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

  • North Milwaukee State Bank in Milwaukee, Wisconsin (WI)
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North Milwaukee State Bank - Overview

  • General
  • FDIC Certificate #: 20364
    Status: Active
    Federal Reserve ID: 759540
    Bank Holding Company (Regulatory Top Holder): North Milwaukee Bancshares, Inc. (RSSDID: 1889958, Location: Milwaukee, WI)
    Date Established: Febuary 12, 1971
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 13963
    FDIC's unique #: 14027
    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: Febuary 12, 1971
    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: 5630 West Fond Du Lac Avenue, Milwaukee, WI 53216
    County: Milwaukee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $89.4 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $76.7 mil
    Return on assets (ROA): -0.56% (-$0.5 mil)
    Quarterly return on assets: -2.26% (-$2.0 mil)
    Return on Equity (ROE): -6.06% (-$0.5 mil)
    Quarterly return on equity: -25.17% (-$2.0 mil)
    Net income: -$0.5 mil
    Quarterly Net income: -$0.5 mil
    Pretax return on assets: -1.00% (-$894.5 mil)
    Quarterly Pretax return on assets: -3.81% (-$3,408.0 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
  • 24Total employees (full-time equivalent)
  • $89,449Total assets
  • $3,962Cash and due from depository institutions
  • $1,100Interest-bearing balances
  • $13,294Securities
  • $7,062Federal funds sold & reverse repurchase agreements
  • $61,613Net loans & leases
  • $2,498Loan loss allowance
  • $0Trading account assets
  • $1,092Bank premises and fixed assets
  • $1,114Other real estate owned
  • $0Goodwill and other intangibles
  • $89,449Life insurance assets
  • $1,312All other assets
  • $81,604Total liabilities and capital
  • $76,684Total liabilities
  • $65,531Total deposits
  • $76,684Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,338Trading liabilities
  • $0Other borrowed funds
  • $582Subordinated debt
  • $7,845All other liabilities
  • $7,845Total equity capital
  • $7,845Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $4,002Surplus
  • $3,593Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,870Income earned, not collected on loans
  • $0Earning assets
  • $301Long-term assets (5+ years)
  • $83,069Average Assets, year-to-date
  • $6,855Average Assets, quarterly
  • $90,131Volatile liabilities
  • $90,296Insider loans
  • $64,666FHLB advances
  • $91,531Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,547Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,717Restructured Loans and leases
  • $2,968Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,644Total interest income
  • $1,093Total interest expense
  • $3,551Net interest income
  • $1,780Provision for loan and lease losses
  • $830Total noninterest income
  • $0Fiduciary activities
  • $235Service charges on deposit accounts
  • $0Trading account gains & fees
  • $595Additional noninterest income
  • $3,503Total noninterest expense
  • $1,614Salaries and employee benefits
  • $384Premises and equipment expense
  • $1,505Additional noninterest expense
  • -$902Pre-tax net operating income
  • $0Securities gains (losses)
  • -$401Applicable income taxes
  • -$501Income before extraordinary items
  • $0Extraordinary gains - net
  • -$501Net income attributable to bank
  • $0Net charge-offs
  • -$501Cash dividends
  • $512Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 1.31%Cost of funding earning assets
  • 4.27%Net interest margin
  • 1.00%Noninterest income to earning assets
  • 4.21%Noninterest expense to earning assets
  • -0.56%Net operating income to assets
  • -0.56%Return on assets (ROA)
  • -1.00%Pretax return on assets
  • -6.06%Return on equity (ROE)
  • -6.06%Retained earnings to average equity (YTD only)
  • 0.79%Net charge-offs to loans
  • 347.66%Credit loss provision to net charge-offs
  • 1.71%Efficiency ratio
  • 79,959Assets per employee
  • 3.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.90%Loss allowance to noncurrent loans
  • 25.31%Noncurrent assets plus other real estate owned to assets
  • 12.28%Noncurrent loans to loans
  • 15.40%Net loans and leases to deposits
  • 80.35%Net loans and leases to core deposits
  • 117.89%Equity capital to assets
  • 8.77%Core capital (leverage) ratio
  • 8.25%Tier 1 risk-based capital ratio
  • 11.67%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $90,131Average earning assets
  • $8,261Average equity
  • $83,124Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014027North Milwaukee State Bank5630 West Fond Du Lac Avenue, Milwaukee, WI 53216Febuary 12, 1971Full Service Brick and Mortar
    3480916Northridge Branch8200 West Brown Deer Road, Milwaukee, WI 53223September 02, 2008Full Service Brick and Mortar

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