Bremer Bank, National Association in Menomonie, Wisconsin (WI)

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Bremer Bank, National Association
GeneralFDIC Certificate #: 15241
Status: Active
Federal Reserve ID: 503453
Bank Holding Company (Regulatory Top Holder): Otto Bremer Foundation (RSSDID: 1121340, Location: Saint Paul, MN)
Date Established: June 22, 1913
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 15 (Domestic: 15, Interstate: No)
OTS Docket #: 14174
FDIC's unique #: 9593
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
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
LocationAddress: 605 Second Street, Menomonie, WI 54751
County: Dunn
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Kansas City
FDIC Field Office: Eau Claire
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232)
Core Based Statistical Area (CBSA): Menomonie, WI (#32860)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $667.4 mil
Equity capital: $57.1 mil
Deposits held in domestic offices: $488.2 mil
Return on assets (ROA): 0.83% ($5.5 mil)
Quarterly return on assets: 0.88% ($5.9 mil)
Return on Equity (ROE): 9.62% ($5.5 mil)
Quarterly return on equity: 10.30% ($5.9 mil)
Net income: $5.5 mil
Quarterly Net income: $1.5 mil
Pretax return on assets: 1.07% ($7,141.6 mil)
Quarterly Pretax return on assets: 1.11% ($7,408.6 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)
Total employees (full-time equivalent)106
Total assets$667,441
Cash and due from depository institutions$52,834
Interest-bearing balances$39,017
Federal funds sold & reverse repurchase agreements$7,852
Net loans & leases$392,216
Loan loss allowance $5,997
Trading account assets$0
Bank premises and fixed assets$4,246
Other real estate owned$1,147
Goodwill and other intangibles$9,057
All other assets$8,685
Life insurance assets$667,441
Total liabilities and capital$610,374
Total liabilities$488,238
Total deposits$397,593
Interest-bearing deposits$488,238
Deposits held in domestic offices$94
% insured (estimated)119034.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $3,102
All other liabilities $57,067
Total equity capital$57,067
Total bank equity capital$57,067
Perpetual preferred stock$0
Common stock$1,808
Undivided profits $16,494
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,438
Income earned, not collected on loans $6,659
Earning assets $976
Long-term assets (5+ years) $2,677
Average Assets, year-to-date $630,489
Average Assets, quarterly $117,774
Volatile liabilities $658,867
Insider loans $670,641
FHLB advances $378,215
Loans and leases held for sale $649,919
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $46,290
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $84,680
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $27,207
Total interest expense $5,109
Net interest income $22,098
Provision for loan and lease losses $1,781
Total noninterest income $4,556
Fiduciary activities $0
Service charges on deposit accounts $1,508
Trading account gains & fees $0
Additional noninterest income $3,048
Total noninterest expense $17,951
Salaries and employee benefits $7,311
Premises and equipment expense $1,170
Additional noninterest expense $9,470
Pre-tax net operating income $6,922
Securities gains (losses) $96
Applicable income taxes $1,522
Income before extraordinary items $5,496
Extraordinary gains - net $0
Net income attributable to bank $5,496
Net charge-offs $0
Cash dividends $5,496
Sale, conversion, retirement of capital stock, net $1,061
Net operating income $6,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.35%
Cost of funding earning assets 0.82%
Net interest margin 3.53%
Noninterest income to earning assets 0.73%
Noninterest expense to earning assets 2.87%
Net operating income to assets 0.82%
Return on assets (ROA) 0.83%
Pretax return on assets 1.07%
Return on equity (ROE) 9.62%
Retained earnings to average equity (YTD only) -0.88%
Net charge-offs to loans 0.28%
Credit loss provision to net charge-offs 167.86%
Efficiency ratio8.20%
Assets per employee$67,348
Cash dividends to net income (YTD only)6.30%
Condition Ratios (%)
Loss allowance to loans 109.17%
Loss allowance to noncurrent loans 1.51%
Noncurrent assets plus other real estate owned to assets 90.06%
Noncurrent loans to loans 1.17%
Net loans and leases to deposits1.67%
Net loans and leases to core deposits 80.33%
Equity capital to assets 82.90%
Core capital (leverage) ratio 8.55%
Tier 1 risk-based capital ratio 7.12%
Total risk-based capital ratio 12.24%
Average assets$13
Average earning assets$658,867
Average equity $57,143
Average loans $625,198
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Total Fiduciary and Related Assets (December 31, 2003)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$16,506
Number of Accounts1
Personal trust and agency accounts$9,911
Employee benefit-defined contribution accounts$8,174
Employee benefit-defined benefit accounts$0
Other retirement accounts$801
Corporate trust and agency accounts$267
Investment management agency accounts$0
Other fiduciary accounts$669
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts28
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$6,595
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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15 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09593Bremer Bank, National Association605 Second Street, Menomonie, WI 54751June 22, 1913Full Service Brick and Mortar
1233511Deer Park Branch131 North Main Street, Deer Park, WI 54007Febuary 11, 1970Limited Service Facility
29278Colfax Branch301 Bremer Avenue, Colfax, WI 54730January 01, 1915Full Service Brick and Mortar
34178Frederic Branch109 Wisconsin Avenue North, Frederic, WI 54837September 17, 1915Full Service Brick and Mortar
4208954Danbury Branch7447 Main Street, Danbury, WI 54830March 15, 1976Limited Service Facility
5208955Siren Branch24449 Highway 35 North, Siren, WI 54872January 06, 1986Full Service Brick and Mortar
710060Washburn Branch31 West Bayfield Street, Washburn, WI 54891May 04, 1941Full Service Brick and Mortar
8235566Bayfield Branch129 South Broad Street, Bayfield, WI 54814May 05, 1941Full Service Brick and Mortar
9235567La Pointe Branch794 Middle Road, La Pointe, WI 54850June 18, 1973Limited Service Mobile
101624Amery Branch104 West Maple Street, Amery, WI 54001August 28, 1903Full Service Brick and Mortar
11192687Elk Mound Branch116 Menomonie Street W, Elk Mound, WI 54739July 15, 1968Limited Service Facility
12192688Knapp Branch420 Main Street, Knapp, WI 54749October 07, 1968Limited Service Facility
15192691North Menomonie Branch1500 North Broadway, Menomonie, WI 54751August 09, 1982Limited Service Facility
16192692East Menomonie Branch2201 Schneider Avenue, Menomonie, WI 54751July 16, 1990Limited Service Facility
18277054New Richmond Branch532 S Knowles Ave, New Richmond, WI 54017September 01, 1936Full Service Brick and Mortar
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