Lancaster, Wisconsin (WI)
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M&I Lancaster State Bank - Overview

General
FDIC Certificate #: 12329
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: M&I Bank Southwest (#15072)
Federal Reserve ID: 662042
Date Established: January 12, 1931
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 7840
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 01, 1995
Last Structure Change Process Date: August 21, 1995
Last Data Update: August 21, 1995
Data Source Date: April 05, 2012
Location
Address: Main Street, Lancaster, WI 53813
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
Financial Summary
Total assets: $53.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$23Total assets
$51,056Cash and due from depository institutions
$1,043Interest-bearing balances
$0Securities
$15,880Federal funds sold & reverse repurchase agreements
$78Net loans & leases
$32,571Loan loss allowance
$526Trading account assets
$0Bank premises and fixed assets
$436Other real estate owned
$0Goodwill and other intangibles
$1,048Life insurance assets
$0All other assets
$0Total liabilities and capital
$51,056Total liabilities
$46,505Total deposits
$43,474Interest-bearing deposits
$38,602Deposits held in domestic offices
43474.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$2,150Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$881Total equity capital
$881Total bank equity capital
$4,551Perpetual preferred stock
$0Common stock
$350Surplus
$3,175Undivided profits
Memoranda
$1,026Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$57Income earned, not collected on loans
$400Earning assets
$48,529Long-term assets (5+ years)
$9,320Average Assets, year-to-date
$49,730Average Assets, quarterly
$50,931Volatile liabilities
$3,764Insider loans
$2,195FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,057Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,848Total risk weighted assets
$35,302Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$3,518Total interest expense
$1,508Net interest income
$2,010Provision for loan and lease losses
$48Total noninterest income
$279Fiduciary activities
$0Service charges on deposit accounts
$160Trading account gains & fees
$0Additional noninterest income
$119Total noninterest expense
$1,591Salaries and employee benefits
$874Premises and equipment expense
$113Additional noninterest expense
$604Pre-tax net operating income
$650Securities gains (losses)
-$73Applicable income taxes
$177Income before extraordinary items
$400Extraordinary gains - net
$0Net income attributable to bank
$400Net charge-offs
$5Cash dividends
$336Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.43%Cost of funding earning assets
3.18%Net interest margin
4.24%Noninterest income to earning assets
0.59%Noninterest expense to earning assets
3.36%Net operating income to assets
0.91%Return on assets (ROA)
0.80%Pretax return on assets
1.16%Return on equity (ROE)
8.65%Retained earnings to average equity (YTD only)
1.38%Net charge-offs to loans
0.02%Credit loss provision to net charge-offs
960.00%Efficiency ratio
69,506Assets per employee
2.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.00%Loss allowance to loans
1.59%Loss allowance to noncurrent loans
922.81%Noncurrent assets plus other real estate owned to assets
0.11%Noncurrent loans to loans
0.17%Net loans and leases to deposits
74.92%Net loans and leases to core deposits
77.81%Equity capital to assets
8.91%Core capital (leverage) ratio
9.57%Tier 1 risk-based capital ratio
13.73%Total risk-based capital ratio
Memoranda
$15Average assets
$49,730Average earning assets
$4,625Average equity
$47,359Average loans

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