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


Timberwood Bank - Overview

  • General
  • FDIC Certificate #: 15158
    Status: Active
    Federal Reserve ID: 962256
    Bank Holding Company (Regulatory Top Holder): Tomah Bancshares, Inc. (RSSDID: 3179961, Location: Tomah, WI)
    Date Established: August 01, 1907
    WWW: http://www.timberwoodbanks.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9527
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 13, 2007
    Last Structure Change Process Date: July 20, 2007
    Last Data Update: July 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 110 West Veterans Street, Tomah, WI 54660
    County: Monroe
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $175.0 mil
    Equity capital: $22.7 mil
    Deposits held in domestic offices: $138.3 mil
    Return on assets (ROA): 1.05% ($1.8 mil)
    Quarterly return on assets: 1.03% ($1.8 mil)
    Return on Equity (ROE): 8.24% ($1.9 mil)
    Quarterly return on equity: 7.96% ($1.8 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.56% ($2,730.6 mil)
    Quarterly Pretax return on assets: 1.48% ($2,590.6 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
  • 34Total employees (full-time equivalent)
  • $175,038Total assets
  • $8,218Cash and due from depository institutions
  • $6,050Interest-bearing balances
  • $33,986Securities
  • $507Federal funds sold & reverse repurchase agreements
  • $116,694Net loans & leases
  • $3,622Loan loss allowance
  • $0Trading account assets
  • $3,356Bank premises and fixed assets
  • $1,803Other real estate owned
  • $3,442Goodwill and other intangibles
  • $175,037Life insurance assets
  • $7,032All other assets
  • $152,328Total liabilities and capital
  • $138,318Total liabilities
  • $125,727Total deposits
  • $138,318Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 709.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,750Trading liabilities
  • $0Other borrowed funds
  • $551Subordinated debt
  • $22,709All other liabilities
  • $22,709Total equity capital
  • $22,709Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $21,651Surplus
  • $858Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,749Income earned, not collected on loans
  • $0Earning assets
  • $729Long-term assets (5+ years)
  • $157,237Average Assets, year-to-date
  • $32,464Average Assets, quarterly
  • $174,442Volatile liabilities
  • $175,207Insider loans
  • $132,280FHLB advances
  • $171,350Loans and leases held for sale
  • $3,850Unused loan commitments
  • $3,850Tier 1 (core) risk-based capital
  • $18,871Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,254Restructured Loans and leases
  • $698Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,899Total interest income
  • $2,191Total interest expense
  • $5,708Net interest income
  • $0Provision for loan and lease losses
  • $726Total noninterest income
  • $0Fiduciary activities
  • $316Service charges on deposit accounts
  • $0Trading account gains & fees
  • $410Additional noninterest income
  • $3,873Total noninterest expense
  • $2,083Salaries and employee benefits
  • $388Premises and equipment expense
  • $1,402Additional noninterest expense
  • $2,561Pre-tax net operating income
  • $154Securities gains (losses)
  • $887Applicable income taxes
  • $1,828Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,828Net income attributable to bank
  • $0Net charge-offs
  • $1,828Cash dividends
  • $1,012Sale, conversion, retirement of capital stock, net
  • $175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.46%Noninterest expense to earning assets
  • 0.99%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.56%Pretax return on assets
  • 8.24%Return on equity (ROE)
  • 7.45%Retained earnings to average equity (YTD only)
  • 0.83%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 2.53%Efficiency ratio
  • 58,875Assets per employee
  • 5.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.57%Loss allowance to loans
  • 3.01%Loss allowance to noncurrent loans
  • 207.09%Noncurrent assets plus other real estate owned to assets
  • 2.03%Noncurrent loans to loans
  • 1.45%Net loans and leases to deposits
  • 84.37%Net loans and leases to core deposits
  • 106.93%Equity capital to assets
  • 12.97%Core capital (leverage) ratio
  • 11.01%Tier 1 risk-based capital ratio
  • 14.27%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $174,442Average earning assets
  • $22,178Average equity
  • $157,471Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09527Timberwood Bank110 West Veterans Street, Tomah, WI 54660August 01, 1907Full Service Brick and Mortar
    3227294Tomah Branch102 East Veterans Street, Tomah, WI 54660October 17, 1984Limited Service Administrative

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