FDIC Certificate #: 14945 Status: Active Federal Reserve ID: 964353 Bank Holding Company (Regulatory Top Holder): B & E Investments, Inc. (State Bank Of Arcadia) Employee Stock Ownership Plan & Trust (RSSDID: 2264020, Location: Arcadia, WI) Date Established: January 01, 1888 WWW:http://www.melbybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9360 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: All Other Specialization < 1 Billion Date of Deposit Insurance: January 05, 1934 Last Structure Change Effective Date: June 08, 2006 Last Structure Change Process Date: June 08, 2006 Last Data Update: June 08, 2006 Data Source Date: April 05, 2012
Location
Address: 36450 Main Street, Whitehall, WI 54773 County: Trempealeau 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
Change in Location
Financial Summary
Total assets: $41.9 mil Equity capital: $7.3 mil Deposits held in domestic offices: $34.6 mil Return on assets (ROA): 0.68% ($0.3 mil) Quarterly return on assets: 0.83% ($0.3 mil) Return on Equity (ROE): 3.77% ($0.3 mil) Quarterly return on equity: 4.64% ($0.3 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.67% ($280.9 mil) Quarterly Pretax return on assets: 0.83% ($348.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$41,932Total assets
$3,774Cash and due from depository institutions
$2,052Interest-bearing balances
$7,447Securities
$234Federal funds sold & reverse repurchase agreements
$26,693Net loans & leases
$302Loan loss allowance
$0Trading account assets
$501Bank premises and fixed assets
$0Other real estate owned
$2,833Goodwill and other intangibles
$41,932Life insurance assets
$450All other assets
$34,601Total liabilities and capital
$34,562Total liabilities
$30,843Total deposits
$34,562Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$39Subordinated debt
$7,331All other liabilities
$7,331Total equity capital
$7,331Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$6,896Surplus
$335Undivided profits
Memoranda
$0Noncurrent loans and leases
$79Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$656Income earned, not collected on loans
$0Earning assets
$132Long-term assets (5+ years)
$36,426Average Assets, year-to-date
$2,545Average Assets, quarterly
$40,877Volatile liabilities
$41,463Insider loans
$25,342FHLB advances
$38,955Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,408Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,214Restructured Loans and leases
$220Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,615Total interest income
$257Total interest expense
$1,358Net interest income
$12Provision for loan and lease losses
$94Total noninterest income
$0Fiduciary activities
$72Service charges on deposit accounts
$0Trading account gains & fees
$22Additional noninterest income
$1,166Total noninterest expense
$649Salaries and employee benefits
$74Premises and equipment expense
$443Additional noninterest expense
$274Pre-tax net operating income
$0Securities gains (losses)
-$2Applicable income taxes
$276Income before extraordinary items
$0Extraordinary gains - net
$276Net income attributable to bank
$0Net charge-offs
$276Cash dividends
$23Sale, conversion, retirement of capital stock, net
$250Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.49%Yield on earning assets
0.72%Cost of funding earning assets
3.78%Net interest margin
0.26%Noninterest income to earning assets
3.25%Noninterest expense to earning assets
0.68%Net operating income to assets
0.68%Return on assets (ROA)
0.67%Pretax return on assets
3.77%Return on equity (ROE)
0.35%Retained earnings to average equity (YTD only)
0.09%Net charge-offs to loans
52.17%Credit loss provision to net charge-offs
12.43%Efficiency ratio
76,928Assets per employee
3.49%Cash dividends to net income (YTD only)
Condition Ratios (%)
90.58%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
46.04%Noncurrent assets plus other real estate owned to assets
1.56%Noncurrent loans to loans
2.43%Net loans and leases to deposits
77.23%Net loans and leases to core deposits
78.61%Equity capital to assets
17.48%Core capital (leverage) ratio
11.32%Tier 1 risk-based capital ratio
17.39%Total risk-based capital ratio
Memoranda
$19Average assets
$40,877Average earning assets
$7,326Average equity
$35,929Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9360
John O. Melby & Co. Bank
36450 Main Street, Whitehall, WI 54773
January 01, 1888
Full Service Brick and Mortar
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