State Financial Bank-Waterford in Waterford, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 09, 2000

  • State Financial Bank-Waterford in Waterford, Wisconsin (WI)
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State Financial Bank-Waterford - Overview

  • General
  • FDIC Certificate #: 13047
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Financial Bank, National Association (#3753)
    Federal Reserve ID: 194646
    Date Established: January 01, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 8247
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 09, 2000
    Last Structure Change Process Date: December 13, 2000
    Last Data Update: December 13, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 217 North Milwaukee Street, Waterford, WI 53185
    County: Racine
    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): Racine, WI (#6600)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Racine, WI (#39540)
    CBSA Metro Statistical Area: Racine, WI (#39540)
  • Financial Summary
  • Total assets: $68.5 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 21Total employees (full-time equivalent)
  • $58,225Total assets
  • $3,536Cash and due from depository institutions
  • $0Interest-bearing balances
  • $9,861Securities
  • $296Federal funds sold & reverse repurchase agreements
  • $40,885Net loans & leases
  • $620Loan loss allowance
  • $0Trading account assets
  • $1,933Bank premises and fixed assets
  • $97Other real estate owned
  • $1,177Goodwill and other intangibles
  • $0Life insurance assets
  • $440All other assets
  • $58,225Total liabilities and capital
  • $53,152Total liabilities
  • $51,422Total deposits
  • $42,972Interest-bearing deposits
  • $51,422Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,485Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $245All other liabilities
  • $5,073Total equity capital
  • $5,073Total bank equity capital
  • $5,073Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $4,577Undivided profits
  • Memoranda
  • $396Noncurrent loans and leases
  • $6,971Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $10Earning assets
  • $0Long-term assets (5+ years)
  • $211Average Assets, year-to-date
  • $51,042Average Assets, quarterly
  • $4,719Volatile liabilities
  • $56,733Insider loans
  • $57,174FHLB advances
  • $5,501Loans and leases held for sale
  • $38Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,971Total unused commitments
  • $0Restructured Loans and leases
  • $523Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $3,863Total interest income
  • $1,748Total interest expense
  • $2,115Net interest income
  • $30Provision for loan and lease losses
  • $324Total noninterest income
  • $0Fiduciary activities
  • $185Service charges on deposit accounts
  • $0Trading account gains & fees
  • $139Additional noninterest income
  • $1,771Total noninterest expense
  • $686Salaries and employee benefits
  • $367Premises and equipment expense
  • $718Additional noninterest expense
  • $638Pre-tax net operating income
  • $0Securities gains (losses)
  • $184Applicable income taxes
  • $454Income before extraordinary items
  • $0Extraordinary gains - net
  • $454Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$2Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.75%Yield on earning assets
  • 3.51%Cost of funding earning assets
  • 4.24%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 8.71%Return on equity (ROE)
  • -0.88%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -1500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,610Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 110.13%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 6200.00%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.02%Net loans and leases to deposits
  • 79.51%Net loans and leases to core deposits
  • 86.24%Equity capital to assets
  • 8.71%Core capital (leverage) ratio
  • 7.05%Tier 1 risk-based capital ratio
  • 9.49%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $56,733Average earning assets
  • $5,212Average equity
  • $49,837Average loans

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