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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    559076Wabasha County Bank/Branch730 Pembroke Avenue, Wabasha, MN 55981August 24, 1998Full Service Brick and Mortar
  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035718Bank Of Alma211 Main Street, Alma, WI 54610June 20, 1986Full Service Brick and Mortar
    3228811Nelson BranchN104 North Main Street, Nelson, WI 54756October 13, 1936Full Service Brick and Mortar
    4228812Pepin BranchLake And Second, Pepin, WI 54759August 01, 1944Full Service Brick and Mortar

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