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

The Benton State Bank - Overview

  • General
  • FDIC Certificate #: 14316
    Status: Active
    Federal Reserve ID: 208347
    Bank Holding Company (Regulatory Top Holder): Bsb Community Bancorporation, Inc. (RSSDID: 2983246, Location: Benton, WI)
    Date Established: December 05, 1894
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8943
    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: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: May 05, 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: 42 West Main Street, Benton, WI 53803
    County: Lafayette
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $53.2 mil
    Equity capital: $4.3 mil
    Deposits held in domestic offices: $45.9 mil
    Return on assets (ROA): 0.71% ($0.4 mil)
    Quarterly return on assets: 1.25% ($0.7 mil)
    Return on Equity (ROE): 8.67% ($0.3 mil)
    Quarterly return on equity: 15.35% ($0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.71% ($377.6 mil)
    Quarterly Pretax return on assets: 1.25% ($664.8 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
  • 25Total employees (full-time equivalent)
  • $53,183Total assets
  • $1,424Cash and due from depository institutions
  • $194Interest-bearing balances
  • $3,254Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,848Net loans & leases
  • $368Loan loss allowance
  • $0Trading account assets
  • $1,425Bank premises and fixed assets
  • $980Other real estate owned
  • $0Goodwill and other intangibles
  • $53,183Life insurance assets
  • $1,252All other assets
  • $48,890Total liabilities and capital
  • $45,916Total liabilities
  • $39,228Total deposits
  • $45,916Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 719.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,116Trading liabilities
  • $0Other borrowed funds
  • $139Subordinated debt
  • $4,293All other liabilities
  • $4,293Total equity capital
  • $4,293Total bank equity capital
  • $0Perpetual preferred stock
  • $660Common stock
  • $720Surplus
  • $2,913Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $477Income earned, not collected on loans
  • $0Earning assets
  • $412Long-term assets (5+ years)
  • $48,296Average Assets, year-to-date
  • $12,903Average Assets, quarterly
  • $51,025Volatile liabilities
  • $52,149Insider loans
  • $40,992FHLB advances
  • $52,587Loans and leases held for sale
  • $179Unused loan commitments
  • $179Tier 1 (core) risk-based capital
  • $4,311Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,405Restructured Loans and leases
  • $735Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,082Total interest income
  • $870Total interest expense
  • $2,212Net interest income
  • $130Provision for loan and lease losses
  • $269Total noninterest income
  • $0Fiduciary activities
  • $131Service charges on deposit accounts
  • $0Trading account gains & fees
  • $138Additional noninterest income
  • $1,987Total noninterest expense
  • $1,095Salaries and employee benefits
  • $315Premises and equipment expense
  • $577Additional noninterest expense
  • $364Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $364Income before extraordinary items
  • $0Extraordinary gains - net
  • $364Net income attributable to bank
  • $0Net charge-offs
  • $364Cash dividends
  • -$16Sale, conversion, retirement of capital stock, net
  • $230Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.71%Yield on earning assets
  • 1.89%Cost of funding earning assets
  • 4.81%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 4.32%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 8.67%Return on equity (ROE)
  • 3.19%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • -812.50%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,089Assets per employee
  • 2.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.19%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 77.15%Noncurrent assets plus other real estate owned to assets
  • 2.74%Noncurrent loans to loans
  • 1.05%Net loans and leases to deposits
  • 97.67%Net loans and leases to core deposits
  • 121.26%Equity capital to assets
  • 8.07%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 10.52%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $51,025Average earning assets
  • $4,199Average equity
  • $45,953Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08943The Benton State Bank42 West Main Street, Benton, WI 53803December 05, 1894Full Service Brick and Mortar
    1334292Shullsburg Branch195 Highway 11, Shullsburg, WI 53586June 12, 1997Full Service Brick and Mortar
    2437946Potosi Branch338 Highway 61 South, Potosi, WI 53820January 10, 2005Full Service Brick and Mortar

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