River Valley Bank in Wausau, Wisconsin (WI), MI
Overview, Financial Summary, Detailed Financial Reports, Branches


  • River Valley Bank in Wausau, Wisconsin (WI), MI
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River Valley Bank - Overview

  • General
  • FDIC Certificate #: 19772
    Status: Active
    Federal Reserve ID: 163549
    Bank Holding Company (Regulatory Top Holder): River Valley Bancorporation, Inc. (RSSDID: 1209426, Location: Wausau, WI)
    Date Established: December 08, 1967
    WWW: http://www.rivervalleybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: Yes)
    OTS Docket #: 12705
    FDIC's unique #: 13566
    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: December 08, 1967
    Last Structure Change Effective Date: November 01, 2007
    Last Structure Change Process Date: November 20, 2007
    Last Data Update: November 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 327 North 17th Avenue, Wausau, WI 54401
    County: Marathon
    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
    Metropolitan Statistical Area (MSA): Wausau, WI (#8940)
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Wausau, WI (#48140)
    CBSA Metro Statistical Area: Wausau, WI (#48140)
  • History of Changes
  • Corrections
    Name Change
  • Financial Summary
  • Total assets: $984.4 mil
    Equity capital: $108.7 mil
    Deposits held in domestic offices: $839.5 mil
    Return on assets (ROA): 0.41% ($4.0 mil)
    Quarterly return on assets: 0.03% ($0.3 mil)
    Return on Equity (ROE): 3.72% ($4.1 mil)
    Quarterly return on equity: 0.25% ($0.3 mil)
    Net income: $4.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.41% ($4,036.2 mil)
    Quarterly Pretax return on assets: 0.02% ($196.9 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
  • 258Total employees (full-time equivalent)
  • $984,440Total assets
  • $18,620Cash and due from depository institutions
  • $224Interest-bearing balances
  • $125,313Securities
  • $18,221Federal funds sold & reverse repurchase agreements
  • $744,669Net loans & leases
  • $10,128Loan loss allowance
  • $0Trading account assets
  • $7,653Bank premises and fixed assets
  • $24,373Other real estate owned
  • $18,007Goodwill and other intangibles
  • $984,440Life insurance assets
  • $27,584All other assets
  • $875,773Total liabilities and capital
  • $839,450Total liabilities
  • $730,943Total deposits
  • $839,450Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 10000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $6,323Subordinated debt
  • $108,667All other liabilities
  • $108,667Total equity capital
  • $108,667Total bank equity capital
  • $0Perpetual preferred stock
  • $316Common stock
  • $55,589Surplus
  • $52,762Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $16,534Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,135Income earned, not collected on loans
  • $1,348Earning assets
  • $3,214Long-term assets (5+ years)
  • $888,427Average Assets, year-to-date
  • $186,772Average Assets, quarterly
  • $968,057Volatile liabilities
  • $987,428Insider loans
  • $766,691FHLB advances
  • $962,557Loans and leases held for sale
  • $17,706Unused loan commitments
  • $6,104Tier 1 (core) risk-based capital
  • $89,419Tier 2 risk-based capital
  • $5,663Total risk weighted assets
  • $5,939Total unused commitments
  • $131,726Restructured Loans and leases
  • $358Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $47,349Total interest income
  • $8,820Total interest expense
  • $38,529Net interest income
  • $11,339Provision for loan and lease losses
  • $10,472Total noninterest income
  • $0Fiduciary activities
  • $3,084Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,388Additional noninterest income
  • $33,957Total noninterest expense
  • $17,804Salaries and employee benefits
  • $6,552Premises and equipment expense
  • $9,601Additional noninterest expense
  • $3,705Pre-tax net operating income
  • $257Securities gains (losses)
  • -$46Applicable income taxes
  • $4,008Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,008Net income attributable to bank
  • $0Net charge-offs
  • $4,008Cash dividends
  • $15,572Sale, conversion, retirement of capital stock, net
  • $3,250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.37%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.37%Net interest margin
  • 1.19%Noninterest income to earning assets
  • 3.85%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.72%Return on equity (ROE)
  • 0.70%Retained earnings to average equity (YTD only)
  • 2.06%Net charge-offs to loans
  • 72.82%Credit loss provision to net charge-offs
  • 0.97%Efficiency ratio
  • 68,705Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 81.09%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 71.65%Noncurrent assets plus other real estate owned to assets
  • 4.21%Noncurrent loans to loans
  • 1.87%Net loans and leases to deposits
  • 88.71%Net loans and leases to core deposits
  • 93.36%Equity capital to assets
  • 11.04%Core capital (leverage) ratio
  • 9.29%Tier 1 risk-based capital ratio
  • 11.66%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $968,057Average earning assets
  • $107,734Average equity
  • $881,723Average loans

List of branches

  • 6 Michigan Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    10207073Marquette North Branch1101 North Third Street, Marquette, MI 49855December 09, 1968Full Service Brick and Mortar
    11207072Marquette West Branch1140 West Washington Street, Marquette, MI 49855August 29, 1966Full Service Brick and Mortar
    13738Iron Mountain Branch101 West B Street, Iron Mountain, MI 49801January 01, 1892Full Service Brick and Mortar
    143381Ironwood Branch200 South Suffolk Street, Ironwood, MI 49938August 24, 1909Full Service Brick and Mortar
    15226642Houghton Branch19795 West Sharon Avenue, Houghton, MI 49931June 05, 1978Full Service Brick and Mortar
    17455246Calumet Branch56600 Us Highway 41, Calumet, MI 49913September 25, 2006Full Service Brick and Mortar
  • 13 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013566River Valley Bank327 North 17th Avenue, Wausau, WI 54401December 08, 1967Full Service Brick and Mortar
    1249471Weston Branch4107 Barbican Avenue, Wausau, WI 54401March 03, 1975Full Service Brick and Mortar
    2249472Merrill Branch3210 East Main Street, Merrill, WI 54452May 16, 1988Full Service Brick and Mortar
    3249473Mosinee Branch850 State Road, Highway 153, Mosinee, WI 54455May 20, 1991Full Service Brick and Mortar
    4249474Merrill West Side Office300 E First St, Merrill, WI 54452April 02, 1997Full Service Retail
    5249475Tomahawk Office1218 N 4th St, Tomahawk, WI 54487June 11, 1997Full Service Brick and Mortar
    6249476Minocqua Office8588 Hwy 51 North, Minocqua, WI 54548June 29, 1998Full Service Brick and Mortar
    7360699Eagle River Branch141 South Willow Street, Eagle River, WI 54521July 25, 2001Full Service Brick and Mortar
    8423062Wausau Branch101 Scott Street, Suite A, Wausau, WI 54403October 16, 2003Full Service Brick and Mortar
    16447432Rothschild Branch1130 East Grand Avenue, Rothschild, WI 54474January 19, 2006Full Service Brick and Mortar
    18490680De Pere Lpo432 North Wisconsin Street, De Pere, WI 54115May 07, 2009Limited Service Loan Production
    19510139Sheboygan Loan Production Office728 Pennsylvania Avenue, Suite 210, Sheboygan, WI 53081June 21, 2010Limited Service Loan Production
    20512434Internet Branch327 N 17th Avenue, Wausau, WI 54401June 30, 2010Full Service Cyber

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