Northwoods State Bank in Rhinelander, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 11, 2005

  • Northwoods State Bank in Rhinelander, Wisconsin (WI)
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Northwoods State Bank - Overview

  • General
  • FDIC Certificate #: 10738
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Baraboo National Bank (#12788)
    Federal Reserve ID: 64646
    Date Established: January 01, 1912
    WWW: http://www.northwoodsstatebank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6889
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 11, 2005
    Last Structure Change Process Date: March 24, 2005
    Last Data Update: March 24, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 1225 Lincoln Street, Rhinelander, WI 54501
    County: Oneida
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $80.7 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, 2004)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $80,661Total assets
  • $2,993Cash and due from depository institutions
  • $7Interest-bearing balances
  • $514Securities
  • $7,029Federal funds sold & reverse repurchase agreements
  • $64,646Net loans & leases
  • $1,115Loan loss allowance
  • $0Trading account assets
  • $1,910Bank premises and fixed assets
  • $146Other real estate owned
  • $2,119Goodwill and other intangibles
  • $0Life insurance assets
  • $1,304All other assets
  • $80,661Total liabilities and capital
  • $71,608Total liabilities
  • $70,267Total deposits
  • $62,277Interest-bearing deposits
  • $70,267Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $1,000Other borrowed funds
  • $0Subordinated debt
  • $341All other liabilities
  • $9,053Total equity capital
  • $9,053Total bank equity capital
  • $9,053Perpetual preferred stock
  • $0Common stock
  • $50Surplus
  • $6,897Undivided profits
  • Memoranda
  • $2,106Noncurrent loans and leases
  • $6,528Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $573Earning assets
  • $0Long-term assets (5+ years)
  • $266Average Assets, year-to-date
  • $72,196Average Assets, quarterly
  • $3,718Volatile liabilities
  • $83,260Insider loans
  • $82,940FHLB advances
  • $14,178Loans and leases held for sale
  • $1,143Unused loan commitments
  • $1,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $581Total risk weighted assets
  • $6,528Total unused commitments
  • $0Restructured Loans and leases
  • $716Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $5,091Total interest income
  • $1,693Total interest expense
  • $3,398Net interest income
  • $328Provision for loan and lease losses
  • $341Total noninterest income
  • $0Fiduciary activities
  • $143Service charges on deposit accounts
  • $0Trading account gains & fees
  • $198Additional noninterest income
  • $1,860Total noninterest expense
  • $974Salaries and employee benefits
  • $218Premises and equipment expense
  • $668Additional noninterest expense
  • $1,551Pre-tax net operating income
  • $0Securities gains (losses)
  • $632Applicable income taxes
  • $919Income before extraordinary items
  • $0Extraordinary gains - net
  • $919Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $331Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.83%Yield on earning assets
  • 2.27%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.86%Pretax return on assets
  • 10.80%Return on equity (ROE)
  • 10.80%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 99.09%Credit loss provision to net charge-offs
  • 5.68%Efficiency ratio
  • 47,125Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 194.59%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 92.00%Net loans and leases to core deposits
  • 113.24%Equity capital to assets
  • 11.22%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 12.17%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $83,260Average earning assets
  • $8,512Average equity
  • $74,589Average loans

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