FDIC Certificate #: 15403 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Baraboo National Bank (#12788) Federal Reserve ID: 78643 Date Established: June 15, 1936 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) FDIC's unique #: 9720 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: August 13, 1936 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: Main Street, Viroqua, WI 54665 County: Vernon 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
Financial Summary
Total assets: $76.3 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2008)
Dollar figures in thousands
21Total employees (full-time equivalent)
$76,322Total assets
$1,106Cash and due from depository institutions
$28Interest-bearing balances
$6,245Securities
$3,640Federal funds sold & reverse repurchase agreements
$62,723Net loans & leases
$693Loan loss allowance
$0Trading account assets
$1,481Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,127All other assets
$76,322Total liabilities and capital
$69,272Total liabilities
$68,041Total deposits
$60,225Interest-bearing deposits
$68,041Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,000Other borrowed funds
$0Subordinated debt
$231All other liabilities
$7,050Total equity capital
$7,050Total bank equity capital
$7,050Perpetual preferred stock
$0Common stock
$400Surplus
$3,600Undivided profits
Memoranda
$3,050Noncurrent loans and leases
$9,483Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4,561Earning assets
$0Long-term assets (5+ years)
$351Average Assets, year-to-date
$72,636Average Assets, quarterly
$1,293Volatile liabilities
$79,554Insider loans
$76,790FHLB advances
$8,580Loans and leases held for sale
$1,479Unused loan commitments
$1,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$9,483Total unused commitments
$0Restructured Loans and leases
$693Derivatives
Income and Expense (December 31, 2008)
Dollar figures in thousands
$4,703Total interest income
$1,910Total interest expense
$2,793Net interest income
$175Provision for loan and lease losses
$442Total noninterest income
$0Fiduciary activities
$193Service charges on deposit accounts
$0Trading account gains & fees
$249Additional noninterest income
$1,907Total noninterest expense
$1,033Salaries and employee benefits
$342Premises and equipment expense
$532Additional noninterest expense
$1,153Pre-tax net operating income
$0Securities gains (losses)
$345Applicable income taxes
$808Income before extraordinary items
$0Extraordinary gains - net
$808Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$243Sale, conversion, retirement of capital stock, net
$1,190Net operating income
Performance and Condition Ratios (December 31, 2008)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.24%Yield on earning assets
2.53%Cost of funding earning assets
3.71%Net interest margin
0.59%Noninterest income to earning assets
2.53%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.45%Pretax return on assets
11.14%Return on equity (ROE)
-5.27%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
72.02%Credit loss provision to net charge-offs
5.47%Efficiency ratio
58,949Assets per employee
3.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
147.28%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
15.19%Noncurrent assets plus other real estate owned to assets
5.98%Noncurrent loans to loans
7.19%Net loans and leases to deposits
92.18%Net loans and leases to core deposits
103.74%Equity capital to assets
9.24%Core capital (leverage) ratio
9.18%Tier 1 risk-based capital ratio
11.12%Total risk-based capital ratio
Memoranda
$12Average assets
$79,554Average earning assets
$7,252Average equity
$75,378Average loans
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