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

This bank is inactive as of May 08, 2010

  • The Black Earth State Bank in Black Earth, Wisconsin (WI)
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The Black Earth State Bank - Overview

  • General
  • FDIC Certificate #: 12787
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Bank of Cross Plains (#15091)
    Federal Reserve ID: 33549
    Date Established: January 01, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 8100
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 08, 2010
    Last Structure Change Process Date: May 21, 2010
    Last Data Update: May 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1030 Mills Street, Black Earth, WI 53515
    County: Dane
    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
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • Financial Summary
  • Total assets: $44.4 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, 2009)

  • Dollar figures in thousands
  • 11Total employees (full-time equivalent)
  • $45,574Total assets
  • $3,038Cash and due from depository institutions
  • $2,819Interest-bearing balances
  • $8,116Securities
  • $4,562Federal funds sold & reverse repurchase agreements
  • $27,896Net loans & leases
  • $792Loan loss allowance
  • $0Trading account assets
  • $423Bank premises and fixed assets
  • $409Other real estate owned
  • $0Goodwill and other intangibles
  • $125Life insurance assets
  • $1,130All other assets
  • $45,574Total liabilities and capital
  • $42,336Total liabilities
  • $42,204Total deposits
  • $35,877Interest-bearing deposits
  • $42,204Deposits held in domestic offices
  • 93.57%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $132All other liabilities
  • $3,238Total equity capital
  • $3,238Total bank equity capital
  • $3,238Perpetual preferred stock
  • $0Common stock
  • $56Surplus
  • $1,944Undivided profits
  • Memoranda
  • $1,238Noncurrent loans and leases
  • $2,123Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $2,702Earning assets
  • $0Long-term assets (5+ years)
  • $185Average Assets, year-to-date
  • $43,393Average Assets, quarterly
  • $4,792Volatile liabilities
  • $45,252Insider loans
  • $45,320FHLB advances
  • $4,926Loans and leases held for sale
  • $200Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,123Total unused commitments
  • $0Restructured Loans and leases
  • $352Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $2,131Total interest income
  • $776Total interest expense
  • $1,355Net interest income
  • $1,073Provision for loan and lease losses
  • $188Total noninterest income
  • $0Fiduciary activities
  • $116Service charges on deposit accounts
  • $0Trading account gains & fees
  • $72Additional noninterest income
  • $1,564Total noninterest expense
  • $834Salaries and employee benefits
  • $116Premises and equipment expense
  • $614Additional noninterest expense
  • -$1,094Pre-tax net operating income
  • $0Securities gains (losses)
  • -$354Applicable income taxes
  • -$740Income before extraordinary items
  • $0Extraordinary gains - net
  • -$740Net income attributable to bank
  • $0Net charge-offs
  • -$740Cash dividends
  • $857Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.01%Yield on earning assets
  • 1.83%Cost of funding earning assets
  • 3.19%Net interest margin
  • 0.44%Noninterest income to earning assets
  • 3.68%Noninterest expense to earning assets
  • -1.64%Net operating income to assets
  • -1.64%Return on assets (ROA)
  • -2.42%Pretax return on assets
  • -20.31%Return on equity (ROE)
  • -20.31%Retained earnings to average equity (YTD only)
  • 2.89%Net charge-offs to loans
  • 125.20%Credit loss provision to net charge-offs
  • -0.02%Efficiency ratio
  • 101,361Assets per employee
  • 4.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.76%Loss allowance to noncurrent loans
  • 29.31%Noncurrent assets plus other real estate owned to assets
  • 6.83%Noncurrent loans to loans
  • 9.42%Net loans and leases to deposits
  • 66.10%Net loans and leases to core deposits
  • 74.83%Equity capital to assets
  • 7.10%Core capital (leverage) ratio
  • 7.13%Tier 1 risk-based capital ratio
  • 11.73%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $45,252Average earning assets
  • $3,643Average equity
  • $42,495Average loans

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