Jackson County Bank in Black River Falls, Wisconsin (WI)

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Jackson County Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)46
Total assets$219,243
Cash and due from depository institutions$30,265
Interest-bearing balances$26,727
Federal funds sold & reverse repurchase agreements$404
Net loans & leases$151,934
Loan loss allowance $2,513
Trading account assets$0
Bank premises and fixed assets$1,529
Other real estate owned$50
Goodwill and other intangibles$0
All other assets$4,579
Life insurance assets$219,243
Total liabilities and capital$197,461
Total liabilities$183,708
Total deposits$131,520
Interest-bearing deposits$183,708
Deposits held in domestic offices$81
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,000
Other borrowed funds $0
Subordinated debt $753
All other liabilities $21,782
Total equity capital$21,782
Total bank equity capital$21,782
Perpetual preferred stock$0
Common stock$525
Undivided profits $16,782
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 $3,181
Earning assets $61
Long-term assets (5+ years) $1,328
Average Assets, year-to-date $209,547
Average Assets, quarterly $22,602
Volatile liabilities $215,912
Insider loans $215,536
FHLB advances $145,994
Loans and leases held for sale $219,837
Unused loan commitments $1,517
Tier 1 (core) risk-based capital $1,517
Tier 2 risk-based capital $21,261
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $12,670
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $9,960
Total interest expense $2,506
Net interest income $7,454
Provision for loan and lease losses $630
Total noninterest income $1,727
Fiduciary activities $0
Service charges on deposit accounts $436
Trading account gains & fees $0
Additional noninterest income $1,291
Total noninterest expense $4,642
Salaries and employee benefits $2,675
Premises and equipment expense $456
Additional noninterest expense $1,511
Pre-tax net operating income $3,909
Securities gains (losses) $0
Applicable income taxes $33
Income before extraordinary items $3,876
Extraordinary gains - net $0
Net income attributable to bank $3,876
Net charge-offs $0
Cash dividends $3,876
Sale, conversion, retirement of capital stock, net $499
Net operating income $3,288
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.82%
Cost of funding earning assets 1.21%
Net interest margin 3.61%
Noninterest income to earning assets 0.84%
Noninterest expense to earning assets 2.25%
Net operating income to assets 1.80%
Return on assets (ROA) 1.80%
Pretax return on assets 1.81%
Return on equity (ROE) 17.90%
Retained earnings to average equity (YTD only) 2.72%
Net charge-offs to loans 0.32%
Credit loss provision to net charge-offs 126.25%
Efficiency ratio9.10%
Assets per employee$50,561
Cash dividends to net income (YTD only)4.77%
Condition Ratios (%)
Loss allowance to loans 84.83%
Loss allowance to noncurrent loans 1.63%
Noncurrent assets plus other real estate owned to assets 79.00%
Noncurrent loans to loans 1.47%
Net loans and leases to deposits2.06%
Net loans and leases to core deposits 82.70%
Equity capital to assets 90.93%
Core capital (leverage) ratio 9.94%
Tier 1 risk-based capital ratio 9.67%
Total risk-based capital ratio 14.56%
Average assets$16
Average earning assets$215,912
Average equity $21,654
Average loans $206,673
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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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