Wolf River Community Bank in Hortonville, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


Wolf River Community Bank - Overview

  • General
  • FDIC Certificate #: 34240
    Status: Active
    Federal Reserve ID: 2505424
    Bank Holding Company (Regulatory Top Holder): Wolf River Bancorp, Inc. (RSSDID: 3180257, Location: Hortonville, WI)
    Date Established: October 16, 1996
    WWW: http://www.wolfriverbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 56999
    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: October 16, 1996
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 309 East Main Street, Hortonville, WI 54944
    County: Outagamie
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Appleton-Oshkosh-Neenah, WI (#460)
    Combined Statistical Area (CSA): Appleton-Oshkosh-Neenah, WI (#118)
    Core Based Statistical Area (CBSA): Appleton, WI (#11540)
    CBSA Metro Statistical Area: Appleton, WI (#11540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $126.6 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $94.3 mil
    Return on assets (ROA): 1.07% ($1.4 mil)
    Quarterly return on assets: 1.12% ($1.4 mil)
    Return on Equity (ROE): 9.19% ($1.4 mil)
    Quarterly return on equity: 9.39% ($1.4 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.42% ($1,797.9 mil)
    Quarterly Pretax return on assets: 1.51% ($1,911.8 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
  • 25Total employees (full-time equivalent)
  • $126,610Total assets
  • $2,998Cash and due from depository institutions
  • $661Interest-bearing balances
  • $21,092Securities
  • $6,348Federal funds sold & reverse repurchase agreements
  • $88,554Net loans & leases
  • $1,720Loan loss allowance
  • $0Trading account assets
  • $2,714Bank premises and fixed assets
  • $1,212Other real estate owned
  • $0Goodwill and other intangibles
  • $126,610Life insurance assets
  • $3,692All other assets
  • $111,574Total liabilities and capital
  • $94,333Total liabilities
  • $85,008Total deposits
  • $94,333Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $16,580Trading liabilities
  • $0Other borrowed funds
  • $661Subordinated debt
  • $15,036All other liabilities
  • $15,036Total equity capital
  • $15,036Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $3,133Surplus
  • $11,553Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,153Income earned, not collected on loans
  • $0Earning assets
  • $516Long-term assets (5+ years)
  • $116,655Average Assets, year-to-date
  • $13,212Average Assets, quarterly
  • $120,981Volatile liabilities
  • $124,371Insider loans
  • $96,221FHLB advances
  • $125,472Loans and leases held for sale
  • $1,851Unused loan commitments
  • $1,851Tier 1 (core) risk-based capital
  • $14,132Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,726Restructured Loans and leases
  • $36Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,745Total interest income
  • $1,310Total interest expense
  • $4,435Net interest income
  • $374Provision for loan and lease losses
  • $744Total noninterest income
  • $0Fiduciary activities
  • $231Service charges on deposit accounts
  • $0Trading account gains & fees
  • $513Additional noninterest income
  • $3,084Total noninterest expense
  • $1,705Salaries and employee benefits
  • $406Premises and equipment expense
  • $973Additional noninterest expense
  • $1,721Pre-tax net operating income
  • $0Securities gains (losses)
  • $424Applicable income taxes
  • $1,297Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,297Net income attributable to bank
  • $0Net charge-offs
  • $1,297Cash dividends
  • $291Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 9.19%Return on equity (ROE)
  • 9.19%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 128.52%Credit loss provision to net charge-offs
  • 7.20%Efficiency ratio
  • 59,548Assets per employee
  • 5.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 149.18%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 1.28%Net loans and leases to deposits
  • 93.87%Net loans and leases to core deposits
  • 105.06%Equity capital to assets
  • 11.88%Core capital (leverage) ratio
  • 11.26%Tier 1 risk-based capital ratio
  • 14.69%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $120,981Average earning assets
  • $14,120Average equity
  • $110,657Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056999Wolf River Community Bank309 East Main Street, Hortonville, WI 54944October 16, 1996Full Service Brick and Mortar
    1359351New London Branch1008 North Shawano Street, New London, WI 54961January 24, 2001Full Service Brick and Mortar
    2454780Hortonville High School Branch246 North Oak Street, Hortonville, WI 54944September 05, 2006Limited Service Facility

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