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


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
  • NoIDNameAddressEstablishedService TypeMap
    5520799Highland Park Branch742 Grand Avenue, Saint Paul, MN 55105November 22, 2010Full Service Brick and Mortar
  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012273Coulee Bank1516 Losey Boulevard South, La Crosse, WI 54601Febuary 27, 1961Full Service Brick and Mortar
    1245116Onalaska Branch590 Theatre Road, Onalaska, WI 54601November 15, 1997Full Service Brick and Mortar
    2478877Eagle Crest Branch351 Mason Street, Onalaska, WI 54650January 31, 2008Limited Service Administrative
    3489590Eagle Crest FacilityMason Street, Onalaska, WI 54650January 31, 2008Limited Service Retail

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