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

  • Stratford State Bank in Stratford, Wisconsin (WI)
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Stratford State Bank - Overview

  • General
  • FDIC Certificate #: 15174
    Status: Active
    Federal Reserve ID: 957047
    Bank Holding Company (Regulatory Top Holder): Stratford Bancshares, Inc. (RSSDID: 1138713, Location: Stratford, WI)
    Date Established: December 11, 1908
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 14163
    FDIC's unique #: 9539
    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: 307 Weber Avenue, Stratford, WI 54484
    County: Marathon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Wausau, WI (#8940)
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Wausau, WI (#48140)
    CBSA Metro Statistical Area: Wausau, WI (#48140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $104.2 mil
    Equity capital: $11.8 mil
    Deposits held in domestic offices: $84.3 mil
    Return on assets (ROA): 0.65% ($0.7 mil)
    Quarterly return on assets: 0.68% ($0.7 mil)
    Return on Equity (ROE): 5.93% ($0.7 mil)
    Quarterly return on equity: 6.00% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.54% ($562.7 mil)
    Quarterly Pretax return on assets: 0.23% ($239.7 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
  • 16Total employees (full-time equivalent)
  • $104,204Total assets
  • $2,051Cash and due from depository institutions
  • $131Interest-bearing balances
  • $38,607Securities
  • $6,504Federal funds sold & reverse repurchase agreements
  • $48,613Net loans & leases
  • $803Loan loss allowance
  • $0Trading account assets
  • $211Bank premises and fixed assets
  • $1,271Other real estate owned
  • $0Goodwill and other intangibles
  • $104,204Life insurance assets
  • $6,947All other assets
  • $92,441Total liabilities and capital
  • $84,328Total liabilities
  • $78,532Total deposits
  • $84,328Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,536Trading liabilities
  • $0Other borrowed funds
  • $1,577Subordinated debt
  • $11,763All other liabilities
  • $11,763Total equity capital
  • $11,763Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,000Surplus
  • $8,563Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $186Income earned, not collected on loans
  • $0Earning assets
  • $364Long-term assets (5+ years)
  • $93,855Average Assets, year-to-date
  • $21,877Average Assets, quarterly
  • $103,362Volatile liabilities
  • $103,631Insider loans
  • $64,723FHLB advances
  • $101,041Loans and leases held for sale
  • $2,614Unused loan commitments
  • $2,614Tier 1 (core) risk-based capital
  • $9,751Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,724Restructured Loans and leases
  • $2,977Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,095Total interest income
  • $1,005Total interest expense
  • $3,090Net interest income
  • $238Provision for loan and lease losses
  • $389Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • $321Additional noninterest income
  • $2,681Total noninterest expense
  • $1,062Salaries and employee benefits
  • $184Premises and equipment expense
  • $1,435Additional noninterest expense
  • $560Pre-tax net operating income
  • $0Securities gains (losses)
  • -$116Applicable income taxes
  • $676Income before extraordinary items
  • $0Extraordinary gains - net
  • $676Net income attributable to bank
  • $0Net charge-offs
  • $676Cash dividends
  • $259Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 5.93%Return on equity (ROE)
  • 5.93%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 91.89%Credit loss provision to net charge-offs
  • 3.08%Efficiency ratio
  • 77,062Assets per employee
  • 6.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 431.72%Noncurrent assets plus other real estate owned to assets
  • 1.40%Noncurrent loans to loans
  • 0.38%Net loans and leases to deposits
  • 57.65%Net loans and leases to core deposits
  • 76.15%Equity capital to assets
  • 11.29%Core capital (leverage) ratio
  • 9.65%Tier 1 risk-based capital ratio
  • 15.07%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $103,362Average earning assets
  • $11,397Average equity
  • $92,864Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09539Stratford State Bank307 Weber Avenue, Stratford, WI 54484December 11, 1908Full Service Brick and Mortar

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