Bank of Alma in city_name, state_name - Detailed Financial Reports, Location

Bank of Alma in Alma, Wisconsin (WI), MN
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Bank of Alma routing number info

Bank of Alma - Overview

General
FDIC Certificate #: 26689
Status: Active
Federal Reserve ID: 564052
Bank Holding Company (Regulatory Top Holder): Dairyland Bank Holding Corporation (RSSDID: 2029368, Location: La Crosse, WI)
Date Established: June 20, 1986
WWW: http://www.bankofalma.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: Yes)
FDIC's unique #: 35718
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, 1986
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: 211 Main Street, Alma, WI 54610
County: Buffalo
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Eau Claire
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: $199.5 mil
Equity capital: $67.5 mil
Deposits held in domestic offices: $129.9 mil
Return on assets (ROA): 2.06% ($4.1 mil)
Quarterly return on assets: 1.45% ($2.9 mil)
Return on Equity (ROE): 6.07% ($4.1 mil)
Quarterly return on equity: 4.27% ($2.9 mil)
Net income: $4.0 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 2.95% ($5,885.5 mil)
Quarterly Pretax return on assets: 1.95% ($3,890.4 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, 2011)

Dollar figures in thousands
25Total employees (full-time equivalent)
$199,508Total assets
$5,541Cash and due from depository institutions
$28Interest-bearing balances
$54,254Securities
$12,994Federal funds sold & reverse repurchase agreements
$124,388Net loans & leases
$3,592Loan loss allowance
$0Trading account assets
$48Bank premises and fixed assets
$433Other real estate owned
$0Goodwill and other intangibles
$199,508Life insurance assets
$1,850All other assets
$131,970Total liabilities and capital
$129,865Total liabilities
$112,894Total deposits
$129,865Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,105Subordinated debt
$67,538All other liabilities
$67,538Total equity capital
$67,538Total bank equity capital
$0Perpetual preferred stock
$1,260Common stock
$8,950Surplus
$57,328Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$17,571Income earned, not collected on loans
$0Earning assets
$1,033Long-term assets (5+ years)
$191,664Average Assets, year-to-date
$24,082Average Assets, quarterly
$196,466Volatile liabilities
$197,666Insider loans
$133,587FHLB advances
$198,022Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$67,538Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,467Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,230Total interest income
$1,087Total interest expense
$8,143Net interest income
$1,135Provision for loan and lease losses
$643Total noninterest income
$0Fiduciary activities
$327Service charges on deposit accounts
$0Trading account gains & fees
$316Additional noninterest income
$2,016Total noninterest expense
$974Salaries and employee benefits
$126Premises and equipment expense
$916Additional noninterest expense
$5,635Pre-tax net operating income
$155Securities gains (losses)
$1,748Applicable income taxes
$4,042Income before extraordinary items
$0Extraordinary gains - net
$4,042Net income attributable to bank
$0Net charge-offs
$4,042Cash dividends
$1,134Sale, conversion, retirement of capital stock, net
$2,500Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.86%Yield on earning assets
0.57%Cost of funding earning assets
4.29%Net interest margin
0.34%Noninterest income to earning assets
1.06%Noninterest expense to earning assets
2.00%Net operating income to assets
2.06%Return on assets (ROA)
2.95%Pretax return on assets
6.07%Return on equity (ROE)
2.31%Retained earnings to average equity (YTD only)
0.83%Net charge-offs to loans
100.09%Credit loss provision to net charge-offs
5.97%Efficiency ratio
22,946Assets per employee
7.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
61.85%Loss allowance to loans
2.81%Loss allowance to noncurrent loans
20.44%Noncurrent assets plus other real estate owned to assets
9.02%Noncurrent loans to loans
13.73%Net loans and leases to deposits
95.78%Net loans and leases to core deposits
98.22%Equity capital to assets
33.85%Core capital (leverage) ratio
34.11%Tier 1 risk-based capital ratio
50.56%Total risk-based capital ratio
Memoranda
$52Average assets
$196,466Average earning assets
$66,621Average equity
$189,769Average loans

List of branches

1 Minnesota Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
5	59076	Wabasha County Bank/Branch	730 Pembroke Avenue, Wabasha, MN 55981	August 24, 1998	Full Service Brick and Mortar

3 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	35718	Bank Of Alma	211 Main Street, Alma, WI 54610	June 20, 1986	Full Service Brick and Mortar
3	228811	Nelson Branch	N104 North Main Street, Nelson, WI 54756	October 13, 1936	Full Service Brick and Mortar
4	228812	Pepin Branch	Lake And Second, Pepin, WI 54759	August 01, 1944	Full Service Brick and Mortar

Bank of Alma in Alma, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Alma - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Alma in Alma, Wisconsin (WI), MNOverview, Financial Summary, Detailed Financial Reports, Branches

Bank of Alma - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank of Alma in Alma, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches