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


State Bank of Chilton - Overview

  • General
  • FDIC Certificate #: 12331
    Status: Active
    Federal Reserve ID: 120542
    Bank Holding Company (Regulatory Top Holder): Calumet Bancorporation, Inc. (RSSDID: 1133820, Location: Chilton, WI)
    Date Established: April 19, 1891
    WWW: http://www.statebankofchilton.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11432
    FDIC's unique #: 7842
    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: Commercial Lending 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: 26 East Main Street, Chilton, WI 53014
    County: Calumet
    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
    Metropolitan Statistical Area (MSA): Appleton-Oshkosh-Neenah, WI (#460)
    Combined Statistical Area (CSA): Appleton-Oshkosh-Neenah, WI (#118)
    Core Based Statistical Area (CBSA): Appleton, WI (#11540)
    CBSA Metro Statistical Area: Appleton, WI (#11540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.2 mil
    Equity capital: $20.7 mil
    Deposits held in domestic offices: $130.9 mil
    Return on assets (ROA): 0.55% ($0.8 mil)
    Quarterly return on assets: 0.61% ($0.9 mil)
    Return on Equity (ROE): 4.45% ($0.9 mil)
    Quarterly return on equity: 4.66% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.55% ($836.9 mil)
    Quarterly Pretax return on assets: 0.61% ($928.2 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
  • 34Total employees (full-time equivalent)
  • $152,162Total assets
  • $14,992Cash and due from depository institutions
  • $9,958Interest-bearing balances
  • $10,236Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $120,493Net loans & leases
  • $2,393Loan loss allowance
  • $0Trading account assets
  • $1,038Bank premises and fixed assets
  • $3,594Other real estate owned
  • $0Goodwill and other intangibles
  • $152,162Life insurance assets
  • $1,809All other assets
  • $131,454Total liabilities and capital
  • $130,918Total liabilities
  • $101,335Total deposits
  • $130,918Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $536Subordinated debt
  • $20,708All other liabilities
  • $20,708Total equity capital
  • $20,708Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $8,100Surplus
  • $12,208Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,145Income earned, not collected on loans
  • $283Earning assets
  • $432Long-term assets (5+ years)
  • $140,687Average Assets, year-to-date
  • $6,342Average Assets, quarterly
  • $163,277Volatile liabilities
  • $156,818Insider loans
  • $118,917FHLB advances
  • $156,949Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $20,621Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,433Restructured Loans and leases
  • $3,089Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,537Total interest income
  • $1,515Total interest expense
  • $6,022Net interest income
  • $938Provision for loan and lease losses
  • $73Total noninterest income
  • $106Fiduciary activities
  • $159Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$192Additional noninterest income
  • $4,259Total noninterest expense
  • $1,882Salaries and employee benefits
  • $550Premises and equipment expense
  • $1,827Additional noninterest expense
  • $898Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $898Income before extraordinary items
  • $0Extraordinary gains - net
  • $898Net income attributable to bank
  • $0Net charge-offs
  • $898Cash dividends
  • $1,593Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.92%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 4.45%Return on equity (ROE)
  • 4.45%Retained earnings to average equity (YTD only)
  • 1.31%Net charge-offs to loans
  • 58.88%Credit loss provision to net charge-offs
  • 1.15%Efficiency ratio
  • 69,877Assets per employee
  • 4.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 111.56%Noncurrent assets plus other real estate owned to assets
  • 3.77%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 92.04%Net loans and leases to core deposits
  • 97.16%Equity capital to assets
  • 13.61%Core capital (leverage) ratio
  • 13.14%Tier 1 risk-based capital ratio
  • 17.34%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $163,277Average earning assets
  • $20,167Average equity
  • $153,483Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $16,204Managed Assets
  • 1Number of Accounts
  • $5,436Personal trust and agency accounts
  • $5,436Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 53Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,768Other retirement accounts
  • $0Corporate trust and agency accounts
  • $4,446Other fiduciary accounts
  • $6,322Fiduciary accounts held in foreign offices

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07842State Bank Of Chilton26 East Main Street, Chilton, WI 53014April 19, 1891Full Service Brick and Mortar
    28245State Bank Of Chilton Stockbridge Br401 West Lake Street, Stockbridge, WI 53088August 19, 1905Full Service Brick and Mortar
    3437248Milwaukee Branch7155 North 76th Street, Milwaukee, WI 53223Febuary 14, 2005Full Service Brick and Mortar

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