River Bank in Stoddard, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


River Bank - Overview

  • General
  • FDIC Certificate #: 14995
    Status: Active
    Federal Reserve ID: 279842
    Bank Holding Company (Regulatory Top Holder): River Holding Company (RSSDID: 2486813, Location: Stoddard, WI)
    Date Established: October 11, 1911
    WWW: http://www.riverbank.biz
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 12843
    FDIC's unique #: 9398
    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: Yes
    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: 145 North Main Street, Stoddard, WI 54658
    County: Vernon
    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: $421.9 mil
    Equity capital: $47.2 mil
    Deposits held in domestic offices: $366.6 mil
    Return on assets (ROA): 2.04% ($8.6 mil)
    Quarterly return on assets: 1.44% ($6.1 mil)
    Return on Equity (ROE): 18.28% ($8.6 mil)
    Quarterly return on equity: 12.78% ($6.0 mil)
    Net income: $8.2 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 2.04% ($8,606.5 mil)
    Quarterly Pretax return on assets: 1.44% ($6,075.2 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
  • 77Total employees (full-time equivalent)
  • $421,886Total assets
  • $5,959Cash and due from depository institutions
  • $394Interest-bearing balances
  • $31,750Securities
  • $47,858Federal funds sold & reverse repurchase agreements
  • $321,069Net loans & leases
  • $4,093Loan loss allowance
  • $0Trading account assets
  • $5,994Bank premises and fixed assets
  • $1,649Other real estate owned
  • $3,891Goodwill and other intangibles
  • $421,886Life insurance assets
  • $3,716All other assets
  • $374,667Total liabilities and capital
  • $366,564Total liabilities
  • $336,229Total deposits
  • $366,564Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 3244.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $859Subordinated debt
  • $47,219All other liabilities
  • $47,219Total equity capital
  • $47,219Total bank equity capital
  • $0Perpetual preferred stock
  • $650Common stock
  • $24,075Surplus
  • $22,494Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,797Income earned, not collected on loans
  • $0Earning assets
  • $1,475Long-term assets (5+ years)
  • $401,071Average Assets, year-to-date
  • $22,659Average Assets, quarterly
  • $404,795Volatile liabilities
  • $416,861Insider loans
  • $324,350FHLB advances
  • $413,233Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $42,015Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,093Restructured Loans and leases
  • $17,517Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,608Total interest income
  • $5,624Total interest expense
  • $14,984Net interest income
  • $665Provision for loan and lease losses
  • $449Total noninterest income
  • $0Fiduciary activities
  • $390Service charges on deposit accounts
  • $0Trading account gains & fees
  • $59Additional noninterest income
  • $6,526Total noninterest expense
  • $3,711Salaries and employee benefits
  • $771Premises and equipment expense
  • $2,044Additional noninterest expense
  • $8,242Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $8,242Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,242Net income attributable to bank
  • $0Net charge-offs
  • $8,242Cash dividends
  • $311Sale, conversion, retirement of capital stock, net
  • $4,200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.47%Cost of funding earning assets
  • 3.91%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 1.70%Noninterest expense to earning assets
  • 2.04%Net operating income to assets
  • 2.04%Return on assets (ROA)
  • 2.04%Pretax return on assets
  • 18.28%Return on equity (ROE)
  • 8.96%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 213.83%Credit loss provision to net charge-offs
  • 28.64%Efficiency ratio
  • 41,444Assets per employee
  • 5.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.96%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 107.80%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.17%Net loans and leases to deposits
  • 87.59%Net loans and leases to core deposits
  • 97.02%Equity capital to assets
  • 11.19%Core capital (leverage) ratio
  • 10.17%Tier 1 risk-based capital ratio
  • 12.95%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $404,795Average earning assets
  • $45,097Average equity
  • $383,575Average loans

List of branches

  • 11 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09398River Bank145 North Main Street, Stoddard, WI 54658October 11, 1911Full Service Brick and Mortar
    19197Ferryville Branch161 Main Street, Ferryville, WI 54628July 24, 1911Full Service Brick and Mortar
    28484De Soto Branch88 Crawford Street, De Soto, WI 54624January 26, 1904Full Service Brick and Mortar
    3232714La Crosse Branch4401 Mormon Coulee Road, La Crosse, WI 54601September 01, 1993Full Service Brick and Mortar
    4232715Holmen Branch4000 Corporate Drive, Holmen, WI 54636November 11, 1996Full Service Brick and Mortar
    5232716Sparta Branch900 Maple Avenue, Sparta, WI 54656November 08, 1999Full Service Brick and Mortar
    6428172La Crosse Branch1232 Rose Street, La Crosse, WI 54603May 03, 2004Full Service Brick and Mortar
    78666Farmers State Bank/Branch1606 Commercial, Bangor, WI 54614July 05, 1910Full Service Brick and Mortar
    9423229West Salem BranchW 3995 Country Highway M, West Salem, WI 54669July 07, 2003Full Service Brick and Mortar
    10470113Westby Branch101 Stenslien Street, Westby, WI 54667December 28, 2007Full Service Brick and Mortar
    11513460Coon Valley Branch300 Central Avenue, Coon Valley, WI 54623October 22, 2010Full Service Brick and Mortar

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