Community Bank of Northern Wisconsin in Rice Lake, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank of Northern Wisconsin in Rice Lake, Wisconsin (WI)
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Community Bank of Northern Wisconsin - Overview

  • General
  • FDIC Certificate #: 6196
    Status: Active
    Federal Reserve ID: 567754
    Bank Holding Company (Regulatory Top Holder): Old Murry Bancorp (RSSDID: 1140088, Location: Rice Lake, WI)
    Date Established: May 05, 1919
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 4177
    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: July 01, 2008
    Last Structure Change Process Date: July 09, 2008
    Last Data Update: July 09, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 407 West Knapp Street, Rice Lake, WI 54868
    County: Barron
    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
  • Name Change
  • Financial Summary
  • Total assets: $143.7 mil
    Equity capital: $13.6 mil
    Deposits held in domestic offices: $129.9 mil
    Return on assets (ROA): 1.03% ($1.5 mil)
    Quarterly return on assets: 1.12% ($1.6 mil)
    Return on Equity (ROE): 10.98% ($1.5 mil)
    Quarterly return on equity: 11.86% ($1.7 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.04% ($1,494.6 mil)
    Quarterly Pretax return on assets: 1.13% ($1,623.9 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)
  • $143,707Total assets
  • $2,684Cash and due from depository institutions
  • $5Interest-bearing balances
  • $20,464Securities
  • $9,861Federal funds sold & reverse repurchase agreements
  • $104,928Net loans & leases
  • $1,860Loan loss allowance
  • $0Trading account assets
  • $2,417Bank premises and fixed assets
  • $391Other real estate owned
  • $0Goodwill and other intangibles
  • $143,707Life insurance assets
  • $2,962All other assets
  • $130,149Total liabilities and capital
  • $129,886Total liabilities
  • $118,747Total deposits
  • $129,886Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $263Subordinated debt
  • $13,558All other liabilities
  • $13,558Total equity capital
  • $13,558Total bank equity capital
  • $0Perpetual preferred stock
  • $2,503Common stock
  • $5,617Surplus
  • $5,438Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,138Income earned, not collected on loans
  • $268Earning assets
  • $729Long-term assets (5+ years)
  • $135,258Average Assets, year-to-date
  • $13,517Average Assets, quarterly
  • $136,565Volatile liabilities
  • $141,738Insider loans
  • $103,061FHLB advances
  • $141,138Loans and leases held for sale
  • $1,071Unused loan commitments
  • $1,071Tier 1 (core) risk-based capital
  • $13,558Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,232Restructured Loans and leases
  • $1,814Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,914Total interest income
  • $1,912Total interest expense
  • $5,002Net interest income
  • $740Provision for loan and lease losses
  • $169Total noninterest income
  • $0Fiduciary activities
  • $117Service charges on deposit accounts
  • $0Trading account gains & fees
  • $52Additional noninterest income
  • $3,017Total noninterest expense
  • $1,740Salaries and employee benefits
  • $468Premises and equipment expense
  • $809Additional noninterest expense
  • $1,414Pre-tax net operating income
  • $0Securities gains (losses)
  • $10Applicable income taxes
  • $1,404Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,404Net income attributable to bank
  • $0Net charge-offs
  • $1,404Cash dividends
  • $547Sale, conversion, retirement of capital stock, net
  • $610Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.13%Noninterest income to earning assets
  • 2.33%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.04%Pretax return on assets
  • 10.98%Return on equity (ROE)
  • 6.21%Retained earnings to average equity (YTD only)
  • 0.50%Net charge-offs to loans
  • 135.28%Credit loss provision to net charge-offs
  • 3.94%Efficiency ratio
  • 58,345Assets per employee
  • 4.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 43.45%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 87.00%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 80.78%Net loans and leases to core deposits
  • 86.20%Equity capital to assets
  • 9.43%Core capital (leverage) ratio
  • 9.61%Tier 1 risk-based capital ratio
  • 13.16%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $136,565Average earning assets
  • $12,784Average equity
  • $129,445Average loans

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04177Community Bank Of Northern Wisconsin407 West Knapp Street, Rice Lake, WI 54868May 05, 1919Full Service Brick and Mortar
    1208953Community Bank Of Brill2789 22nd Street, Brill, WI 54818December 05, 1994Full Service Brick and Mortar
    2359378Community Bank Of Ladysmith810 Miner Avenue West, Ladysmith, WI 54848Febuary 05, 2001Full Service Brick and Mortar
    3477903Community Bank Of Spooner Branch322 River Street, Spooner, WI 54801April 01, 2008Full Service Brick and Mortar
    4511461Ridgeland Wi Lpo101 Center Street, Ridgeland, WI 54763August 16, 2010Limited Service Loan Production

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