Park Bank in Holmen, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Park Bank - Overview

  • General
  • FDIC Certificate #: 13054
    Status: Active
    Federal Reserve ID: 518354
    Bank Holding Company (Regulatory Top Holder): Golden Oak Bancshares, Inc. (RSSDID: 4281197, Location: Sparta, WI)
    Date Established: January 01, 1909
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13185
    FDIC's unique #: 8251
    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: 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: 1200 Main Street, Holmen, WI 54636
    County: La Crosse
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): La Crosse, WI-MN (#3870)
    Core Based Statistical Area (CBSA): La Crosse, WI-MN (#29100)
    CBSA Metro Statistical Area: La Crosse, WI-MN (#29100)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $44.5 mil
    Equity capital: $6.7 mil
    Deposits held in domestic offices: $36.6 mil
    Return on assets (ROA): 1.06% ($0.5 mil)
    Quarterly return on assets: 0.18% ($0.1 mil)
    Return on Equity (ROE): 7.24% ($0.5 mil)
    Quarterly return on equity: 1.20% ($0.1 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 1.74% ($774.3 mil)
    Quarterly Pretax return on assets: 0.91% ($404.9 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
  • 23Total employees (full-time equivalent)
  • $44,499Total assets
  • $1,972Cash and due from depository institutions
  • $11Interest-bearing balances
  • $5,166Securities
  • $2,932Federal funds sold & reverse repurchase agreements
  • $31,274Net loans & leases
  • $484Loan loss allowance
  • $0Trading account assets
  • $2,416Bank premises and fixed assets
  • $87Other real estate owned
  • $0Goodwill and other intangibles
  • $44,499Life insurance assets
  • $652All other assets
  • $37,817Total liabilities and capital
  • $36,641Total liabilities
  • $28,901Total deposits
  • $36,641Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,176Subordinated debt
  • $6,682All other liabilities
  • $6,682Total equity capital
  • $6,682Total bank equity capital
  • $0Perpetual preferred stock
  • $334Common stock
  • $1,013Surplus
  • $5,335Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $263Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,495Income earned, not collected on loans
  • $1,454Earning assets
  • $300Long-term assets (5+ years)
  • $39,383Average Assets, year-to-date
  • $6,727Average Assets, quarterly
  • $44,295Volatile liabilities
  • $45,255Insider loans
  • $28,224FHLB advances
  • $45,057Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,682Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,266Restructured Loans and leases
  • $232Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,668Total interest income
  • $192Total interest expense
  • $2,476Net interest income
  • $250Provision for loan and lease losses
  • $1,545Total noninterest income
  • $0Fiduciary activities
  • $158Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,387Additional noninterest income
  • $3,000Total noninterest expense
  • $1,514Salaries and employee benefits
  • $414Premises and equipment expense
  • $1,072Additional noninterest expense
  • $771Pre-tax net operating income
  • $0Securities gains (losses)
  • $303Applicable income taxes
  • $468Income before extraordinary items
  • $0Extraordinary gains - net
  • $468Net income attributable to bank
  • $0Net charge-offs
  • $468Cash dividends
  • $296Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.77%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 6.29%Net interest margin
  • 3.92%Noninterest income to earning assets
  • 7.62%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.06%Return on assets (ROA)
  • 1.74%Pretax return on assets
  • 7.24%Return on equity (ROE)
  • 7.24%Retained earnings to average equity (YTD only)
  • 0.90%Net charge-offs to loans
  • 84.46%Credit loss provision to net charge-offs
  • 3.45%Efficiency ratio
  • 74,608Assets per employee
  • 1.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.52%Loss allowance to noncurrent loans
  • 32.37%Noncurrent assets plus other real estate owned to assets
  • 3.56%Noncurrent loans to loans
  • 4.71%Net loans and leases to deposits
  • 85.35%Net loans and leases to core deposits
  • 87.75%Equity capital to assets
  • 15.02%Core capital (leverage) ratio
  • 14.83%Tier 1 risk-based capital ratio
  • 23.67%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $44,295Average earning assets
  • $6,464Average equity
  • $39,386Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08251Park Bank1200 Main Street, Holmen, WI 54636January 01, 1909Full Service Brick and Mortar
    1228814La Crosse Branch700 State Street, La Crosse, WI 54602July 23, 1991Full Service Brick and Mortar
    2468163Sparta Branch145 North Water Street, Sparta, WI 54656September 04, 2007Full Service Brick and Mortar

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