Coulee Bank in city_name, state_name - Detailed Financial Reports, Location

Coulee Bank in La Crosse, Wisconsin (WI), MN
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Coulee Bank routing number info

Coulee Bank - Overview

General
FDIC Certificate #: 18361
Status: Active
Federal Reserve ID: 457752
Bank Holding Company (Regulatory Top Holder): Coulee Bancshares, Inc. (RSSDID: 1126989, Location: La Crosse, WI)
Date Established: Febuary 27, 1961
WWW: http://www.couleebank.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: Yes)
OTS Docket #: 12544
FDIC's unique #: 12273
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: Commercial Lending Specialization
Date of Deposit Insurance: March 20, 1961
Last Structure Change Effective Date: May 21, 2010
Last Structure Change Process Date: May 24, 2010
Last Data Update: May 24, 2010
Data Source Date: April 05, 2012
Location
Address: 1516 Losey Boulevard South, La Crosse, WI 54601
County: La Crosse
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Madison
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): La Crosse, WI-MN (#3870)
Core Based Statistical Area (CBSA): La Crosse, WI-MN (#29100)
CBSA Metro Statistical Area: La Crosse, WI-MN (#29100)
History of Changes
Participated in FDIC Assisted Absorption/Consolidation/Merger
Financial Summary
Total assets: $275.7 mil
Equity capital: $28.5 mil
Deposits held in domestic offices: $207.1 mil
Return on assets (ROA): 1.68% ($4.6 mil)
Quarterly return on assets: 1.55% ($4.3 mil)
Return on Equity (ROE): 16.93% ($4.9 mil)
Quarterly return on equity: 14.90% ($4.3 mil)
Net income: $4.6 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 1.69% ($4,660.0 mil)
Quarterly Pretax return on assets: 1.56% ($4,301.5 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
47Total employees (full-time equivalent)
$275,739Total assets
$8,525Cash and due from depository institutions
$428Interest-bearing balances
$83,747Securities
$2,702Federal funds sold & reverse repurchase agreements
$174,128Net loans & leases
$2,555Loan loss allowance
$0Trading account assets
$2,314Bank premises and fixed assets
$1,480Other real estate owned
$110Goodwill and other intangibles
$275,739Life insurance assets
$2,733All other assets
$247,224Total liabilities and capital
$207,137Total liabilities
$198,468Total deposits
$207,137Interest-bearing deposits
$90Deposits held in domestic offices
35613.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$474Subordinated debt
$28,515All other liabilities
$28,515Total equity capital
$28,515Total bank equity capital
$0Perpetual preferred stock
$250Common stock
$9,750Surplus
$18,515Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,612Income earned, not collected on loans
$0Earning assets
$1,308Long-term assets (5+ years)
$261,005Average Assets, year-to-date
$52,510Average Assets, quarterly
$272,116Volatile liabilities
$275,540Insider loans
$176,451FHLB advances
$273,328Loans and leases held for sale
$120Unused loan commitments
$120Tier 1 (core) risk-based capital
$24,993Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$33,434Restructured Loans and leases
$8,170Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,793Total interest income
$2,965Total interest expense
$9,828Net interest income
$467Provision for loan and lease losses
$1,840Total noninterest income
$0Fiduciary activities
$350Service charges on deposit accounts
$0Trading account gains & fees
$1,490Additional noninterest income
$6,621Total noninterest expense
$3,419Salaries and employee benefits
$875Premises and equipment expense
$2,327Additional noninterest expense
$4,580Pre-tax net operating income
$9Securities gains (losses)
$27Applicable income taxes
$4,562Income before extraordinary items
$0Extraordinary gains - net
$4,562Net income attributable to bank
$0Net charge-offs
$4,562Cash dividends
$149Sale, conversion, retirement of capital stock, net
$3,452Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.93%Yield on earning assets
1.14%Cost of funding earning assets
3.79%Net interest margin
0.71%Noninterest income to earning assets
2.55%Noninterest expense to earning assets
1.67%Net operating income to assets
1.68%Return on assets (ROA)
1.69%Pretax return on assets
16.93%Return on equity (ROE)
4.12%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
313.42%Credit loss provision to net charge-offs
33.87%Efficiency ratio
56,471Assets per employee
5.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
75.67%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
158.50%Noncurrent assets plus other real estate owned to assets
1.12%Noncurrent loans to loans
0.91%Net loans and leases to deposits
84.06%Net loans and leases to core deposits
86.99%Equity capital to assets
10.34%Core capital (leverage) ratio
9.14%Tier 1 risk-based capital ratio
14.16%Total risk-based capital ratio
Memoranda
$15Average assets
$272,116Average earning assets
$26,952Average equity
$259,295Average loans

List of branches

1 Minnesota Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
5	520799	Highland Park Branch	742 Grand Avenue, Saint Paul, MN 55105	November 22, 2010	Full Service Brick and Mortar

4 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	12273	Coulee Bank	1516 Losey Boulevard South, La Crosse, WI 54601	Febuary 27, 1961	Full Service Brick and Mortar
1	245116	Onalaska Branch	590 Theatre Road, Onalaska, WI 54601	November 15, 1997	Full Service Brick and Mortar
2	478877	Eagle Crest Branch	351 Mason Street, Onalaska, WI 54650	January 31, 2008	Limited Service Administrative
3	489590	Eagle Crest Facility	Mason Street, Onalaska, WI 54650	January 31, 2008	Limited Service Retail

Coulee Bank in La Crosse, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches

Coulee Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Coulee Bank in La Crosse, Wisconsin (WI), MNOverview, Financial Summary, Detailed Financial Reports, Branches

Coulee Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Coulee Bank in La Crosse, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches