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


State Bank - Overview

  • General
  • FDIC Certificate #: 15186
    Status: Active
    Federal Reserve ID: 926342
    Bank Holding Company (Regulatory Top Holder): Gresham Bancshares, Inc. (RSSDID: 1208830, Location: Gresham, WI)
    Date Established: October 23, 1908
    WWW: http://www.statebank.biz
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 9550
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 801 S. Main St, Gresham, WI 54128
    County: Shawano
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $23.1 mil
    Equity capital: $6.0 mil
    Deposits held in domestic offices: $17.0 mil
    Return on assets (ROA): 1.16% ($0.3 mil)
    Quarterly return on assets: 0.90% ($0.2 mil)
    Return on Equity (ROE): 4.40% ($0.3 mil)
    Quarterly return on equity: 3.45% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.17% ($270.6 mil)
    Quarterly Pretax return on assets: 0.90% ($208.2 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
  • 6Total employees (full-time equivalent)
  • $23,130Total assets
  • $11,983Cash and due from depository institutions
  • $7,609Interest-bearing balances
  • $1,134Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,808Net loans & leases
  • $125Loan loss allowance
  • $0Trading account assets
  • $60Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,130Life insurance assets
  • $145All other assets
  • $17,114Total liabilities and capital
  • $17,042Total liabilities
  • $13,062Total deposits
  • $17,042Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $72Subordinated debt
  • $6,016All other liabilities
  • $6,016Total equity capital
  • $6,016Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $1,440Surplus
  • $4,516Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $62Long-term assets (5+ years)
  • $18,551Average Assets, year-to-date
  • $998Average Assets, quarterly
  • $23,082Volatile liabilities
  • $23,045Insider loans
  • $10,190FHLB advances
  • $22,337Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,997Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13Restructured Loans and leases
  • $6Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $723Total interest income
  • $51Total interest expense
  • $672Net interest income
  • $0Provision for loan and lease losses
  • $91Total noninterest income
  • $0Fiduciary activities
  • $39Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52Additional noninterest income
  • $493Total noninterest expense
  • $329Salaries and employee benefits
  • $43Premises and equipment expense
  • $121Additional noninterest expense
  • $270Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $268Income before extraordinary items
  • $0Extraordinary gains - net
  • $268Net income attributable to bank
  • $0Net charge-offs
  • $268Cash dividends
  • $59Sale, conversion, retirement of capital stock, net
  • $325Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.92%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.67%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 4.40%Return on equity (ROE)
  • -0.94%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 4.58%Efficiency ratio
  • 64,613Assets per employee
  • 3.86%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 121.27%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 57.55%Net loans and leases to core deposits
  • 58.58%Equity capital to assets
  • 26.01%Core capital (leverage) ratio
  • 26.85%Tier 1 risk-based capital ratio
  • 58.85%Total risk-based capital ratio
  • Memoranda
  • $60Average assets
  • $23,082Average earning assets
  • $6,094Average equity
  • $18,455Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09550State Bank801 S. Main St, Gresham, WI 54128October 23, 1908Full Service Brick and Mortar

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