Milton Savings Bank in Milton, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Milton Savings Bank in Milton, Wisconsin (WI)
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Milton Savings Bank - Overview

  • General
  • FDIC Certificate #: 30426
    Status: Active
    Federal Reserve ID: 276775
    Date Established: January 01, 1904
    WWW: http://www.miltonsavingsbank.net
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 5319
    FDIC's unique #: 43260
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: July 30, 1956
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 110 Parkview Drive, Milton, WI 53563
    County: Rock
    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): Janesville-Beloit, WI (#3620)
    Core Based Statistical Area (CBSA): Janesville, WI (#27500)
    CBSA Metro Statistical Area: Janesville, WI (#27500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $15.8 mil
    Equity capital: $1.2 mil
    Deposits held in domestic offices: $14.5 mil
    Return on assets (ROA): -0.36% (-$0.1 mil)
    Quarterly return on assets: -0.61% (-$0.1 mil)
    Return on Equity (ROE): -4.83% (-$0.0 mil)
    Quarterly return on equity: -8.14% (-$0.1 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.36% (-$56.7 mil)
    Quarterly Pretax return on assets: -0.61% (-$96.1 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
  • 7Total employees (full-time equivalent)
  • $15,752Total assets
  • $750Cash and due from depository institutions
  • $345Interest-bearing balances
  • $1,600Securities
  • $2,214Federal funds sold & reverse repurchase agreements
  • $10,094Net loans & leases
  • $109Loan loss allowance
  • $0Trading account assets
  • $169Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $15,752Life insurance assets
  • $925All other assets
  • $14,584Total liabilities and capital
  • $14,525Total liabilities
  • $14,050Total deposits
  • $14,525Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $59Subordinated debt
  • $1,168All other liabilities
  • $1,168Total equity capital
  • $1,168Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $1,168Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $178Income earned, not collected on loans
  • $0Earning assets
  • $43Long-term assets (5+ years)
  • $14,253Average Assets, year-to-date
  • $4,025Average Assets, quarterly
  • $15,967Volatile liabilities
  • $15,755Insider loans
  • $8,879FHLB advances
  • $15,661Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $1,066Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $194Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $720Total interest income
  • $109Total interest expense
  • $611Net interest income
  • $5Provision for loan and lease losses
  • $72Total noninterest income
  • $0Fiduciary activities
  • $53Service charges on deposit accounts
  • $0Trading account gains & fees
  • $19Additional noninterest income
  • $736Total noninterest expense
  • $370Salaries and employee benefits
  • $77Premises and equipment expense
  • $289Additional noninterest expense
  • -$58Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$58Income before extraordinary items
  • $0Extraordinary gains - net
  • -$58Net income attributable to bank
  • $0Net charge-offs
  • -$58Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 5.15%Noninterest expense to earning assets
  • -0.36%Net operating income to assets
  • -0.36%Return on assets (ROA)
  • -0.36%Pretax return on assets
  • -4.83%Return on equity (ROE)
  • -4.83%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 166.67%Credit loss provision to net charge-offs
  • -17.67%Efficiency ratio
  • 107,760Assets per employee
  • 2.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.07%Loss allowance to noncurrent loans
  • 61.24%Noncurrent assets plus other real estate owned to assets
  • 1.13%Noncurrent loans to loans
  • 1.74%Net loans and leases to deposits
  • 69.49%Net loans and leases to core deposits
  • 69.49%Equity capital to assets
  • 7.41%Core capital (leverage) ratio
  • 6.81%Tier 1 risk-based capital ratio
  • 12.01%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $15,967Average earning assets
  • $1,201Average equity
  • $14,293Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043260Milton Savings Bank110 Parkview Drive, Milton, WI 53563January 01, 1904Full Service Brick and Mortar

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