The Baraboo National Bank in Baraboo, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Baraboo National Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 200Total employees (full-time equivalent)
  • $766,052Total assets
  • $136,622Cash and due from depository institutions
  • $118,163Interest-bearing balances
  • $46,427Securities
  • $1,604Federal funds sold & reverse repurchase agreements
  • $525,418Net loans & leases
  • $9,484Loan loss allowance
  • $0Trading account assets
  • $13,039Bank premises and fixed assets
  • $20,800Other real estate owned
  • $4,288Goodwill and other intangibles
  • $766,052Life insurance assets
  • $17,854All other assets
  • $691,381Total liabilities and capital
  • $684,226Total liabilities
  • $589,148Total deposits
  • $684,226Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 1959.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $200Trading liabilities
  • $0Other borrowed funds
  • $4,996Subordinated debt
  • $74,671All other liabilities
  • $74,671Total equity capital
  • $74,671Total bank equity capital
  • $0Perpetual preferred stock
  • $1,800Common stock
  • $33,223Surplus
  • $39,648Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,301Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $26,355Income earned, not collected on loans
  • $314Earning assets
  • $2,273Long-term assets (5+ years)
  • $691,612Average Assets, year-to-date
  • $31,334Average Assets, quarterly
  • $773,059Volatile liabilities
  • $763,567Insider loans
  • $566,835FHLB advances
  • $758,476Loans and leases held for sale
  • $3,201Unused loan commitments
  • $3,201Tier 1 (core) risk-based capital
  • $71,062Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $88,085Restructured Loans and leases
  • $4,866Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $30,789Total interest income
  • $7,319Total interest expense
  • $23,470Net interest income
  • $3,423Provision for loan and lease losses
  • $3,348Total noninterest income
  • $241Fiduciary activities
  • $1,622Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,485Additional noninterest income
  • $19,589Total noninterest expense
  • $10,990Salaries and employee benefits
  • $2,921Premises and equipment expense
  • $5,678Additional noninterest expense
  • $3,806Pre-tax net operating income
  • $0Securities gains (losses)
  • $894Applicable income taxes
  • $2,912Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,912Net income attributable to bank
  • $0Net charge-offs
  • $2,912Cash dividends
  • $5,357Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.49%Pretax return on assets
  • 3.97%Return on equity (ROE)
  • 3.97%Retained earnings to average equity (YTD only)
  • 0.97%Net charge-offs to loans
  • 63.90%Credit loss provision to net charge-offs
  • 1.35%Efficiency ratio
  • 72,679Assets per employee
  • 3.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.77%Loss allowance to noncurrent loans
  • 35.99%Noncurrent assets plus other real estate owned to assets
  • 6.16%Noncurrent loans to loans
  • 4.93%Net loans and leases to deposits
  • 76.79%Net loans and leases to core deposits
  • 84.69%Equity capital to assets
  • 9.75%Core capital (leverage) ratio
  • 9.37%Tier 1 risk-based capital ratio
  • 12.54%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $773,059Average earning assets
  • $73,343Average equity
  • $699,720Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $69,619Managed Assets
  • 1Number of Accounts
  • $15,895Personal trust and agency accounts
  • $14,369Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $166Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $1,360Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 48Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $53,724Other retirement accounts
  • $7,873Corporate trust and agency accounts
  • $40,781Other fiduciary accounts
  • $4,062Fiduciary accounts held in foreign offices

List of branches

  • 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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