Jackson County Bank in Black River Falls, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Jackson County Bank - Overview

  • General
  • FDIC Certificate #: 15121
    Status: Active
    Federal Reserve ID: 112444
    Bank Holding Company (Regulatory Top Holder): Wisconsin Bank Services, Inc. (RSSDID: 1141218, Location: Black River Falls, WI)
    Date Established: January 02, 1877
    WWW: http://www.jacksoncountybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 11561
    FDIC's unique #: 9494
    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: 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: 8 Main Street, Black River Falls, WI 54615
    County: Jackson
    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: $219.2 mil
    Equity capital: $21.8 mil
    Deposits held in domestic offices: $183.7 mil
    Return on assets (ROA): 1.80% ($3.9 mil)
    Quarterly return on assets: 1.30% ($2.8 mil)
    Return on Equity (ROE): 17.90% ($3.9 mil)
    Quarterly return on equity: 12.63% ($2.8 mil)
    Net income: $3.9 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.81% ($3,968.3 mil)
    Quarterly Pretax return on assets: 1.31% ($2,872.1 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
  • 46Total employees (full-time equivalent)
  • $219,243Total assets
  • $30,265Cash and due from depository institutions
  • $26,727Interest-bearing balances
  • $30,482Securities
  • $404Federal funds sold & reverse repurchase agreements
  • $151,934Net loans & leases
  • $2,513Loan loss allowance
  • $0Trading account assets
  • $1,529Bank premises and fixed assets
  • $50Other real estate owned
  • $0Goodwill and other intangibles
  • $219,243Life insurance assets
  • $4,579All other assets
  • $197,461Total liabilities and capital
  • $183,708Total liabilities
  • $131,520Total deposits
  • $183,708Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,000Trading liabilities
  • $0Other borrowed funds
  • $753Subordinated debt
  • $21,782All other liabilities
  • $21,782Total equity capital
  • $21,782Total bank equity capital
  • $0Perpetual preferred stock
  • $525Common stock
  • $4,475Surplus
  • $16,782Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,181Income earned, not collected on loans
  • $61Earning assets
  • $1,328Long-term assets (5+ years)
  • $209,547Average Assets, year-to-date
  • $22,602Average Assets, quarterly
  • $215,912Volatile liabilities
  • $215,536Insider loans
  • $145,994FHLB advances
  • $219,837Loans and leases held for sale
  • $1,517Unused loan commitments
  • $1,517Tier 1 (core) risk-based capital
  • $21,261Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,670Restructured Loans and leases
  • $6,902Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,960Total interest income
  • $2,506Total interest expense
  • $7,454Net interest income
  • $630Provision for loan and lease losses
  • $1,727Total noninterest income
  • $0Fiduciary activities
  • $436Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,291Additional noninterest income
  • $4,642Total noninterest expense
  • $2,675Salaries and employee benefits
  • $456Premises and equipment expense
  • $1,511Additional noninterest expense
  • $3,909Pre-tax net operating income
  • $0Securities gains (losses)
  • $33Applicable income taxes
  • $3,876Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,876Net income attributable to bank
  • $0Net charge-offs
  • $3,876Cash dividends
  • $499Sale, conversion, retirement of capital stock, net
  • $3,288Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 2.25%Noninterest expense to earning assets
  • 1.80%Net operating income to assets
  • 1.80%Return on assets (ROA)
  • 1.81%Pretax return on assets
  • 17.90%Return on equity (ROE)
  • 2.72%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 126.25%Credit loss provision to net charge-offs
  • 9.10%Efficiency ratio
  • 50,561Assets per employee
  • 4.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 84.83%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 79.00%Noncurrent assets plus other real estate owned to assets
  • 1.47%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 82.70%Net loans and leases to core deposits
  • 90.93%Equity capital to assets
  • 9.94%Core capital (leverage) ratio
  • 9.67%Tier 1 risk-based capital ratio
  • 14.56%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $215,912Average earning assets
  • $21,654Average equity
  • $206,673Average loans

List of branches

  • 6 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09494Jackson County Bank8 Main Street, Black River Falls, WI 54615January 02, 1877Full Service Brick and Mortar
    1233266Alma Center Branch141 Main Street, Alma Center, WI 54611October 08, 1934Full Service Brick and Mortar
    2233267Hixton Branch130 East Main Street, Hixton, WI 54635October 08, 1934Full Service Brick and Mortar
    3233268Merrillan Branch101 North Main, Merrillan, WI 54754October 08, 1934Full Service Brick and Mortar
    4233269Taylor BranchSecond And Main Streets, Taylor, WI 54659October 08, 1934Full Service Brick and Mortar
    5233270Highway 54 Branch616 Highway 54 East, Black River Falls, WI 54615July 18, 1996Full Service Brick and Mortar

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