Richland County Bank in Richland Center, Wisconsin (WI)

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Richland County Bank routing number info

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Richland County Bank
GeneralFDIC Certificate #: 15092
Status: Active
Federal Reserve ID: 331544
Bank Holding Company (Regulatory Top Holder): Richland County Bancshares, Inc. (RSSDID: 2737971, Location: Richland Center, WI)
Date Established: January 01, 1881
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 #: 9469
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 12, 1935
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
LocationAddress: 196 West Court Street, Richland Center, WI 53581
County: Richland
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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $108.5 mil
Equity capital: $22.0 mil
Deposits held in domestic offices: $85.7 mil
Return on assets (ROA): 0.78% ($0.9 mil)
Quarterly return on assets: 0.73% ($0.8 mil)
Return on Equity (ROE): 3.81% ($0.8 mil)
Quarterly return on equity: 3.52% ($0.8 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.12% ($1,215.6 mil)
Quarterly Pretax return on assets: 0.97% ($1,052.8 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)
Total employees (full-time equivalent)28
Total assets$108,536
Cash and due from depository institutions$11,809
Interest-bearing balances$2,928
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$45,551
Loan loss allowance $787
Trading account assets$0
Bank premises and fixed assets$2,459
Other real estate owned$333
Goodwill and other intangibles$0
All other assets$721
Life insurance assets$108,536
Total liabilities and capital$86,514
Total liabilities$85,671
Total deposits$73,302
Interest-bearing deposits$85,671
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $843
All other liabilities $22,022
Total equity capital$22,022
Total bank equity capital$22,022
Perpetual preferred stock$0
Common stock$1,500
Undivided profits $14,522
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $631
Earning assets $0
Long-term assets (5+ years) $418
Average Assets, year-to-date $96,142
Average Assets, quarterly $24,031
Volatile liabilities $105,971
Insider loans $106,935
FHLB advances $50,344
Loans and leases held for sale $108,451
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $21,448
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,794
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,086
Total interest expense $873
Net interest income $3,213
Provision for loan and lease losses $100
Total noninterest income $557
Fiduciary activities $0
Service charges on deposit accounts $225
Trading account gains & fees $0
Additional noninterest income $332
Total noninterest expense $2,481
Salaries and employee benefits $1,357
Premises and equipment expense $301
Additional noninterest expense $823
Pre-tax net operating income $1,189
Securities gains (losses) $0
Applicable income taxes $358
Income before extraordinary items $831
Extraordinary gains - net $0
Net income attributable to bank $831
Net charge-offs $0
Cash dividends $831
Sale, conversion, retirement of capital stock, net $18
Net operating income $403
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.27%
Cost of funding earning assets 0.91%
Net interest margin 3.35%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 2.59%
Net operating income to assets 0.78%
Return on assets (ROA) 0.78%
Pretax return on assets 1.12%
Return on equity (ROE) 3.81%
Retained earnings to average equity (YTD only) 1.96%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 555.56%
Efficiency ratio71.61%
Assets per employee$65,809
Cash dividends to net income (YTD only)3.88%
Condition Ratios (%)
Loss allowance to loans 48.50%
Loss allowance to noncurrent loans 1.70%
Noncurrent assets plus other real estate owned to assets 124.72%
Noncurrent loans to loans 0.89%
Net loans and leases to deposits1.36%
Net loans and leases to core deposits 53.17%
Equity capital to assets 54.07%
Core capital (leverage) ratio 20.29%
Tier 1 risk-based capital ratio 19.78%
Total risk-based capital ratio 42.60%
Average assets$44
Average earning assets$105,971
Average equity $21,787
Average loans $95,800
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1 Wisconsin Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09469Richland County Bank196 West Court Street, Richland Center, WI 53581January 01, 1881Full Service Brick and Mortar
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