Wisconsin FDIC Insured Institutions Assets Quality First Quarter 2017

Transcription

1 Wisconsin FDIC Insured Institutions Quality First 2017 Data compiled by: Data compiled by: Tom Kosanda Data distributed by:» FDIC ly Data used as the source material.» For updates or copies please

2 and Quality, 1st Qtr Due **Non- +++ / ** Quality (Tier from 1 + ) Guaranty Bank Milwaukee WI 1, ,100 50, ,394 33, (18.69) Columbia Savings and Loan Association Milwaukee WI Y , ,347 1, (32.43) Markesan State Bank Markesan WI ,627 1, ,859 16, The Bank of Kaukauna Kaukauna WI , Mitchell Bank Milwaukee WI , , (6.07) Securant Bank & Trust Menomonee Fall WI , ,514 2, (1.95) Ladysmith Federal Savings and Loan AssociatioLadysmith WI Y ,127 1, (5.71) The Equitable Bank, S.S.B. Wauwatosa WI Y ,928 1, ,888 4, (10.70) Independence State Bank Independence WI , (5.24) Hiawatha National Bank Hager City WI , , Sunset Bank & Savings Waukesha WI ,258 2, (5.27) Community State Bank Union Grove WI , , (0.85) Farmers State Bank Markesan WI , , (3.65) Great North Bank Florence WI , , First National Bank Waupaca WI , ,086 3,810 23, (21.61) Security State Bank Iron River WI , (8.59) First National Community Bank New Richmond WI , , Bay Bank Green Bay WI , , (0.93) River Valley Bank Wausau WI 1, ,732 20, ,262 4, (1.10) West Pointe Bank Oshkosh WI , , (1.02) Waumandee State Bank Waumandee WI ,028 2, , (2.93) Citizens Bank Mukwonago WI , ,927 7, State Bank of Newburg Newburg WI ,439 5, , (2.39) The First Bank of Baldwin Baldwin WI , , (2.81) The Benton State Bank Benton WI Union State Bank of West Salem West Salem WI , State Bank of Chilton Chilton WI , ,326 5, Bank of Oakfield Oakfield WI , (4.48) Marathon Savings Bank Wausau WI Y ,853 3, , (6.18) Pioneer Bank of Wisconsin Ladysmith WI , Oostburg State Bank Oostburg WI , , (0.00) Blackhawk Bank Beloit WI ,066 5, , Union Bank of Blair Blair WI , , (28.02) Citizens First Bank Viroqua WI , (0.01) Bank of Lake Mills Lake Mills WI ,462 2, , (0.67) Bank of Galesville Galesville WI , , (0.01) First Federal Bank of Wisconsin Waukesha WI Y , , (5.24) State Bank of Cross Plains Cross Plains WI ,417 2, , (0.68) First Business Bank-Milwaukee Brookfield WI , Bank of Ontario Ontario WI Park Bank Holmen WI (1.00) Laona State Bank Laona WI , (3.54) The Farmers & Merchants Bank Berlin WI ,307 2, , Cleveland State Bank Cleveland WI , (7.62) Investors Community Bank Manitowoc WI 1, , ,994 15, Black River Country Bank Black River Fall WI , (4.45) Peoples State Bank Prairie Du Chien WI ,818 8, , Alliance Bank Mondovi WI , , Farmers and Merchants Union Bank Columbus WI , , (0.53) Peoples Bank Elkhorn WI , , (1.94) The Baraboo National Bank Baraboo WI , ,459 2, (0.36) 1 of 5

3 and Quality, 1st Qtr Due **Non- +++ / ** Quality (Tier from 1 + ) Farmers & Merchants Bank Tomah WI , , (10.63) Citizens State Bank Cadott WI , The First National Bank - Fox Valley Neenah WI , , Security Bank New Auburn WI , American Bank & Trust Wisconsin Cuba City WI ,016 1, (2.98) Dairy State Bank Rice Lake WI , (0.30) Fox River State Bank Burlington WI (1.41) Ixonia Bank Ixonia WI , (0.61) Capitol Bank Madison WI , , (0.37) Partnership Bank Cedarburg WI , , (4.24) Great Midwest Bank, S.S.B. Brookfield WI Y ,855 6, , (1.52) The First National Bank of Berlin Berlin WI , ,890 1, (0.06) Tri City National Bank Oak Creek WI 1, ,833 14, , (0.91) Badger Bank Fort Atkinson WI , (0.25) Paper City Savings Association Wisconsin RapidsWI Y , , Chippewa Valley Bank Winter WI , ,688 2, Superior Savings Bank Superior WI Y , (3.21) Citizens Community Federal National AssociatiAltoona WI ,422 2, , (0.77) WOODTRUST BANK Wisconsin RapidsWI , , (2.26) Northern State Bank Ashland WI , (0.26) First Community Bank Milton WI , Associated Bank, National Association Green Bay WI 29,058 2, , ,305 76,924 9,305 7, , (0.86) The Stephenson National Bank and Trust Marinette WI , , Mayville Savings Bank Mayville WI Y (0.65) Mound City Bank Platteville WI , Farmers and Merchants Bank of Kendall Kendall WI (1.66) Southport Bank Kenosha WI , , (1.25) PremierBank Fort Atkinson WI , , (2.49) Bank of Wisconsin Dells Wisconsin Dells WI , (0.76) Horicon Bank Horicon WI ,049 1, , (1.12) Farmers & Merchants State Bank Waterloo WI , , The National Bank of Waupun Waupun WI , , (2.34) Hustisford State Bank Hustisford WI Headwaters State Bank Land O Lakes WI , The Port Washington State Bank Port Washington WI ,440 3, , (5.98) The Peoples Community Bank Mazomanie WI , Choice bank Oshkosh WI ,560 2, , The First National Bank of Bangor Bangor WI , , (0.06) Farmers & Merchants Bank & Trust Marinette WI , (1.31) Integrity First Bank Wausau WI North Shore Bank, FSB Brookfield WI Y 1, , ,174 13, (2.98) Waukesha State Bank Waukesha WI , ,966 2, (0.91) State Bank of Reeseville Reeseville WI Peoples State Bank Wausau WI ,979 4, , The Park Bank Madison WI ,386 6, , (0.79) Waldo State Bank Waldo WI Dairyland State Bank Bruce WI PyraMax Bank, FSB Greenfield WI Y , , Community Bank of Cameron Cameron WI (9.57) Community First Bank Boscobel WI , , State Bank Financial La Crosse WI , of 5

4 and Quality, 1st Qtr Due **Non- +++ / ** Quality (Tier from 1 + ) Bank of Mauston Mauston WI , (0.53) Spring Bank Brookfield WI , , (3.25) Citizens State Bank of Loyal Loyal WI , Community Financial Bank Prentice WI The First National Bank of Park Falls Park Falls WI , Premier Community Bank Marion WI , , (0.04) American National Bank - Fox Cities Appleton WI , (0.08) First American Bank, N.A. Hudson WI , (0.87) Nekoosa Port Edwards State Bank Nekoosa WI ,552 1, (1.22) Stratford State Bank Stratford WI (1.25) AbbyBank Abbotsford WI , , (2.37) First State Bank New London WI ,265 1, (2.67) Grand Marsh State Bank Grand Marsh WI , (0.35) First Business Bank Madison WI 1, , Bank of Luxemburg Luxemburg WI , (1.15) Home Savings Bank Madison WI * Pigeon Falls State Bank Pigeon Falls WI (1.03) Citizens State Bank Hudson WI , (3.18) United Community Bank Poynette WI , (0.47) Tomahawk Community Bank S.S.B. Tomahawk WI , First Bank Financial Centre Oconomowoc WI 1, , ,272 4, (0.66) The Greenwood's State Bank Lake Mills WI , (1.09) Middleton Community Bank Middleton WI , Timberwood Bank Tomah WI , The American National Bank of Beaver Dam Beaver Dam WI (1.75) River Bank Stoddard WI , , United Bank Osseo WI ,428 1, (0.30) East Wisconsin Savings Bank, S.A. Kaukauna WI Y ,749 1, (2.51) Wisconsin Bank & Trust Madison WI 1, ,922 6, The Peshtigo National Bank Peshtigo WI , Lincoln Community Bank Merrill WI (0.68) The First National Bank of River Falls River Falls WI (2.26) Nicolet National Bank Green Bay WI 2, ,298 13, (2.84) Woodford State Bank Monroe WI , (0.33) Bank of Deerfield Deerfield WI (0.00) McFarland State Bank Mc Farland WI , Coulee Bank La Crosse WI , (1.41) KeySavings Bank Wisconsin RapidsWI Y The Necedah Bank Necedah WI Northwestern Bank Chippewa Falls WI , Sterling Bank Barron WI , (0.82) Commerce State Bank West Bend WI , (0.13) Johnson Bank Racine WI 4, ,135 6, ,478 27, (0.33) Wisconsin River Bank Sauk City WI (18.36) River Cities Bank Wisconsin RapidsWI , (0.57) The Bank of New Glarus New Glarus WI , Portage County Bank Almond WI (0.32) National Exchange Bank and Trust Fond Du Lac WI 1, ,450 16, , Clare Bank, National Association Platteville WI , Wolf River Community Bank Hortonville WI (2.14) Bank of Cashton Cashton WI of 5

5 and Quality, 1st Qtr Due **Non- +++ / ** Quality (Tier from 1 + ) Cumberland Federal Bank, FSB Cumberland WI Y Cornerstone Community Bank Grafton WI (1.29) Fox Valley Savings Bank Fond Du Lac WI Y , (0.23) Peoples Bank Midwest Hayward WI , Bank of Alma Alma WI ,112 2, , Farmers & Merchants Bank, of Orfordville Orfordville WI The Bank of Brodhead Brodhead WI , (0.29) Union National Bank & Trust Company Sparta WI (8.30) Farmers State Bank Hillsboro WI , (3.92) Royal Bank Elroy WI , (1.87) Eagle Valley Bank, National Association Saint Croix Fall WI (0.82) The First National Bank and Trust Company Beloit WI 1, ,700 1, , (1.13) Intercity State Bank Schofield WI , (2.37) TSB Bank Lomira WI (0.71) Bonduel State Bank Bonduel WI (0.01) WaterStone Bank, SSB Wauwatosa WI 1, ,594 6, ,070 8, (0.77) The Pineries Bank Stevens Point WI Hometown Bank Fond Du Lac WI , (0.39) Bank Mutual Brown Deer WI 2, ,778 2, ,022 8, (0.15) Citizens State Bank of La Crosse La Crosse WI (0.11) Highland State Bank Highland WI (0.06) Monona State Bank Monona WI , (1.04) State Bank Gresham WI (1.54) Charter Bank Eau Claire WI ,040 1, ,064 2, (1.29) National Bank of Commerce Superior WI , , (2.87) Forward Financial Bank Marshfield WI Y , (0.06) Westbury Bank West Bend WI * , (0.32) Heritage Bank Spencer WI (0.11) Town Bank Hartland WI 1, ,313 1,407 1,759 1,379 2, (1.43) State Bank of Arcadia Arcadia WI Oregon Community Bank & Trust Oregon WI (1.99) The First National Bank of Hartford Hartford WI , (1.14) Collins State Bank Collins WI (0.05) Richland County Bank Richland Center WI (0.02) Pioneer Bank Auburndale WI BLC Community Bank Little Chute WI (0.21) Denmark State Bank Denmark WI (0.17) John Deere Financial, f.s.b. Madison WI 2, , , , Banner Banks Birnamwood WI Bank of Sun Prairie Sun Prairie WI , (0.27) First National Bank in Tigerton Tigerton WI (1.93) Bankers' Bank Madison WI , (0.03) Bank of Prairie du Sac Prairie Du Sac WI , Bank First National Manitowoc WI 1, , (0.19) Jackson County Bank Black River Fall WI , Farmers Savings Bank Mineral Point WI (1.20) Unity Bank Augusta WI (2.30) The Farmers State Bank of Waupaca Waupaca WI (0.55) First National Bank at Darlington Darlington WI Time Federal Savings Bank Medford WI Y , Oak Bank Fitchburg WI (0.23) 4 of 5

6 and Quality, 1st Qtr Due **Non- +++ / ** Quality (Tier from 1 + ) Security Financial Bank Durand WI (0.27) The International Bank of Amherst Amherst WI (0.08) Shell Lake State Bank Shell Lake WI (4.76) Park Bank Milwaukee WI (0.02) Commercial Bank Whitewater WI (0.64) Bank of Milton Milton WI (0.08) Community First Bank Rosholt WI Settlers Bank De Forest WI State Bank of Cazenovia Cazenovia WI Union Bank & Trust Company Evansville WI (0.06) Advantage Community Bank Dorchester WI (7.36) First Citizens State Bank Whitewater WI Greenleaf Wayside Bank Greenleaf WI (0.01) DMB Community Bank De Forest WI (0.53) River Falls State Bank River Falls WI Thrivent Trust Company Appleton WI Northwestern Mutual Wealth Management Milwaukee WI *Recently Converted Texas Ratio is a measure of a bank's credit troubles. It is calculated by divding the value of the bank's non-performing assets by the sum of its tangible common equity and loan loss reserves. The Modified Texas Ratio illustrated takes into the account of the non-performing assets that are guaranteed by the government or covered by the FDIC Loss Sharing Program. ** Excluding assets covered by government Restructured loans 90+ days excluding what is covered by Government Guarantee or FDIC Loan Loss excluding what is covered by FDIC Loss Sharing in status, excluding what is covered by government guarantees or FDIC Loss Shaing Data presented in this report is based on FDIC statistics as of 12/31/2016. Every effort has been made to ensure the accuracy of these data. Information provided is for references only. Copyright 2017, Bankers Benefits, LLC. Do not reproduce or forward. For update or copies please info@bankersbenefits.com. 5 of 5

7 Texas Ratio What Does Texas Ratio Mean? A ratio developed by Gerald Cassidy and other analysts at RDC Markets to measure the credit problems of particular banks or regions of banks. The Texas ratio takes the amount of a bank's non-performing assets and loans, as well as loans delinquent for more than 90 days, and divides this number by the firm's tangible capital equity plus its loan loss reserve. A ratio of more than 100 (or 1:1) is considered a warning sign. Investopedia explains Texas Ratio The Texas ratio was developed as an early warning system to identify potential problem banks. It was originally applied to banks in Texas in the 1980s and proved useful for New England banks in the early 1990s. This ratio can be useful when an asset held on a bank's balance sheet is falling in value, such as with oil reserves or mortgage assets. Texas Ratio is a measure of a bank's credit troubles. It is calculated by dividing the value of the bank's nonperforming assets by the sum of its tangible common equity and loan loss reserves. However some banks might have acquired non-performing assets that are covered by Federal Deposit Insurance Corporation Loss Sharing arrangements; thus, the financial strength of these institutions may be stronger than the data reflects.

8 » How we started. We saw an opportunity to give community banks products and services that were traditionally only attainable by larger entities. We offer a wide range of compensation and benefit consulting services that assist clients in attracting, retaining and motivating key employees.» What we do. Incentives and Retention Plans We create compensation systems that assist your bank in growing talent, retaining high performers, and aligning executives with shareholder values. Funding and Financing Options We work hard to ensure that the product design and the BOLI carrier are optimizing performance and maintaining the desired asset credit quality. Supplemental Retirement Plans We design smart retirement, 401(k), profit-sharing and defined benefit plans that free up resources and keeps your talent motivated so you can stay competitive.» Get in touch today and find how we can help you and your community bank. Tom Kosanda Tom@BankersBenefits.com