The Baraboo National Bank in Baraboo, Wisconsin (WI)



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The Baraboo National Bank routing number info

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The Baraboo National Bank
GeneralFDIC Certificate #: 12788
Status: Active
Federal Reserve ID: 24949
Bank Holding Company (Regulatory Top Holder): Baraboo Bancorporation, Inc., The (RSSDID: 1209248, Location: Baraboo, WI)
Date Established: July 01, 1857
WWW: http://www.baraboonational.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 16 (Domestic: 16, Interstate: No)
OTS Docket #: 12050
FDIC's unique #: 8101
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 07, 2009
Last Structure Change Process Date: March 26, 2009
Last Data Update: March 26, 2009
Data Source Date: April 05, 2012
LocationAddress: 101 Third Avenue, Baraboo, WI 53913
County: Sauk
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
Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
Core Based Statistical Area (CBSA): Baraboo, WI (#12660)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $766.1 mil
Equity capital: $74.7 mil
Deposits held in domestic offices: $684.2 mil
Return on assets (ROA): 0.38% ($2.9 mil)
Quarterly return on assets: 0.27% ($2.1 mil)
Return on Equity (ROE): 3.97% ($3.0 mil)
Quarterly return on equity: 2.72% ($2.0 mil)
Net income: $2.9 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.49% ($3,753.7 mil)
Quarterly Pretax return on assets: 0.41% ($3,140.8 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)
Total employees (full-time equivalent)200
Total assets$766,052
Cash and due from depository institutions$136,622
Interest-bearing balances$118,163
Securities$46,427
Federal funds sold & reverse repurchase agreements$1,604
Net loans & leases$525,418
Loan loss allowance $9,484
Trading account assets$0
Bank premises and fixed assets$13,039
Other real estate owned$20,800
Goodwill and other intangibles$4,288
All other assets$17,854
Life insurance assets$766,052
Total liabilities and capital$691,381
Total liabilities$684,226
Total deposits$589,148
Interest-bearing deposits$684,226
Deposits held in domestic offices$93
% insured (estimated)1959.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$200
Other borrowed funds $0
Subordinated debt $4,996
All other liabilities $74,671
Total equity capital$74,671
Total bank equity capital$74,671
Perpetual preferred stock$0
Common stock$1,800
Surplus$33,223
Undivided profits $39,648
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $3,301
Income earned, not collected on loans $26,355
Earning assets $314
Long-term assets (5+ years) $2,273
Average Assets, year-to-date $691,612
Average Assets, quarterly $31,334
Volatile liabilities $773,059
Insider loans $763,567
FHLB advances $566,835
Loans and leases held for sale $758,476
Unused loan commitments $3,201
Tier 1 (core) risk-based capital $3,201
Tier 2 risk-based capital $71,062
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $88,085
Derivatives$4,866
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $30,789
Total interest expense $7,319
Net interest income $23,470
Provision for loan and lease losses $3,423
Total noninterest income $3,348
Fiduciary activities $241
Service charges on deposit accounts $1,622
Trading account gains & fees $0
Additional noninterest income $1,485
Total noninterest expense $19,589
Salaries and employee benefits $10,990
Premises and equipment expense $2,921
Additional noninterest expense $5,678
Pre-tax net operating income $3,806
Securities gains (losses) $0
Applicable income taxes $894
Income before extraordinary items $2,912
Extraordinary gains - net $0
Net income attributable to bank $2,912
Net charge-offs $0
Cash dividends $2,912
Sale, conversion, retirement of capital stock, net $5,357
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.40%
Cost of funding earning assets 1.05%
Net interest margin 3.35%
Noninterest income to earning assets 0.48%
Noninterest expense to earning assets 2.80%
Net operating income to assets 0.38%
Return on assets (ROA) 0.38%
Pretax return on assets 0.49%
Return on equity (ROE) 3.97%
Retained earnings to average equity (YTD only) 3.97%
Net charge-offs to loans 0.97%
Credit loss provision to net charge-offs 63.90%
Efficiency ratio1.35%
Assets per employee$72,679
Cash dividends to net income (YTD only)3.83%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.77%
Noncurrent assets plus other real estate owned to assets 35.99%
Noncurrent loans to loans 6.16%
Net loans and leases to deposits4.93%
Net loans and leases to core deposits 76.79%
Equity capital to assets 84.69%
Core capital (leverage) ratio 9.75%
Tier 1 risk-based capital ratio 9.37%
Total risk-based capital ratio 12.54%
Memoranda
Average assets$14
Average earning assets$773,059
Average equity $73,343
Average loans $699,720
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$69,619
Number of Accounts1
Personal trust and agency accounts$15,895
Employee benefit-defined contribution accounts$14,369
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$166
Investment management agency accounts$0
Other fiduciary accounts$1,360
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts48
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$53,724
Corporate trust and agency accounts$7,873
Other fiduciary accounts$40,781
Fiduciary accounts held in foreign offices$4,062
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16 Wisconsin Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08101The Baraboo National Bank101 Third Avenue, Baraboo, WI 53913July 01, 1857Full Service Brick and Mortar
1227880Paying And Receiving Station Branch113 Second Avenue, Baraboo, WI 53913September 17, 1973Limited Service Facility
3227881East Side Branch1120 Eighth Street, Baraboo, WI 53913May 22, 1986Limited Service Facility
4227882West Baraboo Branch400 West Pine Street, West Baraboo, WI 53913August 29, 1991Limited Service Facility
5227883Lake Delton Branch41 West Munroe Avenue, Lake Delton, WI 53940Febuary 17, 1992Full Service Brick and Mortar
6362220Southwest Branch920 Hwy 12, Baraboo, WI 53913March 23, 2001Full Service Retail
77165State Bank Of Wonewo/BranchMain Street, Wonewoc, WI 53968September 01, 1887Full Service Brick and Mortar
8431406Reedsburg Branch130 Viking Drive, Reedsburg, WI 53959June 30, 2004Full Service Brick and Mortar
9431407Portage Branch2830 New Pinery Road, Portage, WI 53901June 30, 2004Full Service Brick and Mortar
106889Northwoods State Bank/Branch1225 Lincoln Street, Rhinelander, WI 54501January 01, 1912Full Service Brick and Mortar
11418825Elcho Branch11224 North Dore Street, Elcho, WI 54428March 07, 2003Full Service Brick and Mortar
129518Green Lake State Bank Branch515 Hill Street, Green Lake, WI 54941July 02, 1902Full Service Brick and Mortar
13473977Fond Du Lac Branch1207 West Johnson Street, Fond Du Lac, WI 54935April 14, 2008Full Service Brick and Mortar
14480105Northwoods National Bank8760 North Ridgeway, Minocqua, WI 54548July 16, 2008Full Service Brick and Mortar
159720Viroqua BranchMain Street, Viroqua, WI 54665June 15, 1936Full Service Brick and Mortar
162338221230 North Main Street Branch1230 North Main Street, Viroqua, WI 54665October 24, 1991Full Service Retail
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