Banner Banks in Birnamwood, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Banner Banks in Birnamwood, Wisconsin (WI)
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Banner Banks - Overview

  • General
  • FDIC Certificate #: 10374
    Status: Active
    Federal Reserve ID: 453147
    Bank Holding Company (Regulatory Top Holder): Banner Bancorp, Ltd. (RSSDID: 1207691, Location: Birnamwood, WI)
    Date Established: January 01, 1900
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 9734
    FDIC's unique #: 6646
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 416 Main St., Birnamwood, WI 54414
    County: Shawano
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    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: $90.5 mil
    Equity capital: $11.9 mil
    Deposits held in domestic offices: $74.8 mil
    Return on assets (ROA): 0.99% ($0.9 mil)
    Quarterly return on assets: 1.07% ($1.0 mil)
    Return on Equity (ROE): 7.97% ($1.0 mil)
    Quarterly return on equity: 8.23% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.01% ($913.6 mil)
    Quarterly Pretax return on assets: 1.08% ($976.9 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
  • 30Total employees (full-time equivalent)
  • $90,454Total assets
  • $12,867Cash and due from depository institutions
  • $9,725Interest-bearing balances
  • $26,890Securities
  • $1,322Federal funds sold & reverse repurchase agreements
  • $46,678Net loans & leases
  • $884Loan loss allowance
  • $0Trading account assets
  • $805Bank premises and fixed assets
  • $503Other real estate owned
  • $0Goodwill and other intangibles
  • $90,454Life insurance assets
  • $1,389All other assets
  • $78,603Total liabilities and capital
  • $74,808Total liabilities
  • $63,909Total deposits
  • $74,808Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,500Trading liabilities
  • $0Other borrowed funds
  • $295Subordinated debt
  • $11,851All other liabilities
  • $11,851Total equity capital
  • $11,851Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $2,195Surplus
  • $9,476Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,113Income earned, not collected on loans
  • $0Earning assets
  • $398Long-term assets (5+ years)
  • $84,615Average Assets, year-to-date
  • $20,996Average Assets, quarterly
  • $91,812Volatile liabilities
  • $90,876Insider loans
  • $55,249FHLB advances
  • $88,460Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,938Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,475Restructured Loans and leases
  • $266Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,768Total interest income
  • $790Total interest expense
  • $2,978Net interest income
  • $35Provision for loan and lease losses
  • $195Total noninterest income
  • $0Fiduciary activities
  • $100Service charges on deposit accounts
  • $0Trading account gains & fees
  • $95Additional noninterest income
  • $2,211Total noninterest expense
  • $1,393Salaries and employee benefits
  • $328Premises and equipment expense
  • $490Additional noninterest expense
  • $927Pre-tax net operating income
  • $0Securities gains (losses)
  • $20Applicable income taxes
  • $907Income before extraordinary items
  • $0Extraordinary gains - net
  • $907Net income attributable to bank
  • $0Net charge-offs
  • $907Cash dividends
  • $71Sale, conversion, retirement of capital stock, net
  • $358Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.33%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.54%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 0.99%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.97%Return on equity (ROE)
  • 4.83%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 49.30%Credit loss provision to net charge-offs
  • 13.55%Efficiency ratio
  • 69,682Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.47%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 79.42%Noncurrent assets plus other real estate owned to assets
  • 2.28%Noncurrent loans to loans
  • 2.34%Net loans and leases to deposits
  • 62.40%Net loans and leases to core deposits
  • 65.08%Equity capital to assets
  • 13.10%Core capital (leverage) ratio
  • 12.36%Tier 1 risk-based capital ratio
  • 19.80%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $91,812Average earning assets
  • $11,378Average equity
  • $87,010Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06646Banner Banks416 Main St., Birnamwood, WI 54414January 01, 1900Full Service Brick and Mortar
    1222348Hatley Branch225 Clark St, Hatley, WI 54440November 02, 1945Full Service Brick and Mortar
    2222349Antigo Branch100 South Superior Street, Antigo, WI 54409October 15, 1990Full Service Brick and Mortar
    4439655Wittenberg Branch201 East Westgor Avenue, Wittenberg, WI 54499April 04, 2005Full Service Brick and Mortar

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