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

This bank is inactive as of March 07, 2009

  • The State Bank of Viroqua in Viroqua, Wisconsin (WI)
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The State Bank of Viroqua - Overview

  • General
  • 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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