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

State Bank of Reeseville - Overview

  • General
  • FDIC Certificate #: 14960
    Status: Active
    Federal Reserve ID: 159645
    Bank Holding Company (Regulatory Top Holder): Rw Bancorp., Ltd. (RSSDID: 2629834, Location: Reeseville, WI)
    Date Established: January 01, 1902
    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 #: 9371
    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: 203 South Main Street, Reeseville, WI 53579
    County: Dodge
    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
    Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
    Core Based Statistical Area (CBSA): Beaver Dam, WI (#13180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $54.7 mil
    Equity capital: $6.7 mil
    Deposits held in domestic offices: $46.3 mil
    Return on assets (ROA): 0.57% ($0.3 mil)
    Quarterly return on assets: 0.93% ($0.5 mil)
    Return on Equity (ROE): 4.50% ($0.3 mil)
    Quarterly return on equity: 7.27% ($0.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.55% ($300.6 mil)
    Quarterly Pretax return on assets: 0.77% ($420.9 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
  • 14Total employees (full-time equivalent)
  • $54,656Total assets
  • $8,394Cash and due from depository institutions
  • $5,382Interest-bearing balances
  • $14,907Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $29,576Net loans & leases
  • $303Loan loss allowance
  • $0Trading account assets
  • $570Bank premises and fixed assets
  • $535Other real estate owned
  • $0Goodwill and other intangibles
  • $54,656Life insurance assets
  • $674All other assets
  • $47,937Total liabilities and capital
  • $46,348Total liabilities
  • $36,564Total deposits
  • $46,348Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 1382.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $207Subordinated debt
  • $6,719All other liabilities
  • $6,719Total equity capital
  • $6,719Total bank equity capital
  • $0Perpetual preferred stock
  • $240Common stock
  • $2,760Surplus
  • $3,719Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $391Income earned, not collected on loans
  • $0Earning assets
  • $309Long-term assets (5+ years)
  • $49,865Average Assets, year-to-date
  • $7,917Average Assets, quarterly
  • $50,629Volatile liabilities
  • $52,265Insider loans
  • $32,700FHLB advances
  • $51,065Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,517Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,983Restructured Loans and leases
  • $666Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,130Total interest income
  • $259Total interest expense
  • $1,871Net interest income
  • $209Provision for loan and lease losses
  • $125Total noninterest income
  • $0Fiduciary activities
  • $75Service charges on deposit accounts
  • $0Trading account gains & fees
  • $50Additional noninterest income
  • $1,564Total noninterest expense
  • $851Salaries and employee benefits
  • $255Premises and equipment expense
  • $458Additional noninterest expense
  • $223Pre-tax net operating income
  • $55Securities gains (losses)
  • -$13Applicable income taxes
  • $291Income before extraordinary items
  • $0Extraordinary gains - net
  • $291Net income attributable to bank
  • $0Net charge-offs
  • $291Cash dividends
  • $124Sale, conversion, retirement of capital stock, net
  • $47Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.57%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 4.50%Return on equity (ROE)
  • 3.77%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 168.55%Credit loss provision to net charge-offs
  • 3.48%Efficiency ratio
  • 78,357Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.15%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 77.49%Noncurrent assets plus other real estate owned to assets
  • 1.69%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 63.81%Net loans and leases to core deposits
  • 76.45%Equity capital to assets
  • 12.29%Core capital (leverage) ratio
  • 12.76%Tier 1 risk-based capital ratio
  • 19.93%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $50,629Average earning assets
  • $6,474Average equity
  • $47,269Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09371State Bank Of Reeseville203 South Main Street, Reeseville, WI 53579January 01, 1902Full Service Brick and Mortar
    2232576Watertown Branch1312 West Main Street, Watertown, WI 53098September 08, 1994Full Service Brick and Mortar

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