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

State Bank of Newburg - Overview

  • General
  • FDIC Certificate #: 9529
    Status: Active
    Federal Reserve ID: 228345
    Bank Holding Company (Regulatory Top Holder): Sbn Community Bancorp, Inc. (RSSDID: 3089314, Location: Newburg, WI)
    Date Established: January 01, 1911
    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 #: 6125
    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: June 07, 2010
    Last Data Update: June 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 Congress Dr Hwy 33, Newburg, WI 53060
    County: Washington
    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): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $162.2 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $139.2 mil
    Return on assets (ROA): 1.55% ($2.5 mil)
    Quarterly return on assets: 0.96% ($1.6 mil)
    Return on Equity (ROE): 11.31% ($2.5 mil)
    Quarterly return on equity: 6.94% ($1.5 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 2.43% ($3,941.3 mil)
    Quarterly Pretax return on assets: 1.52% ($2,465.3 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
  • 18Total employees (full-time equivalent)
  • $162,194Total assets
  • $5,003Cash and due from depository institutions
  • $2,151Interest-bearing balances
  • $18,950Securities
  • $8,489Federal funds sold & reverse repurchase agreements
  • $124,354Net loans & leases
  • $2,500Loan loss allowance
  • $0Trading account assets
  • $1,037Bank premises and fixed assets
  • $112Other real estate owned
  • $0Goodwill and other intangibles
  • $162,194Life insurance assets
  • $4,249All other assets
  • $140,247Total liabilities and capital
  • $139,223Total liabilities
  • $128,791Total deposits
  • $139,223Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,024Subordinated debt
  • $21,947All other liabilities
  • $21,947Total equity capital
  • $21,947Total bank equity capital
  • $0Perpetual preferred stock
  • $72Common stock
  • $15,328Surplus
  • $6,547Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $63Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,286Income earned, not collected on loans
  • $221Earning assets
  • $535Long-term assets (5+ years)
  • $153,944Average Assets, year-to-date
  • $12,572Average Assets, quarterly
  • $154,624Volatile liabilities
  • $158,782Insider loans
  • $124,213FHLB advances
  • $155,056Loans and leases held for sale
  • $837Unused loan commitments
  • $837Tier 1 (core) risk-based capital
  • $21,947Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,221Restructured Loans and leases
  • $475Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,080Total interest income
  • $1,769Total interest expense
  • $6,311Net interest income
  • $607Provision for loan and lease losses
  • $219Total noninterest income
  • $0Fiduciary activities
  • $99Service charges on deposit accounts
  • $0Trading account gains & fees
  • $120Additional noninterest income
  • $2,164Total noninterest expense
  • $1,275Salaries and employee benefits
  • $306Premises and equipment expense
  • $583Additional noninterest expense
  • $3,759Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,366Applicable income taxes
  • $2,393Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,393Net income attributable to bank
  • $0Net charge-offs
  • $2,393Cash dividends
  • $307Sale, conversion, retirement of capital stock, net
  • $393Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 4.27%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 1.46%Noninterest expense to earning assets
  • 1.55%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 2.43%Pretax return on assets
  • 11.31%Return on equity (ROE)
  • 9.45%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 197.72%Credit loss provision to net charge-offs
  • 14.22%Efficiency ratio
  • 33,139Assets per employee
  • 9.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.42%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 47.29%Noncurrent assets plus other real estate owned to assets
  • 3.33%Noncurrent loans to loans
  • 4.17%Net loans and leases to deposits
  • 89.32%Net loans and leases to core deposits
  • 93.10%Equity capital to assets
  • 13.53%Core capital (leverage) ratio
  • 14.15%Tier 1 risk-based capital ratio
  • 17.67%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $154,624Average earning assets
  • $21,156Average equity
  • $147,766Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06125State Bank Of Newburg300 Congress Dr Hwy 33, Newburg, WI 53060January 01, 1911Full Service Brick and Mortar

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