Eagle Valley Bank, National Association in St. Croix Falls, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 34Total employees (full-time equivalent)
  • $150,438Total assets
  • $15,480Cash and due from depository institutions
  • $13,334Interest-bearing balances
  • $48,537Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $75,086Net loans & leases
  • $1,883Loan loss allowance
  • $0Trading account assets
  • $3,044Bank premises and fixed assets
  • $4,931Other real estate owned
  • $0Goodwill and other intangibles
  • $150,438Life insurance assets
  • $3,360All other assets
  • $145,243Total liabilities and capital
  • $112,308Total liabilities
  • $98,236Total deposits
  • $112,308Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,500Trading liabilities
  • $0Other borrowed funds
  • $435Subordinated debt
  • $5,195All other liabilities
  • $5,195Total equity capital
  • $5,195Total bank equity capital
  • $0Perpetual preferred stock
  • $220Common stock
  • $14,939Surplus
  • $-9,964Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,575Income earned, not collected on loans
  • $594Earning assets
  • $611Long-term assets (5+ years)
  • $136,957Average Assets, year-to-date
  • $51,553Average Assets, quarterly
  • $157,966Volatile liabilities
  • $151,461Insider loans
  • $90,593FHLB advances
  • $151,544Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,169Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,841Restructured Loans and leases
  • $2Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,795Total interest income
  • $2,293Total interest expense
  • $4,502Net interest income
  • $757Provision for loan and lease losses
  • -$117Total noninterest income
  • $0Fiduciary activities
  • $359Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$476Additional noninterest income
  • $6,148Total noninterest expense
  • $2,057Salaries and employee benefits
  • $1,133Premises and equipment expense
  • $2,958Additional noninterest expense
  • -$2,520Pre-tax net operating income
  • $365Securities gains (losses)
  • $4Applicable income taxes
  • -$2,159Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,159Net income attributable to bank
  • $0Net charge-offs
  • -$2,159Cash dividends
  • $1,214Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.77%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 3.16%Net interest margin
  • -0.08%Noninterest income to earning assets
  • 4.32%Noninterest expense to earning assets
  • -1.60%Net operating income to assets
  • -1.37%Return on assets (ROA)
  • -1.36%Pretax return on assets
  • -34.76%Return on equity (ROE)
  • -34.76%Retained earnings to average equity (YTD only)
  • 1.37%Net charge-offs to loans
  • 62.36%Credit loss provision to net charge-offs
  • -1.45%Efficiency ratio
  • 134,527Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.45%Loss allowance to noncurrent loans
  • 73.13%Noncurrent assets plus other real estate owned to assets
  • 4.99%Noncurrent loans to loans
  • 3.35%Net loans and leases to deposits
  • 66.86%Net loans and leases to core deposits
  • 67.21%Equity capital to assets
  • 3.45%Core capital (leverage) ratio
  • 3.41%Tier 1 risk-based capital ratio
  • 5.71%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $157,966Average earning assets
  • $6,210Average equity
  • $142,477Average loans

List of branches

  • 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
  • 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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