North Land Bank of Wisconsin, SSB in Ashland, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 27, 1994

  • North Land Bank of Wisconsin, SSB in Ashland, Wisconsin (WI)
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North Land Bank of Wisconsin, SSB - Overview

  • General
  • FDIC Certificate #: 28603
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Financial Bank (#28939)
    Federal Reserve ID: 427773
    Date Established: January 01, 1902
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 1934
    FDIC's unique #: 41437
    Numeric code: 35
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 23, 1953
    Last Structure Change Effective Date: Febuary 27, 1994
    Last Structure Change Process Date: April 14, 1994
    Last Data Update: April 14, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 221 4th Avenue West, Ashland, WI 54806
    County: Ashland
    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
  • Financial Summary
  • Total assets: $127.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $73Total assets
  • $127,362Cash and due from depository institutions
  • $4,318Interest-bearing balances
  • $1,171Securities
  • $21,008Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $90,136Loan loss allowance
  • $792Trading account assets
  • $0Bank premises and fixed assets
  • $2,329Other real estate owned
  • $7Goodwill and other intangibles
  • $8,865Life insurance assets
  • $699All other assets
  • $0Total liabilities and capital
  • $127,362Total liabilities
  • $115,961Total deposits
  • $114,638Interest-bearing deposits
  • $107,620Deposits held in domestic offices
  • 114638.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $750Subordinated debt
  • $0All other liabilities
  • $573Total equity capital
  • $573Total bank equity capital
  • $11,401Perpetual preferred stock
  • $0Common stock
  • $494Surplus
  • $4,294Undivided profits
  • Memoranda
  • $6,613Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $899Income earned, not collected on loans
  • $612Earning assets
  • $112,315Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $129,256Average Assets, quarterly
  • $127,904Volatile liabilities
  • $18,197Insider loans
  • $1,223FHLB advances
  • $750Loans and leases held for sale
  • $0Unused loan commitments
  • $4,008Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,401Total risk weighted assets
  • $83,080Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,804Total interest expense
  • $5,021Net interest income
  • $4,783Provision for loan and lease losses
  • $419Total noninterest income
  • $1,374Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,374Total noninterest expense
  • $4,088Salaries and employee benefits
  • $2,158Premises and equipment expense
  • $757Additional noninterest expense
  • $1,173Pre-tax net operating income
  • $1,650Securities gains (losses)
  • $239Applicable income taxes
  • $814Income before extraordinary items
  • $1,075Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,075Net charge-offs
  • $268Cash dividends
  • $237Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.56%Cost of funding earning assets
  • 4.39%Net interest margin
  • 4.18%Noninterest income to earning assets
  • 1.20%Noninterest expense to earning assets
  • 3.57%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 1.46%Return on equity (ROE)
  • 9.77%Retained earnings to average equity (YTD only)
  • 7.62%Net charge-offs to loans
  • 0.31%Credit loss provision to net charge-offs
  • 156.34%Efficiency ratio
  • 64,642Assets per employee
  • 1.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.05%Loss allowance to loans
  • 0.87%Loss allowance to noncurrent loans
  • 88.10%Noncurrent assets plus other real estate owned to assets
  • 0.71%Noncurrent loans to loans
  • 0.99%Net loans and leases to deposits
  • 78.63%Net loans and leases to core deposits
  • 92.74%Equity capital to assets
  • 8.95%Core capital (leverage) ratio
  • 9.00%Tier 1 risk-based capital ratio
  • 13.72%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $129,256Average earning assets
  • $11,002Average equity
  • $114,493Average loans

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