State Bank of Newburg in Newburg, Wisconsin (WI)



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State Bank of Newburg
GeneralFDIC 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
WWW: http://www.newburgbank.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Change in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$162,194
Cash and due from depository institutions$5,003
Interest-bearing balances$2,151
Securities$18,950
Federal funds sold & reverse repurchase agreements$8,489
Net loans & leases$124,354
Loan loss allowance $2,500
Trading account assets$0
Bank premises and fixed assets$1,037
Other real estate owned$112
Goodwill and other intangibles$0
All other assets$4,249
Life insurance assets$162,194
Total liabilities and capital$140,247
Total liabilities$139,223
Total deposits$128,791
Interest-bearing deposits$139,223
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,024
All other liabilities $21,947
Total equity capital$21,947
Total bank equity capital$21,947
Perpetual preferred stock$0
Common stock$72
Surplus$15,328
Undivided profits $6,547
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $63
Income earned, not collected on loans $5,286
Earning assets $221
Long-term assets (5+ years) $535
Average Assets, year-to-date $153,944
Average Assets, quarterly $12,572
Volatile liabilities $154,624
Insider loans $158,782
FHLB advances $124,213
Loans and leases held for sale $155,056
Unused loan commitments $837
Tier 1 (core) risk-based capital $837
Tier 2 risk-based capital $21,947
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,221
Derivatives$475
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,080
Total interest expense $1,769
Net interest income $6,311
Provision for loan and lease losses $607
Total noninterest income $219
Fiduciary activities $0
Service charges on deposit accounts $99
Trading account gains & fees $0
Additional noninterest income $120
Total noninterest expense $2,164
Salaries and employee benefits $1,275
Premises and equipment expense $306
Additional noninterest expense $583
Pre-tax net operating income $3,759
Securities gains (losses) $0
Applicable income taxes $1,366
Income before extraordinary items $2,393
Extraordinary gains - net $0
Net income attributable to bank $2,393
Net charge-offs $0
Cash dividends $2,393
Sale, conversion, retirement of capital stock, net $307
Net operating income $393
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.47%
Cost of funding earning assets 1.20%
Net interest margin 4.27%
Noninterest income to earning assets 0.15%
Noninterest expense to earning assets 1.46%
Net operating income to assets 1.55%
Return on assets (ROA) 1.55%
Pretax return on assets 2.43%
Return on equity (ROE) 11.31%
Retained earnings to average equity (YTD only) 9.45%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 197.72%
Efficiency ratio14.22%
Assets per employee$33,139
Cash dividends to net income (YTD only)9.01%
Condition Ratios (%)
Loss allowance to loans 16.42%
Loss allowance to noncurrent loans 1.97%
Noncurrent assets plus other real estate owned to assets 47.29%
Noncurrent loans to loans 3.33%
Net loans and leases to deposits4.17%
Net loans and leases to core deposits 89.32%
Equity capital to assets 93.10%
Core capital (leverage) ratio 13.53%
Tier 1 risk-based capital ratio 14.15%
Total risk-based capital ratio 17.67%
Memoranda
Average assets$19
Average earning assets$154,624
Average equity $21,156
Average loans $147,766
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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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