Northwestern Bank in Chippewa Falls, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Northwestern Bank in Chippewa Falls, Wisconsin (WI)
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Northwestern Bank - Overview

  • General
  • FDIC Certificate #: 2468
    Status: Active
    Federal Reserve ID: 153054
    Bank Holding Company (Regulatory Top Holder): Nw Bancshares, Inc. (RSSDID: 1246542, Location: Chippewa Falls, WI)
    Date Established: January 01, 1904
    WWW: http://www.northwesternbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 1620
    Numeric code: 13
    Regulator: FED
    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: 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: 202 Bridge Street, Chippewa Falls, WI 54729
    County: Chippewa
    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
    Metropolitan Statistical Area (MSA): Eau Claire, WI (#2290)
    Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232)
    Core Based Statistical Area (CBSA): Eau Claire, WI (#20740)
    CBSA Metro Statistical Area: Eau Claire, WI (#20740)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $376.9 mil
    Equity capital: $42.7 mil
    Deposits held in domestic offices: $318.6 mil
    Return on assets (ROA): 1.04% ($3.9 mil)
    Quarterly return on assets: 0.97% ($3.7 mil)
    Return on Equity (ROE): 9.63% ($4.1 mil)
    Quarterly return on equity: 8.50% ($3.7 mil)
    Net income: $3.8 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.58% ($5,955.6 mil)
    Quarterly Pretax return on assets: 1.52% ($5,729.4 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
  • 74Total employees (full-time equivalent)
  • $376,937Total assets
  • $12,022Cash and due from depository institutions
  • $4,319Interest-bearing balances
  • $160,198Securities
  • $118Federal funds sold & reverse repurchase agreements
  • $191,807Net loans & leases
  • $4,217Loan loss allowance
  • $0Trading account assets
  • $1,639Bank premises and fixed assets
  • $2,993Other real estate owned
  • $0Goodwill and other intangibles
  • $376,937Life insurance assets
  • $8,160All other assets
  • $334,191Total liabilities and capital
  • $318,584Total liabilities
  • $264,772Total deposits
  • $318,584Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 132.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $475Subordinated debt
  • $42,746All other liabilities
  • $42,746Total equity capital
  • $42,746Total bank equity capital
  • $0Perpetual preferred stock
  • $3,792Common stock
  • $5,000Surplus
  • $33,954Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $288Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,431Income earned, not collected on loans
  • $0Earning assets
  • $2,082Long-term assets (5+ years)
  • $356,442Average Assets, year-to-date
  • $134,114Average Assets, quarterly
  • $365,409Volatile liabilities
  • $372,209Insider loans
  • $239,019FHLB advances
  • $367,791Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $36,091Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,723Restructured Loans and leases
  • $2,870Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,473Total interest income
  • $3,467Total interest expense
  • $14,006Net interest income
  • $700Provision for loan and lease losses
  • $1,166Total noninterest income
  • $0Fiduciary activities
  • $400Service charges on deposit accounts
  • $0Trading account gains & fees
  • $766Additional noninterest income
  • $8,686Total noninterest expense
  • $3,705Salaries and employee benefits
  • $708Premises and equipment expense
  • $4,273Additional noninterest expense
  • $5,786Pre-tax net operating income
  • $2Securities gains (losses)
  • $2,001Applicable income taxes
  • $3,787Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,787Net income attributable to bank
  • $0Net charge-offs
  • $3,787Cash dividends
  • $1,370Sale, conversion, retirement of capital stock, net
  • $501Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.53%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 9.63%Return on equity (ROE)
  • 8.35%Retained earnings to average equity (YTD only)
  • 0.67%Net charge-offs to loans
  • 51.09%Credit loss provision to net charge-offs
  • 4.73%Efficiency ratio
  • 57,250Assets per employee
  • 5.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 13.23%Loss allowance to loans
  • 2.15%Loss allowance to noncurrent loans
  • 65.57%Noncurrent assets plus other real estate owned to assets
  • 2.50%Noncurrent loans to loans
  • 3.28%Net loans and leases to deposits
  • 60.21%Net loans and leases to core deposits
  • 60.79%Equity capital to assets
  • 11.34%Core capital (leverage) ratio
  • 9.81%Tier 1 risk-based capital ratio
  • 15.10%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $365,409Average earning assets
  • $39,332Average equity
  • $343,623Average loans

List of branches

  • 7 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01620Northwestern Bank202 Bridge Street, Chippewa Falls, WI 54729January 01, 1904Full Service Brick and Mortar
    1192682Chippewa Drive-Up Branch20 East Central Street, Chippewa Falls, WI 54729September 10, 1962Limited Service Facility
    2192683Cornell Branch201 Main Street, Cornell, WI 54732October 11, 1935Full Service Brick and Mortar
    3192684Lafayette Branch5515 County Trunk J And X, Lafayette Township, WI 54729October 13, 1969Limited Service Facility
    4192685Thorp Branch111 North Washington Street, Thorp, WI 54771October 16, 1989Full Service Brick and Mortar
    59544Boyd Branch803 East Murray Street, Boyd, WI 54726Febuary 10, 1903Full Service Brick and Mortar
    6424621Eau Claire Branch2901 Mall Drive, Eau Claire, WI 54701November 10, 2003Full Service Brick and Mortar

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