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


Oostburg State Bank - Overview

  • General
  • FDIC Certificate #: 10380
    Status: Active
    Federal Reserve ID: 248745
    Bank Holding Company (Regulatory Top Holder): Oostburg Bancorp, Inc. (RSSDID: 2128944, Location: Oostburg, WI)
    Date Established: March 01, 1908
    WWW: http://www.oostburgbank.com
    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 #: 13267
    FDIC's unique #: 6651
    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 01, 1934
    Last Structure Change Effective Date: Febuary 16, 2012
    Last Structure Change Process Date: March 14, 2012
    Last Data Update: March 14, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 905 Center Avenue, Oostburg, WI 53070
    County: Sheboygan
    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): Sheboygan, WI (#7620)
    Core Based Statistical Area (CBSA): Sheboygan, WI (#43100)
    CBSA Metro Statistical Area: Sheboygan, WI (#43100)
  • Financial Summary
  • Total assets: $174.6 mil
    Equity capital: $22.3 mil
    Deposits held in domestic offices: $138.1 mil
    Return on assets (ROA): 0.72% ($1.3 mil)
    Quarterly return on assets: 0.36% ($0.6 mil)
    Return on Equity (ROE): 5.65% ($1.2 mil)
    Quarterly return on equity: 2.80% ($0.6 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.89% ($1,553.8 mil)
    Quarterly Pretax return on assets: 0.28% ($488.8 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
  • 36Total employees (full-time equivalent)
  • $174,586Total assets
  • $5,489Cash and due from depository institutions
  • $1,246Interest-bearing balances
  • $29,850Securities
  • $4,732Federal funds sold & reverse repurchase agreements
  • $123,615Net loans & leases
  • $2,706Loan loss allowance
  • $0Trading account assets
  • $4,062Bank premises and fixed assets
  • $422Other real estate owned
  • $301Goodwill and other intangibles
  • $174,586Life insurance assets
  • $6,115All other assets
  • $152,326Total liabilities and capital
  • $138,101Total liabilities
  • $115,010Total deposits
  • $138,101Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,784Trading liabilities
  • $0Other borrowed funds
  • $1,441Subordinated debt
  • $22,260All other liabilities
  • $22,260Total equity capital
  • $22,260Total bank equity capital
  • $0Perpetual preferred stock
  • $199Common stock
  • $5,801Surplus
  • $16,260Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,266Income earned, not collected on loans
  • $0Earning assets
  • $767Long-term assets (5+ years)
  • $159,443Average Assets, year-to-date
  • $22,657Average Assets, quarterly
  • $170,697Volatile liabilities
  • $173,173Insider loans
  • $151,658FHLB advances
  • $171,480Loans and leases held for sale
  • $3,756Unused loan commitments
  • $3,756Tier 1 (core) risk-based capital
  • $22,029Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $43,193Restructured Loans and leases
  • $6,936Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,773Total interest income
  • $1,727Total interest expense
  • $6,046Net interest income
  • $840Provision for loan and lease losses
  • $1,094Total noninterest income
  • $0Fiduciary activities
  • $283Service charges on deposit accounts
  • $0Trading account gains & fees
  • $811Additional noninterest income
  • $4,779Total noninterest expense
  • $2,580Salaries and employee benefits
  • $505Premises and equipment expense
  • $1,694Additional noninterest expense
  • $1,521Pre-tax net operating income
  • $0Securities gains (losses)
  • $295Applicable income taxes
  • $1,226Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,226Net income attributable to bank
  • $0Net charge-offs
  • $1,226Cash dividends
  • $44Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.87%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 0.72%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 5.65%Return on equity (ROE)
  • 5.65%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 1909.09%Credit loss provision to net charge-offs
  • 53.66%Efficiency ratio
  • 66,933Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 119.42%Noncurrent assets plus other real estate owned to assets
  • 1.54%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 89.51%Net loans and leases to core deposits
  • 95.89%Equity capital to assets
  • 12.75%Core capital (leverage) ratio
  • 12.85%Tier 1 risk-based capital ratio
  • 14.53%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $170,697Average earning assets
  • $21,711Average equity
  • $156,356Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06651Oostburg State Bank905 Center Avenue, Oostburg, WI 53070March 01, 1908Full Service Brick and Mortar
    1510993Cedar Grove Branch10 Phoenix Ave., Cedar Grove, WI 53013July 21, 2010Full Service Brick and Mortar

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