TSB Bank in Lomira, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • TSB Bank in Lomira, Wisconsin (WI)
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TSB Bank - Overview

  • General
  • FDIC Certificate #: 17208
    Status: Active
    Federal Reserve ID: 186548
    Date Established: April 01, 1905
    WWW: http://www.tsbbanking.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14249
    FDIC's unique #: 11237
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: April 20, 1953
    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: 695 East Avenue, Lomira, WI 53048
    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: $92.1 mil
    Equity capital: $7.8 mil
    Deposits held in domestic offices: $80.4 mil
    Return on assets (ROA): 0.69% ($0.6 mil)
    Quarterly return on assets: 0.72% ($0.7 mil)
    Return on Equity (ROE): 8.29% ($0.7 mil)
    Quarterly return on equity: 8.35% ($0.7 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.87% ($801.6 mil)
    Quarterly Pretax return on assets: 0.99% ($912.2 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
  • 24Total employees (full-time equivalent)
  • $92,141Total assets
  • $7,222Cash and due from depository institutions
  • $510Interest-bearing balances
  • $16,363Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,233Net loans & leases
  • $789Loan loss allowance
  • $0Trading account assets
  • $2,499Bank premises and fixed assets
  • $482Other real estate owned
  • $0Goodwill and other intangibles
  • $92,141Life insurance assets
  • $1,342All other assets
  • $84,300Total liabilities and capital
  • $80,355Total liabilities
  • $68,731Total deposits
  • $80,355Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $445Subordinated debt
  • $7,841All other liabilities
  • $7,841Total equity capital
  • $7,841Total bank equity capital
  • $0Perpetual preferred stock
  • $45Common stock
  • $1,580Surplus
  • $6,216Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $642Income earned, not collected on loans
  • $0Earning assets
  • $470Long-term assets (5+ years)
  • $81,106Average Assets, year-to-date
  • $15,394Average Assets, quarterly
  • $88,226Volatile liabilities
  • $89,324Insider loans
  • $69,720FHLB advances
  • $87,295Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,543Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,253Restructured Loans and leases
  • $2,331Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,314Total interest income
  • $1,016Total interest expense
  • $3,298Net interest income
  • $280Provision for loan and lease losses
  • $434Total noninterest income
  • $0Fiduciary activities
  • $128Service charges on deposit accounts
  • $0Trading account gains & fees
  • $306Additional noninterest income
  • $2,807Total noninterest expense
  • $1,060Salaries and employee benefits
  • $566Premises and equipment expense
  • $1,181Additional noninterest expense
  • $645Pre-tax net operating income
  • $121Securities gains (losses)
  • $161Applicable income taxes
  • $605Income before extraordinary items
  • $0Extraordinary gains - net
  • $605Net income attributable to bank
  • $0Net charge-offs
  • $605Cash dividends
  • $482Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.39%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.12%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.51%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.87%Pretax return on assets
  • 8.29%Return on equity (ROE)
  • 8.29%Retained earnings to average equity (YTD only)
  • 0.74%Net charge-offs to loans
  • 58.09%Credit loss provision to net charge-offs
  • 1.92%Efficiency ratio
  • 75,214Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 122.90%Noncurrent assets plus other real estate owned to assets
  • 1.22%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 79.94%Net loans and leases to core deposits
  • 80.54%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 10.82%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $88,226Average earning assets
  • $7,302Average equity
  • $80,004Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011237Tsb Bank695 East Avenue, Lomira, WI 53048April 01, 1905Full Service Brick and Mortar
    1241033Theresa Branch113 N. Milwaukee St., Theresa, WI 53091June 10, 1996Full Service Brick and Mortar
    2357182Mayville Branch935 Horicon St., Mayville, WI 53050July 06, 1999Full Service Brick and Mortar

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