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



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Community Bank of Northern Wisconsin routing number info

Table of contents:
Community Bank of Northern Wisconsin
GeneralFDIC 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
WWW: http://www.cbnwi.com
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
LocationAddress: 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 ChangesName Change
Financial SummaryTotal 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)
Total employees (full-time equivalent)30
Total assets$143,707
Cash and due from depository institutions$2,684
Interest-bearing balances$5
Securities$20,464
Federal funds sold & reverse repurchase agreements$9,861
Net loans & leases$104,928
Loan loss allowance $1,860
Trading account assets$0
Bank premises and fixed assets$2,417
Other real estate owned$391
Goodwill and other intangibles$0
All other assets$2,962
Life insurance assets$143,707
Total liabilities and capital$130,149
Total liabilities$129,886
Total deposits$118,747
Interest-bearing deposits$129,886
Deposits held in domestic offices$86
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $263
All other liabilities $13,558
Total equity capital$13,558
Total bank equity capital$13,558
Perpetual preferred stock$0
Common stock$2,503
Surplus$5,617
Undivided profits $5,438
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,138
Earning assets $268
Long-term assets (5+ years) $729
Average Assets, year-to-date $135,258
Average Assets, quarterly $13,517
Volatile liabilities $136,565
Insider loans $141,738
FHLB advances $103,061
Loans and leases held for sale $141,138
Unused loan commitments $1,071
Tier 1 (core) risk-based capital $1,071
Tier 2 risk-based capital $13,558
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $14,232
Derivatives$1,814
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,914
Total interest expense $1,912
Net interest income $5,002
Provision for loan and lease losses $740
Total noninterest income $169
Fiduciary activities $0
Service charges on deposit accounts $117
Trading account gains & fees $0
Additional noninterest income $52
Total noninterest expense $3,017
Salaries and employee benefits $1,740
Premises and equipment expense $468
Additional noninterest expense $809
Pre-tax net operating income $1,414
Securities gains (losses) $0
Applicable income taxes $10
Income before extraordinary items $1,404
Extraordinary gains - net $0
Net income attributable to bank $1,404
Net charge-offs $0
Cash dividends $1,404
Sale, conversion, retirement of capital stock, net $547
Net operating income $610
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.34%
Cost of funding earning assets 1.48%
Net interest margin 3.86%
Noninterest income to earning assets 0.13%
Noninterest expense to earning assets 2.33%
Net operating income to assets 1.03%
Return on assets (ROA) 1.03%
Pretax return on assets 1.04%
Return on equity (ROE) 10.98%
Retained earnings to average equity (YTD only) 6.21%
Net charge-offs to loans 0.50%
Credit loss provision to net charge-offs 135.28%
Efficiency ratio3.94%
Assets per employee$58,345
Cash dividends to net income (YTD only)4.79%
Condition Ratios (%)
Loss allowance to loans 43.45%
Loss allowance to noncurrent loans 1.74%
Noncurrent assets plus other real estate owned to assets 87.00%
Noncurrent loans to loans 1.76%
Net loans and leases to deposits2.00%
Net loans and leases to core deposits 80.78%
Equity capital to assets 86.20%
Core capital (leverage) ratio 9.43%
Tier 1 risk-based capital ratio 9.61%
Total risk-based capital ratio 13.16%
Memoranda
Average assets$14
Average earning assets$136,565
Average equity $12,784
Average loans $129,445
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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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