Eagle Valley Bank, National Association in St. Croix Falls, Wisconsin (WI), MN



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Table of contents:
Eagle Valley Bank, National Association
GeneralFDIC Certificate #: 5365
Status: Active
Federal Reserve ID: 709358
Bank Holding Company (Regulatory Top Holder): Financial Services Of Saint Croix Falls, Inc. (RSSDID: 1127557, Location: Saint Croix Falls, WI)
Date Established: January 01, 1919
WWW: http://www.eaglevalleybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Domestic: 5, Interstate: Yes)
OTS Docket #: 12172
FDIC's unique #: 3620
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: Commercial Lending Specialization
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: 102 North Washington, St. Croix Falls, WI 54024
County: Polk
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $150.4 mil
Equity capital: $5.2 mil
Deposits held in domestic offices: $112.3 mil
Return on assets (ROA): -1.37% (-$2.1 mil)
Quarterly return on assets: -1.85% (-$2.8 mil)
Return on Equity (ROE): -34.76% (-$1.7 mil)
Quarterly return on equity: -50.44% (-$2.5 mil)
Net income: -$2.2 mil
Quarterly Net income: -$0.7 mil
Pretax return on assets: -1.36% (-$2,046.0 mil)
Quarterly Pretax return on assets: -1.84% (-$2,768.1 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)34
Total assets$150,438
Cash and due from depository institutions$15,480
Interest-bearing balances$13,334
Securities$48,537
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$75,086
Loan loss allowance $1,883
Trading account assets$0
Bank premises and fixed assets$3,044
Other real estate owned$4,931
Goodwill and other intangibles$0
All other assets$3,360
Life insurance assets$150,438
Total liabilities and capital$145,243
Total liabilities$112,308
Total deposits$98,236
Interest-bearing deposits$112,308
Deposits held in domestic offices$97
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$32,500
Other borrowed funds $0
Subordinated debt $435
All other liabilities $5,195
Total equity capital$5,195
Total bank equity capital$5,195
Perpetual preferred stock$0
Common stock$220
Surplus$14,939
Undivided profits $-9,964
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 $2,575
Earning assets $594
Long-term assets (5+ years) $611
Average Assets, year-to-date $136,957
Average Assets, quarterly $51,553
Volatile liabilities $157,966
Insider loans $151,461
FHLB advances $90,593
Loans and leases held for sale $151,544
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $5,169
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,841
Derivatives$2
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,795
Total interest expense $2,293
Net interest income $4,502
Provision for loan and lease losses $757
Total noninterest income -$117
Fiduciary activities $0
Service charges on deposit accounts $359
Trading account gains & fees $0
Additional noninterest income -$476
Total noninterest expense $6,148
Salaries and employee benefits $2,057
Premises and equipment expense $1,133
Additional noninterest expense $2,958
Pre-tax net operating income -$2,520
Securities gains (losses) $365
Applicable income taxes $4
Income before extraordinary items -$2,159
Extraordinary gains - net $0
Net income attributable to bank -$2,159
Net charge-offs $0
Cash dividends -$2,159
Sale, conversion, retirement of capital stock, net $1,214
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.77%
Cost of funding earning assets 1.61%
Net interest margin 3.16%
Noninterest income to earning assets -0.08%
Noninterest expense to earning assets 4.32%
Net operating income to assets -1.60%
Return on assets (ROA) -1.37%
Pretax return on assets -1.36%
Return on equity (ROE) -34.76%
Retained earnings to average equity (YTD only) -34.76%
Net charge-offs to loans 1.37%
Credit loss provision to net charge-offs 62.36%
Efficiency ratio-1.45%
Assets per employee$134,527
Cash dividends to net income (YTD only)4.42%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.45%
Noncurrent assets plus other real estate owned to assets 73.13%
Noncurrent loans to loans 4.99%
Net loans and leases to deposits3.35%
Net loans and leases to core deposits 66.86%
Equity capital to assets 67.21%
Core capital (leverage) ratio 3.45%
Tier 1 risk-based capital ratio 3.41%
Total risk-based capital ratio 5.71%
Memoranda
Average assets$7
Average earning assets$157,966
Average equity $6,210
Average loans $142,477
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2 Minnesota Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
2221095Stillwater Branch1946 Washington Avenue, Stillwater, MN 55082November 24, 1997Full Service Brick and Mortar
6419899Apple Valley Branch14800 Galaxie Avenue, Ste 100, Apple Valley, MN 55124December 12, 2002Full Service Brick and Mortar
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3 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03620Eagle Valley Bank, National Association102 North Washington, St. Croix Falls, WI 54024January 01, 1919Full Service Brick and Mortar
3207633St. Croix Falls Branch2202 Glacier Drive, Saint Croix Falls, WI 54024December 14, 1999Full Service Brick and Mortar
4362806Hudson Branch2501 Hanley Road, Hudson, WI 54016October 29, 2001Full Service Brick and Mortar
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