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


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

  • General
  • FDIC Certificate #: 15091
    Status: Active
    Federal Reserve ID: 525549
    Bank Holding Company (Regulatory Top Holder): S.B.c.p. Bancorp, Inc. (RSSDID: 2336806, Location: Cross Plains, WI)
    Date Established: January 01, 1908
    WWW: http://www.crossplainsbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 9868
    FDIC's unique #: 9468
    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: July 05, 2011
    Last Structure Change Process Date: July 11, 2011
    Last Data Update: July 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1205 Main Street, Cross Plains, WI 53528
    County: Dane
    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
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • Financial Summary
  • Total assets: $797.7 mil
    Equity capital: $71.5 mil
    Deposits held in domestic offices: $698.4 mil
    Return on assets (ROA): 0.29% ($2.3 mil)
    Quarterly return on assets: -0.07% (-$0.6 mil)
    Return on Equity (ROE): 3.15% ($2.3 mil)
    Quarterly return on equity: -0.80% (-$0.6 mil)
    Net income: $2.3 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.34% ($2,712.2 mil)
    Quarterly Pretax return on assets: -0.25% (-$1,994.2 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
  • 196Total employees (full-time equivalent)
  • $797,692Total assets
  • $26,633Cash and due from depository institutions
  • $23,319Interest-bearing balances
  • $97,808Securities
  • $18,874Federal funds sold & reverse repurchase agreements
  • $584,814Net loans & leases
  • $14,855Loan loss allowance
  • $0Trading account assets
  • $17,796Bank premises and fixed assets
  • $9,032Other real estate owned
  • $9,696Goodwill and other intangibles
  • $797,692Life insurance assets
  • $33,039All other assets
  • $726,146Total liabilities and capital
  • $698,351Total liabilities
  • $617,433Total deposits
  • $698,351Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,473Trading liabilities
  • $0Other borrowed funds
  • $6,322Subordinated debt
  • $71,546All other liabilities
  • $71,546Total equity capital
  • $71,546Total bank equity capital
  • $0Perpetual preferred stock
  • $149Common stock
  • $39,501Surplus
  • $31,896Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,121Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44,390Income earned, not collected on loans
  • $0Earning assets
  • $2,695Long-term assets (5+ years)
  • $724,815Average Assets, year-to-date
  • $65,519Average Assets, quarterly
  • $788,536Volatile liabilities
  • $791,375Insider loans
  • $624,944FHLB advances
  • $778,720Loans and leases held for sale
  • $15,500Unused loan commitments
  • $15,500Tier 1 (core) risk-based capital
  • $64,098Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $120,035Restructured Loans and leases
  • $623Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,882Total interest income
  • $7,022Total interest expense
  • $29,860Net interest income
  • $11,287Provision for loan and lease losses
  • $6,143Total noninterest income
  • $1,020Fiduciary activities
  • $1,043Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,080Additional noninterest income
  • $21,867Total noninterest expense
  • $11,669Salaries and employee benefits
  • $2,656Premises and equipment expense
  • $7,542Additional noninterest expense
  • $2,849Pre-tax net operating income
  • -$174Securities gains (losses)
  • $411Applicable income taxes
  • $2,264Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,264Net income attributable to bank
  • $0Net charge-offs
  • $2,264Cash dividends
  • $6,567Sale, conversion, retirement of capital stock, net
  • $2,444Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 0.31%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 3.15%Return on equity (ROE)
  • -0.25%Retained earnings to average equity (YTD only)
  • 1.09%Net charge-offs to loans
  • 171.87%Credit loss provision to net charge-offs
  • 2.15%Efficiency ratio
  • 60,059Assets per employee
  • 4.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 107.95%Loss allowance to loans
  • 2.48%Loss allowance to noncurrent loans
  • 33.46%Noncurrent assets plus other real estate owned to assets
  • 6.87%Noncurrent loans to loans
  • 7.40%Net loans and leases to deposits
  • 83.74%Net loans and leases to core deposits
  • 88.00%Equity capital to assets
  • 8.97%Core capital (leverage) ratio
  • 8.23%Tier 1 risk-based capital ratio
  • 10.26%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $788,536Average earning assets
  • $71,780Average equity
  • $711,901Average 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
  • $185,166Managed Assets
  • 1Number of Accounts
  • $146,575Personal trust and agency accounts
  • $45,450Employee benefit-defined contribution accounts
  • $19,312Employee benefit-defined benefit accounts
  • $2,050Other retirement accounts
  • $30,013Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $44,768Other fiduciary accounts
  • $4,982Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1038Number of Accounts
  • $0Personal trust and agency accounts
  • $30,013Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $38,591Other retirement accounts
  • $1,075Corporate trust and agency accounts
  • $7,702Other fiduciary accounts
  • $29,141Fiduciary accounts held in foreign offices

List of branches

  • 10 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09468State Bank Of Cross Plains1205 Main Street, Cross Plains, WI 53528January 01, 1908Full Service Brick and Mortar
    1233208Mount Horeb Branch1740 Business Highway 18-151 East, Mount Horeb, WI 53572Febuary 26, 1990Full Service Brick and Mortar
    2233209Cross Plains Branch2535 Main Street, Cross Plains, WI 53528March 11, 1991Full Service Brick and Mortar
    3233210Middleton - West Branch8309 University Avenue, Middleton, WI 53562April 10, 1995Full Service Brick and Mortar
    4362068Madison Branch455 County Highway M, Madison, WI 53719August 06, 2001Full Service Brick and Mortar
    56893Bank Of Waunakee/Branch610 West Main Street, Waunakee, WI 53597April 12, 1912Full Service Brick and Mortar
    6452600Middleton - East6300 University Avenue, Suite 200, Middleton, WI 53562July 13, 2006Full Service Brick and Mortar
    79506Independent Bank Verona - Branch108 North Main Street, Verona, WI 53593Febuary 01, 1904Full Service Brick and Mortar
    8430072Oregon744 North Main Street, Oregon, WI 53575July 26, 2004Full Service Brick and Mortar
    98100Black Earth State Bank Branch1030 Mills Street, Black Earth, WI 53515January 01, 1904Full Service Brick and Mortar

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