State Bank of Arcadia in Arcadia, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Arcadia - Overview

  • General
  • FDIC Certificate #: 14994
    Status: Active
    Federal Reserve ID: 380654
    Bank Holding Company (Regulatory Top Holder): B & E Investments, Inc. (State Bank Of Arcadia) Employee Stock Ownership Plan & Trust (RSSDID: 2264020, Location: Arcadia, WI)
    Date Established: May 14, 1913
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10844
    FDIC's unique #: 9397
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural 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: 131 West Main Street, Arcadia, WI 54612
    County: Trempealeau
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    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: $122.3 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $112.0 mil
    Return on assets (ROA): 0.87% ($1.1 mil)
    Quarterly return on assets: 0.35% ($0.4 mil)
    Return on Equity (ROE): 10.32% ($1.0 mil)
    Quarterly return on equity: 4.20% ($0.4 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.89% ($1,088.7 mil)
    Quarterly Pretax return on assets: 0.40% ($489.3 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
  • 24Total employees (full-time equivalent)
  • $122,330Total assets
  • $29,209Cash and due from depository institutions
  • $25,902Interest-bearing balances
  • $25,905Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,582Net loans & leases
  • $663Loan loss allowance
  • $0Trading account assets
  • $1,436Bank premises and fixed assets
  • $159Other real estate owned
  • $0Goodwill and other intangibles
  • $122,331Life insurance assets
  • $1,039All other assets
  • $112,270Total liabilities and capital
  • $111,958Total liabilities
  • $96,498Total deposits
  • $111,958Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $312Subordinated debt
  • $10,061All other liabilities
  • $10,061Total equity capital
  • $10,061Total bank equity capital
  • $0Perpetual preferred stock
  • $360Common stock
  • $2,806Surplus
  • $6,895Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $87Income earned, not collected on loans
  • $0Earning assets
  • $368Long-term assets (5+ years)
  • $116,389Average Assets, year-to-date
  • $18,840Average Assets, quarterly
  • $115,028Volatile liabilities
  • $119,384Insider loans
  • $57,870FHLB advances
  • $118,674Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,044Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,764Restructured Loans and leases
  • $1,414Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,439Total interest income
  • $1,333Total interest expense
  • $3,106Net interest income
  • $34Provision for loan and lease losses
  • $171Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $98Additional noninterest income
  • $2,225Total noninterest expense
  • $1,294Salaries and employee benefits
  • $309Premises and equipment expense
  • $622Additional noninterest expense
  • $1,018Pre-tax net operating income
  • $0Securities gains (losses)
  • $15Applicable income taxes
  • $1,003Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,003Net income attributable to bank
  • $0Net charge-offs
  • $1,003Cash dividends
  • -$28Sale, conversion, retirement of capital stock, net
  • $350Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.05%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 2.83%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 2.03%Noninterest expense to earning assets
  • 0.87%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 10.32%Return on equity (ROE)
  • 6.72%Retained earnings to average equity (YTD only)
  • -0.04%Net charge-offs to loans
  • -121.43%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 67,897Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.90%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 762.07%Noncurrent assets plus other real estate owned to assets
  • 0.20%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 57.68%Net loans and leases to core deposits
  • 60.43%Equity capital to assets
  • 8.22%Core capital (leverage) ratio
  • 8.46%Tier 1 risk-based capital ratio
  • 17.36%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $115,028Average earning assets
  • $9,720Average equity
  • $109,591Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09397State Bank Of Arcadia131 West Main Street, Arcadia, WI 54612May 14, 1913Full Service Brick and Mortar
    2423268East Main Street Branch1550 East Main Street, Arcadia, WI 54612October 06, 2003Full Service Brick and Mortar
    3525919Independence Branch (Cedar Street)23513 Cedar Street, Independence, WI 54747September 06, 2011Full Service Brick and Mortar

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