Richland County Bank in Richland Center, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Richland County Bank in Richland Center, Wisconsin (WI)
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Richland County Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 28Total employees (full-time equivalent)
  • $108,536Total assets
  • $11,809Cash and due from depository institutions
  • $2,928Interest-bearing balances
  • $47,663Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $45,551Net loans & leases
  • $787Loan loss allowance
  • $0Trading account assets
  • $2,459Bank premises and fixed assets
  • $333Other real estate owned
  • $0Goodwill and other intangibles
  • $108,536Life insurance assets
  • $721All other assets
  • $86,514Total liabilities and capital
  • $85,671Total liabilities
  • $73,302Total deposits
  • $85,671Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $843Subordinated debt
  • $22,022All other liabilities
  • $22,022Total equity capital
  • $22,022Total bank equity capital
  • $0Perpetual preferred stock
  • $1,500Common stock
  • $6,000Surplus
  • $14,522Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $631Income earned, not collected on loans
  • $0Earning assets
  • $418Long-term assets (5+ years)
  • $96,142Average Assets, year-to-date
  • $24,031Average Assets, quarterly
  • $105,971Volatile liabilities
  • $106,935Insider loans
  • $50,344FHLB advances
  • $108,451Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $21,448Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,794Restructured Loans and leases
  • $123Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,086Total interest income
  • $873Total interest expense
  • $3,213Net interest income
  • $100Provision for loan and lease losses
  • $557Total noninterest income
  • $0Fiduciary activities
  • $225Service charges on deposit accounts
  • $0Trading account gains & fees
  • $332Additional noninterest income
  • $2,481Total noninterest expense
  • $1,357Salaries and employee benefits
  • $301Premises and equipment expense
  • $823Additional noninterest expense
  • $1,189Pre-tax net operating income
  • $0Securities gains (losses)
  • $358Applicable income taxes
  • $831Income before extraordinary items
  • $0Extraordinary gains - net
  • $831Net income attributable to bank
  • $0Net charge-offs
  • $831Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $403Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.59%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 3.81%Return on equity (ROE)
  • 1.96%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 555.56%Credit loss provision to net charge-offs
  • 71.61%Efficiency ratio
  • 65,809Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.50%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 124.72%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 53.17%Net loans and leases to core deposits
  • 54.07%Equity capital to assets
  • 20.29%Core capital (leverage) ratio
  • 19.78%Tier 1 risk-based capital ratio
  • 42.60%Total risk-based capital ratio
  • Memoranda
  • $44Average assets
  • $105,971Average earning assets
  • $21,787Average equity
  • $95,800Average loans

List of branches

  • 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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