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


The Necedah Bank - Overview

  • General
  • FDIC Certificate #: 15188
    Status: Active
    Federal Reserve ID: 786443
    Bank Holding Company (Regulatory Top Holder): American National Bank Of Beaver Dam Employee Stock Ownership Trust (RSSDID: 3009938, Location: Beaver Dam, WI)
    Date Established: July 15, 1899
    WWW: http://www.thenecedahbank.com
    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 #: 11835
    FDIC's unique #: 9552
    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: June 20, 1935
    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: 212 Main Street, Necedah, WI 54646
    County: Juneau
    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: $33.1 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $26.7 mil
    Return on assets (ROA): -0.27% (-$0.1 mil)
    Quarterly return on assets: 0.14% ($0.0 mil)
    Return on Equity (ROE): -2.25% (-$0.1 mil)
    Quarterly return on equity: 1.13% ($0.0 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.03% (-$9.9 mil)
    Quarterly Pretax return on assets: 0.20% ($66.2 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
  • 9Total employees (full-time equivalent)
  • $33,095Total assets
  • $3,714Cash and due from depository institutions
  • $3,035Interest-bearing balances
  • $5,481Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $21,361Net loans & leases
  • $423Loan loss allowance
  • $0Trading account assets
  • $551Bank premises and fixed assets
  • $1,121Other real estate owned
  • $267Goodwill and other intangibles
  • $33,095Life insurance assets
  • $600All other assets
  • $28,859Total liabilities and capital
  • $26,748Total liabilities
  • $19,551Total deposits
  • $26,748Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $111Subordinated debt
  • $4,236All other liabilities
  • $4,236Total equity capital
  • $4,236Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $5,869Surplus
  • $-1,753Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,274Income earned, not collected on loans
  • $0Earning assets
  • $132Long-term assets (5+ years)
  • $29,877Average Assets, year-to-date
  • $1,789Average Assets, quarterly
  • $35,043Volatile liabilities
  • $33,447Insider loans
  • $24,846FHLB advances
  • $32,946Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,919Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,366Restructured Loans and leases
  • $619Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,388Total interest income
  • $300Total interest expense
  • $1,088Net interest income
  • $181Provision for loan and lease losses
  • $122Total noninterest income
  • $0Fiduciary activities
  • $58Service charges on deposit accounts
  • $0Trading account gains & fees
  • $64Additional noninterest income
  • $1,290Total noninterest expense
  • $375Salaries and employee benefits
  • $87Premises and equipment expense
  • $828Additional noninterest expense
  • -$261Pre-tax net operating income
  • $250Securities gains (losses)
  • $85Applicable income taxes
  • -$96Income before extraordinary items
  • $0Extraordinary gains - net
  • -$96Net income attributable to bank
  • $0Net charge-offs
  • -$96Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.46%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 4.10%Noninterest expense to earning assets
  • -0.99%Net operating income to assets
  • -0.27%Return on assets (ROA)
  • -0.03%Pretax return on assets
  • -2.25%Return on equity (ROE)
  • -2.25%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 464.10%Credit loss provision to net charge-offs
  • -2.05%Efficiency ratio
  • 104,380Assets per employee
  • 3.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 18.60%Noncurrent assets plus other real estate owned to assets
  • 10.26%Noncurrent loans to loans
  • 10.44%Net loans and leases to deposits
  • 79.86%Net loans and leases to core deposits
  • 79.86%Equity capital to assets
  • 12.80%Core capital (leverage) ratio
  • 11.90%Tier 1 risk-based capital ratio
  • 15.77%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $35,043Average earning assets
  • $4,275Average equity
  • $31,437Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09552The Necedah Bank212 Main Street, Necedah, WI 54646July 15, 1899Full Service Brick and Mortar

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