Timberwood Bank in Tomah, Wisconsin (WI)



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Timberwood Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)34
Total assets$175,038
Cash and due from depository institutions$8,218
Interest-bearing balances$6,050
Securities$33,986
Federal funds sold & reverse repurchase agreements$507
Net loans & leases$116,694
Loan loss allowance $3,622
Trading account assets$0
Bank premises and fixed assets$3,356
Other real estate owned$1,803
Goodwill and other intangibles$3,442
All other assets$7,032
Life insurance assets$175,037
Total liabilities and capital$152,328
Total liabilities$138,318
Total deposits$125,727
Interest-bearing deposits$138,318
Deposits held in domestic offices$81
% insured (estimated)709.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,750
Other borrowed funds $0
Subordinated debt $551
All other liabilities $22,709
Total equity capital$22,709
Total bank equity capital$22,709
Perpetual preferred stock$0
Common stock$200
Surplus$21,651
Undivided profits $858
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,749
Earning assets $0
Long-term assets (5+ years) $729
Average Assets, year-to-date $157,237
Average Assets, quarterly $32,464
Volatile liabilities $174,442
Insider loans $175,207
FHLB advances $132,280
Loans and leases held for sale $171,350
Unused loan commitments $3,850
Tier 1 (core) risk-based capital $3,850
Tier 2 risk-based capital $18,871
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $15,254
Derivatives$698
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,899
Total interest expense $2,191
Net interest income $5,708
Provision for loan and lease losses $0
Total noninterest income $726
Fiduciary activities $0
Service charges on deposit accounts $316
Trading account gains & fees $0
Additional noninterest income $410
Total noninterest expense $3,873
Salaries and employee benefits $2,083
Premises and equipment expense $388
Additional noninterest expense $1,402
Pre-tax net operating income $2,561
Securities gains (losses) $154
Applicable income taxes $887
Income before extraordinary items $1,828
Extraordinary gains - net $0
Net income attributable to bank $1,828
Net charge-offs $0
Cash dividends $1,828
Sale, conversion, retirement of capital stock, net $1,012
Net operating income $175
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.02%
Cost of funding earning assets 1.39%
Net interest margin 3.62%
Noninterest income to earning assets 0.46%
Noninterest expense to earning assets 2.46%
Net operating income to assets 0.99%
Return on assets (ROA) 1.05%
Pretax return on assets 1.56%
Return on equity (ROE) 8.24%
Retained earnings to average equity (YTD only) 7.45%
Net charge-offs to loans 0.83%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio2.53%
Assets per employee$58,875
Cash dividends to net income (YTD only)5.15%
Condition Ratios (%)
Loss allowance to loans 9.57%
Loss allowance to noncurrent loans 3.01%
Noncurrent assets plus other real estate owned to assets 207.09%
Noncurrent loans to loans 2.03%
Net loans and leases to deposits1.45%
Net loans and leases to core deposits 84.37%
Equity capital to assets 106.93%
Core capital (leverage) ratio 12.97%
Tier 1 risk-based capital ratio 11.01%
Total risk-based capital ratio 14.27%
Memoranda
Average assets$16
Average earning assets$174,442
Average equity $22,178
Average loans $157,471
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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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