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

  • Middleton Community Bank in Middleton, Wisconsin (WI)
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Middleton Community Bank - Overview

  • General
  • FDIC Certificate #: 33978
    Status: Active
    Federal Reserve ID: 2267683
    Bank Holding Company (Regulatory Top Holder): Mcb Bankshares, Inc. (RSSDID: 3264447, Location: Middleton, WI)
    Date Established: January 31, 1995
    WWW: http://www.middletonbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14437
    FDIC's unique #: 55352
    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 31, 1995
    Last Structure Change Effective Date: December 31, 2006
    Last Structure Change Process Date: January 31, 2008
    Last Data Update: January 31, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 3207 Parmenter Street, Middleton, WI 53562
    County: Dane
    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
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $218.1 mil
    Equity capital: $26.9 mil
    Deposits held in domestic offices: $185.0 mil
    Return on assets (ROA): 0.80% ($1.7 mil)
    Quarterly return on assets: 1.00% ($2.2 mil)
    Return on Equity (ROE): 6.71% ($1.8 mil)
    Quarterly return on equity: 8.18% ($2.2 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.09% ($2,377.7 mil)
    Quarterly Pretax return on assets: 1.41% ($3,075.7 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
  • 44Total employees (full-time equivalent)
  • $218,136Total assets
  • $4,239Cash and due from depository institutions
  • $26Interest-bearing balances
  • $52,164Securities
  • $7,554Federal funds sold & reverse repurchase agreements
  • $141,894Net loans & leases
  • $4,659Loan loss allowance
  • $0Trading account assets
  • $2,961Bank premises and fixed assets
  • $1,351Other real estate owned
  • $0Goodwill and other intangibles
  • $218,136Life insurance assets
  • $7,973All other assets
  • $191,239Total liabilities and capital
  • $185,030Total liabilities
  • $163,222Total deposits
  • $185,030Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 1863.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $1,346Subordinated debt
  • $26,897All other liabilities
  • $26,897Total equity capital
  • $26,897Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $4,500Surplus
  • $21,897Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,126Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,433Income earned, not collected on loans
  • $0Earning assets
  • $819Long-term assets (5+ years)
  • $201,638Average Assets, year-to-date
  • $30,857Average Assets, quarterly
  • $216,228Volatile liabilities
  • $218,631Insider loans
  • $167,959FHLB advances
  • $218,652Loans and leases held for sale
  • $4,781Unused loan commitments
  • $2,485Tier 1 (core) risk-based capital
  • $25,987Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,296Total unused commitments
  • $32,952Restructured Loans and leases
  • $6,474Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,932Total interest income
  • $2,320Total interest expense
  • $7,612Net interest income
  • $1,800Provision for loan and lease losses
  • $2,017Total noninterest income
  • $0Fiduciary activities
  • $433Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,584Additional noninterest income
  • $5,482Total noninterest expense
  • $3,296Salaries and employee benefits
  • $536Premises and equipment expense
  • $1,650Additional noninterest expense
  • $2,347Pre-tax net operating income
  • $0Securities gains (losses)
  • $622Applicable income taxes
  • $1,725Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,725Net income attributable to bank
  • $0Net charge-offs
  • $1,725Cash dividends
  • $333Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.96%Yield on earning assets
  • 1.16%Cost of funding earning assets
  • 3.80%Net interest margin
  • 1.01%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 6.71%Return on equity (ROE)
  • 6.71%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 540.54%Credit loss provision to net charge-offs
  • 12.45%Efficiency ratio
  • 56,932Assets per employee
  • 4.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.18%Loss allowance to noncurrent loans
  • 325.12%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 0.98%Net loans and leases to deposits
  • 76.69%Net loans and leases to core deposits
  • 104.25%Equity capital to assets
  • 12.33%Core capital (leverage) ratio
  • 11.89%Tier 1 risk-based capital ratio
  • 15.47%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $216,228Average earning assets
  • $25,704Average equity
  • $200,066Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055352Middleton Community Bank3207 Parmenter Street, Middleton, WI 53562January 31, 1995Full Service Brick and Mortar
    1473856Brooklyn Branch229 Douglas Drive, Brooklyn, WI 53521March 03, 2008Full Service Brick and Mortar
    2473857Belleville Branch1029 River Street, Belleville, WI 53508March 18, 2008Full Service Brick and Mortar
    3515751Sauk City Branch603 Phillips Boulevard, Sauk City, WI 53583January 11, 2011Full Service Brick and Mortar

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