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

  • State Bank of Cazenovia in Cazenovia, Wisconsin (WI)
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State Bank of Cazenovia - Overview

  • General
  • FDIC Certificate #: 15123
    Status: Active
    Federal Reserve ID: 459448
    Date Established: November 21, 1906
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9495
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    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: 110 E Main St, Cazenovia, WI 53924
    County: Richland
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $34.8 mil
    Equity capital: $5.8 mil
    Deposits held in domestic offices: $28.9 mil
    Return on assets (ROA): 0.38% ($0.1 mil)
    Quarterly return on assets: 0.19% ($0.1 mil)
    Return on Equity (ROE): 2.22% ($0.1 mil)
    Quarterly return on equity: 1.09% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.40% ($139.1 mil)
    Quarterly Pretax return on assets: -0.20% (-$69.6 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
  • 12Total employees (full-time equivalent)
  • $34,780Total assets
  • $5,061Cash and due from depository institutions
  • $2,712Interest-bearing balances
  • $5,664Securities
  • $3,646Federal funds sold & reverse repurchase agreements
  • $19,772Net loans & leases
  • $420Loan loss allowance
  • $0Trading account assets
  • $349Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $34,780Life insurance assets
  • $288All other assets
  • $28,936Total liabilities and capital
  • $28,870Total liabilities
  • $23,669Total deposits
  • $28,870Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $66Subordinated debt
  • $5,844All other liabilities
  • $5,844Total equity capital
  • $5,844Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $3,260Surplus
  • $2,344Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $407Income earned, not collected on loans
  • $0Earning assets
  • $133Long-term assets (5+ years)
  • $31,794Average Assets, year-to-date
  • $1,127Average Assets, quarterly
  • $34,246Volatile liabilities
  • $34,307Insider loans
  • $18,874FHLB advances
  • $34,243Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,844Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,087Restructured Loans and leases
  • $833Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,356Total interest income
  • $171Total interest expense
  • $1,185Net interest income
  • $16Provision for loan and lease losses
  • $77Total noninterest income
  • $0Fiduciary activities
  • $66Service charges on deposit accounts
  • $0Trading account gains & fees
  • $11Additional noninterest income
  • $1,109Total noninterest expense
  • $650Salaries and employee benefits
  • $140Premises and equipment expense
  • $319Additional noninterest expense
  • $137Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $129Income before extraordinary items
  • $0Extraordinary gains - net
  • $129Net income attributable to bank
  • $0Net charge-offs
  • $129Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $19Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.25%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 2.22%Return on equity (ROE)
  • 1.90%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 800.00%Credit loss provision to net charge-offs
  • 76.50%Efficiency ratio
  • 87,876Assets per employee
  • 2.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.73%Loss allowance to loans
  • 2.08%Loss allowance to noncurrent loans
  • 103.19%Noncurrent assets plus other real estate owned to assets
  • 1.17%Noncurrent loans to loans
  • 2.02%Net loans and leases to deposits
  • 68.49%Net loans and leases to core deposits
  • 68.49%Equity capital to assets
  • 16.80%Core capital (leverage) ratio
  • 17.07%Tier 1 risk-based capital ratio
  • 30.96%Total risk-based capital ratio
  • Memoranda
  • $32Average assets
  • $34,246Average earning assets
  • $5,802Average equity
  • $31,406Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09495State Bank Of Cazenovia110 E Main St, Cazenovia, WI 53924November 21, 1906Full Service Brick and Mortar
    1233271La Valle Branch133 Main Street, La Valle, WI 53941April 16, 1934Full Service Brick and Mortar

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