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


Superior Bank - Overview

  • General
  • FDIC Certificate #: 6192
    Status: Active
    Federal Reserve ID: 960159
    Bank Holding Company (Regulatory Top Holder): Superior National Banc Holding Company (RSSDID: 3058712, Location: Superior, WI)
    Date Established: August 02, 1897
    WWW: http://www.sbwi.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 16118
    FDIC's unique #: 4173
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 01, 2011
    Last Structure Change Process Date: March 06, 2012
    Last Data Update: March 06, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 2820 East 2nd Street, Superior, WI 54880
    County: Douglas
    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
    Metropolitan Statistical Area (MSA): Duluth-Superior, MN-WI (#2240)
    Core Based Statistical Area (CBSA): Duluth, MN-WI (#20260)
    CBSA Metro Statistical Area: Duluth, MN-WI (#20260)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $33.9 mil
    Equity capital: $4.2 mil
    Deposits held in domestic offices: $27.6 mil
    Return on assets (ROA): 0.10% ($0.0 mil)
    Quarterly return on assets: -0.98% (-$0.3 mil)
    Return on Equity (ROE): 0.83% ($0.0 mil)
    Quarterly return on equity: -7.71% (-$0.3 mil)
    Net income: $0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.10% ($33.9 mil)
    Quarterly Pretax return on assets: -0.98% (-$331.9 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
  • 10Total employees (full-time equivalent)
  • $33,870Total assets
  • $2,763Cash and due from depository institutions
  • $65Interest-bearing balances
  • $12,161Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $17,725Net loans & leases
  • $293Loan loss allowance
  • $0Trading account assets
  • $474Bank premises and fixed assets
  • $171Other real estate owned
  • $0Goodwill and other intangibles
  • $33,870Life insurance assets
  • $576All other assets
  • $29,667Total liabilities and capital
  • $27,629Total liabilities
  • $22,437Total deposits
  • $27,629Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $38Subordinated debt
  • $4,203All other liabilities
  • $4,203Total equity capital
  • $4,203Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $200Surplus
  • $3,903Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44Income earned, not collected on loans
  • $0Earning assets
  • $95Long-term assets (5+ years)
  • $29,951Average Assets, year-to-date
  • $1,043Average Assets, quarterly
  • $33,450Volatile liabilities
  • $33,569Insider loans
  • $15,556FHLB advances
  • $34,305Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,127Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $647Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,346Total interest income
  • $276Total interest expense
  • $1,070Net interest income
  • $0Provision for loan and lease losses
  • $75Total noninterest income
  • $0Fiduciary activities
  • $55Service charges on deposit accounts
  • $0Trading account gains & fees
  • $20Additional noninterest income
  • $1,110Total noninterest expense
  • $654Salaries and employee benefits
  • $79Premises and equipment expense
  • $377Additional noninterest expense
  • $35Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $35Income before extraordinary items
  • $0Extraordinary gains - net
  • $35Net income attributable to bank
  • $0Net charge-offs
  • $35Cash dividends
  • $55Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 4.01%Noninterest expense to earning assets
  • 0.10%Net operating income to assets
  • 0.10%Return on assets (ROA)
  • 0.10%Pretax return on assets
  • 0.83%Return on equity (ROE)
  • 0.83%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.64%Efficiency ratio
  • 96,943Assets per employee
  • 3.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 665.91%Noncurrent assets plus other real estate owned to assets
  • 0.63%Noncurrent loans to loans
  • 0.24%Net loans and leases to deposits
  • 64.15%Net loans and leases to core deposits
  • 69.58%Equity capital to assets
  • 12.41%Core capital (leverage) ratio
  • 12.03%Tier 1 risk-based capital ratio
  • 26.53%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $33,450Average earning assets
  • $4,210Average equity
  • $27,705Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04173Superior Bank2820 East 2nd Street, Superior, WI 54880August 02, 1897Full Service Brick and Mortar

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