Black River Country Bank in Black River Falls, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Black River Country Bank in Black River Falls, Wisconsin (WI)
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Black River Country Bank - Overview

  • General
  • FDIC Certificate #: 15152
    Status: Active
    Federal Reserve ID: 603540
    Bank Holding Company (Regulatory Top Holder): Brad, Inc. (RSSDID: 1978656, Location: Black River Falls, WI)
    Date Established: January 01, 1907
    WWW: http://www.brcbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12080
    FDIC's unique #: 9522
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 221 Main Street, Black River Falls, WI 54615
    County: Jackson
    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: $70.9 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $57.9 mil
    Return on assets (ROA): 1.41% ($1.0 mil)
    Quarterly return on assets: 1.59% ($1.1 mil)
    Return on Equity (ROE): 11.03% ($1.0 mil)
    Quarterly return on equity: 12.26% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.43% ($1,014.2 mil)
    Quarterly Pretax return on assets: 1.61% ($1,141.9 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
  • 20Total employees (full-time equivalent)
  • $70,923Total assets
  • $6,987Cash and due from depository institutions
  • $5,200Interest-bearing balances
  • $7,204Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $53,387Net loans & leases
  • $765Loan loss allowance
  • $0Trading account assets
  • $1,638Bank premises and fixed assets
  • $973Other real estate owned
  • $0Goodwill and other intangibles
  • $70,923Life insurance assets
  • $734All other assets
  • $61,732Total liabilities and capital
  • $57,890Total liabilities
  • $49,157Total deposits
  • $57,890Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,750Trading liabilities
  • $0Other borrowed funds
  • $92Subordinated debt
  • $9,191All other liabilities
  • $9,191Total equity capital
  • $9,191Total bank equity capital
  • $0Perpetual preferred stock
  • $180Common stock
  • $3,020Surplus
  • $5,991Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $826Income earned, not collected on loans
  • $0Earning assets
  • $282Long-term assets (5+ years)
  • $65,791Average Assets, year-to-date
  • $11,998Average Assets, quarterly
  • $70,109Volatile liabilities
  • $70,476Insider loans
  • $49,327FHLB advances
  • $69,979Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,028Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,683Restructured Loans and leases
  • $2,270Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,601Total interest income
  • $955Total interest expense
  • $2,646Net interest income
  • $130Provision for loan and lease losses
  • $209Total noninterest income
  • $0Fiduciary activities
  • $102Service charges on deposit accounts
  • $0Trading account gains & fees
  • $107Additional noninterest income
  • $1,723Total noninterest expense
  • $958Salaries and employee benefits
  • $202Premises and equipment expense
  • $563Additional noninterest expense
  • $1,002Pre-tax net operating income
  • $0Securities gains (losses)
  • $10Applicable income taxes
  • $992Income before extraordinary items
  • $0Extraordinary gains - net
  • $992Net income attributable to bank
  • $0Net charge-offs
  • $992Cash dividends
  • $36Sale, conversion, retirement of capital stock, net
  • $909Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.46%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 11.03%Return on equity (ROE)
  • 0.92%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 361.11%Credit loss provision to net charge-offs
  • 31.44%Efficiency ratio
  • 60,350Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.63%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 92.62%Noncurrent assets plus other real estate owned to assets
  • 2.54%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 92.22%Net loans and leases to core deposits
  • 95.74%Equity capital to assets
  • 12.96%Core capital (leverage) ratio
  • 12.90%Tier 1 risk-based capital ratio
  • 18.30%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $70,109Average earning assets
  • $8,995Average equity
  • $65,384Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09522Black River Country Bank221 Main Street, Black River Falls, WI 54615January 01, 1907Full Service Brick and Mortar
    1233304Melrose Branch401 North Washington, Melrose, WI 54642April 23, 1973Full Service Brick and Mortar

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