Valley Bank Western, FSB in Sparta, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 01, 1994

  • Valley Bank Western, FSB in Sparta, Wisconsin (WI)
  • Show street view No street view available for this location

Valley Bank Western, FSB - Overview

  • General
  • FDIC Certificate #: 28977
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: M&I Mid-State Bank (#5326)
    Federal Reserve ID: 873370
    Date Established: June 01, 1934
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2714
    FDIC's unique #: 41811
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: October 25, 1934
    Last Structure Change Effective Date: September 01, 1994
    Last Structure Change Process Date: September 23, 1994
    Last Data Update: September 23, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 124 North Court, Sparta, WI 54656
    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
  • Financial Summary
  • Total assets: $100.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $50Total assets
  • $96,981Cash and due from depository institutions
  • $3,414Interest-bearing balances
  • $501Securities
  • $12,809Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $77,700Loan loss allowance
  • $1,044Trading account assets
  • $0Bank premises and fixed assets
  • $1,380Other real estate owned
  • $24Goodwill and other intangibles
  • $1,654Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $96,981Total liabilities
  • $89,286Total deposits
  • $87,256Interest-bearing deposits
  • $82,713Deposits held in domestic offices
  • 87256.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $787Subordinated debt
  • $0All other liabilities
  • $1,243Total equity capital
  • $1,243Total bank equity capital
  • $7,695Perpetual preferred stock
  • $0Common stock
  • $5,100Surplus
  • $0Undivided profits
  • Memoranda
  • $2,595Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $338Income earned, not collected on loans
  • $497Earning assets
  • $91,010Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $99,220Average Assets, quarterly
  • $97,969Volatile liabilities
  • $6,797Insider loans
  • $561FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $8,692Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,695Total risk weighted assets
  • $66,627Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $7,592Total interest expense
  • $3,611Net interest income
  • $3,981Provision for loan and lease losses
  • $5Total noninterest income
  • $980Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $980Total noninterest expense
  • $2,893Salaries and employee benefits
  • $1,165Premises and equipment expense
  • $881Additional noninterest expense
  • $847Pre-tax net operating income
  • $2,063Securities gains (losses)
  • $83Applicable income taxes
  • $750Income before extraordinary items
  • $1,396Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,396Net charge-offs
  • $137Cash dividends
  • $675Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.23%Cost of funding earning assets
  • 3.92%Net interest margin
  • 4.32%Noninterest income to earning assets
  • 1.06%Noninterest expense to earning assets
  • 3.14%Net operating income to assets
  • 1.35%Return on assets (ROA)
  • 1.41%Pretax return on assets
  • 2.16%Return on equity (ROE)
  • 19.15%Retained earnings to average equity (YTD only)
  • 9.89%Net charge-offs to loans
  • 0.18%Credit loss provision to net charge-offs
  • 3.65%Efficiency ratio
  • 58,315Assets per employee
  • 1.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.35%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 308.88%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.43%Net loans and leases to deposits
  • 89.05%Net loans and leases to core deposits
  • 95.64%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 7.93%Tier 1 risk-based capital ratio
  • 11.55%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $99,220Average earning assets
  • $7,290Average equity
  • $92,213Average loans

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