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

  • Monona State Bank in Monona, Wisconsin (WI)
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Monona State Bank - Overview

  • General
  • FDIC Certificate #: 33458
    Status: Active
    Federal Reserve ID: 1872996
    Bank Holding Company (Regulatory Top Holder): Monona Bankshares, Inc. (RSSDID: 1889967, Location: Monona, WI)
    Date Established: July 01, 1991
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13938
    FDIC's unique #: 47143
    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: July 01, 1991
    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: 5515 Monona Drive, Monona, WI 53716
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $343.5 mil
    Equity capital: $41.1 mil
    Deposits held in domestic offices: $277.7 mil
    Return on assets (ROA): 0.63% ($2.2 mil)
    Quarterly return on assets: 0.19% ($0.7 mil)
    Return on Equity (ROE): 5.35% ($2.2 mil)
    Quarterly return on equity: 1.55% ($0.6 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.93% ($3,194.9 mil)
    Quarterly Pretax return on assets: 0.18% ($618.4 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
  • 73Total employees (full-time equivalent)
  • $343,542Total assets
  • $41,053Cash and due from depository institutions
  • $28,459Interest-bearing balances
  • $33,643Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $252,510Net loans & leases
  • $6,534Loan loss allowance
  • $0Trading account assets
  • $9,651Bank premises and fixed assets
  • $548Other real estate owned
  • $1,524Goodwill and other intangibles
  • $343,542Life insurance assets
  • $4,613All other assets
  • $302,455Total liabilities and capital
  • $277,716Total liabilities
  • $231,962Total deposits
  • $277,716Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 823.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,500Trading liabilities
  • $0Other borrowed funds
  • $1,416Subordinated debt
  • $41,087All other liabilities
  • $41,087Total equity capital
  • $41,087Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $4,570Surplus
  • $35,267Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,399Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,966Income earned, not collected on loans
  • $0Earning assets
  • $1,081Long-term assets (5+ years)
  • $314,612Average Assets, year-to-date
  • $35,932Average Assets, quarterly
  • $338,295Volatile liabilities
  • $339,767Insider loans
  • $260,202FHLB advances
  • $337,507Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $39,382Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $42,197Restructured Loans and leases
  • $14,672Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,178Total interest income
  • $3,941Total interest expense
  • $12,237Net interest income
  • $1,918Provision for loan and lease losses
  • $2,595Total noninterest income
  • $0Fiduciary activities
  • $506Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,089Additional noninterest income
  • $9,766Total noninterest expense
  • $5,536Salaries and employee benefits
  • $1,117Premises and equipment expense
  • $3,113Additional noninterest expense
  • $3,148Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,014Applicable income taxes
  • $2,134Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,134Net income attributable to bank
  • $0Net charge-offs
  • $2,134Cash dividends
  • $1,008Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.15%Yield on earning assets
  • 1.26%Cost of funding earning assets
  • 3.90%Net interest margin
  • 0.83%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 5.35%Return on equity (ROE)
  • 5.35%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 190.28%Credit loss provision to net charge-offs
  • 5.03%Efficiency ratio
  • 65,844Assets per employee
  • 4.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.52%Loss allowance to noncurrent loans
  • 50.39%Noncurrent assets plus other real estate owned to assets
  • 3.93%Noncurrent loans to loans
  • 5.01%Net loans and leases to deposits
  • 90.92%Net loans and leases to core deposits
  • 101.95%Equity capital to assets
  • 11.96%Core capital (leverage) ratio
  • 11.67%Tier 1 risk-based capital ratio
  • 15.14%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $338,295Average earning assets
  • $39,871Average equity
  • $313,924Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    047143Monona State Bank5515 Monona Drive, Monona, WI 53716July 01, 1991Full Service Brick and Mortar
    1433420Cottage Grove Branch341 West Cottage Grove Road, Cottage Grove, WI 53527November 15, 2004Full Service Brick and Mortar
    2481662Bridge Road Branch6430 Bridge Road, Monona, WI 53716October 20, 2008Full Service Brick and Mortar

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