State Bank Financial in La Crosse, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches

  • State Bank Financial in La Crosse, Wisconsin (WI), MN
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State Bank Financial - Overview

  • General
  • FDIC Certificate #: 10383
    Status: Active
    Federal Reserve ID: 2631172
    Bank Holding Company (Regulatory Top Holder): First Bancorporation, Inc. (RSSDID: 1842935, Location: La Crosse, WI)
    Date Established: July 26, 1858
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: Yes)
    OTS Docket #: 12546
    FDIC's unique #: 6654
    Numeric code: 13
    Regulator: FED
    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: April 13, 2007
    Last Structure Change Process Date: January 03, 2008
    Last Data Update: January 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 401 Main Street, La Crosse, WI 54601
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $332.1 mil
    Equity capital: $36.0 mil
    Deposits held in domestic offices: $260.4 mil
    Return on assets (ROA): 1.05% ($3.5 mil)
    Quarterly return on assets: 0.83% ($2.8 mil)
    Return on Equity (ROE): 9.48% ($3.4 mil)
    Quarterly return on equity: 7.42% ($2.7 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.06% ($3,520.6 mil)
    Quarterly Pretax return on assets: 0.84% ($2,789.9 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
  • 88Total employees (full-time equivalent)
  • $332,130Total assets
  • $52,453Cash and due from depository institutions
  • $42,351Interest-bearing balances
  • $81,488Securities
  • $54Federal funds sold & reverse repurchase agreements
  • $176,006Net loans & leases
  • $4,599Loan loss allowance
  • $0Trading account assets
  • $4,653Bank premises and fixed assets
  • $821Other real estate owned
  • $2,888Goodwill and other intangibles
  • $332,130Life insurance assets
  • $13,767All other assets
  • $296,125Total liabilities and capital
  • $260,393Total liabilities
  • $203,168Total deposits
  • $260,393Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 27398.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,748Trading liabilities
  • $0Other borrowed funds
  • $2,586Subordinated debt
  • $36,005All other liabilities
  • $36,005Total equity capital
  • $36,005Total bank equity capital
  • $0Perpetual preferred stock
  • $327Common stock
  • $24,183Surplus
  • $11,495Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $708Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,531Income earned, not collected on loans
  • $225Earning assets
  • $1,076Long-term assets (5+ years)
  • $299,899Average Assets, year-to-date
  • $57,653Average Assets, quarterly
  • $314,547Volatile liabilities
  • $323,665Insider loans
  • $197,259FHLB advances
  • $311,456Loans and leases held for sale
  • $7,797Unused loan commitments
  • $7,797Tier 1 (core) risk-based capital
  • $29,891Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $32,161Restructured Loans and leases
  • $6,698Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,444Total interest income
  • $1,876Total interest expense
  • $10,568Net interest income
  • $0Provision for loan and lease losses
  • $2,430Total noninterest income
  • $0Fiduciary activities
  • $938Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,492Additional noninterest income
  • $9,676Total noninterest expense
  • $5,606Salaries and employee benefits
  • $1,189Premises and equipment expense
  • $2,881Additional noninterest expense
  • $3,322Pre-tax net operating income
  • $0Securities gains (losses)
  • $20Applicable income taxes
  • $3,302Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,302Net income attributable to bank
  • $0Net charge-offs
  • $3,302Cash dividends
  • $817Sale, conversion, retirement of capital stock, net
  • $1,625Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 9.48%Return on equity (ROE)
  • 4.81%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 4.07%Efficiency ratio
  • 74,204Assets per employee
  • 3.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.21%Loss allowance to loans
  • 2.55%Loss allowance to noncurrent loans
  • 300.39%Noncurrent assets plus other real estate owned to assets
  • 0.83%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 67.59%Net loans and leases to core deposits
  • 77.13%Equity capital to assets
  • 10.84%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 15.15%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $314,547Average earning assets
  • $34,837Average equity
  • $281,311Average loans

List of branches

  • 1 Minnesota Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    77413La Crescent Branch109 South Walnut Street, La Crescent, MN 55947January 01, 1879Full Service Brick and Mortar
  • 6 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06654State Bank Financial401 Main Street, La Crosse, WI 54601July 26, 1858Full Service Brick and Mortar
    4225231Shelby Branch5501 Mormon Coulee Road, Shelby Township, WI 54601March 17, 1972Full Service Brick and Mortar
    5225232Drive-In/Walk-up FacilityFifth And State Streets, La Crosse, WI 54601November 21, 1978Limited Service Facility
    6225233Onalaska Branch1836 East Main Street, Onalaska, WI 54650November 17, 1990Full Service Brick and Mortar
    10446065Marshfield Branch124 North Central Avenue, Marshfield, WI 54449November 21, 2005Full Service Brick and Mortar
    11466122Sparta Branch203 West Wisconsin Street, Sparta, WI 54656April 13, 2007Full Service Brick and Mortar

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