Bank North in city_name, state_name - Detailed Financial Reports, Location

Bank North in Crivitz, Wisconsin (WI)
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Bank North routing number info

Bank North - Overview

General
FDIC Certificate #: 15093
Status: Active
Federal Reserve ID: 12245
Bank Holding Company (Regulatory Top Holder): Pwb Bancshares, Inc. (RSSDID: 1416747, Location: Wausaukee, WI)
Date Established: January 01, 1903
WWW: http://www.banknorthwis.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 12035
FDIC's unique #: 9470
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 20, 1934
Last Structure Change Effective Date: September 19, 2006
Last Structure Change Process Date: September 25, 2006
Last Data Update: September 25, 2006
Data Source Date: April 05, 2012
Location
Address: 606 Henriette Avenue, Crivitz, WI 54114
County: Marinette
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
Core Based Statistical Area (CBSA): Marinette, WI-MI (#31940)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $116.7 mil
Equity capital: $13.7 mil
Deposits held in domestic offices: $94.2 mil
Return on assets (ROA): 0.65% ($0.8 mil)
Quarterly return on assets: 0.71% ($0.8 mil)
Return on Equity (ROE): 5.63% ($0.8 mil)
Quarterly return on equity: 6.08% ($0.9 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.88% ($1,026.6 mil)
Quarterly Pretax return on assets: 1.00% ($1,166.6 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
41Total employees (full-time equivalent)
$116,659Total assets
$2,137Cash and due from depository institutions
$42Interest-bearing balances
$32,395Securities
$359Federal funds sold & reverse repurchase agreements
$78,622Net loans & leases
$1,371Loan loss allowance
$0Trading account assets
$1,375Bank premises and fixed assets
$450Other real estate owned
$0Goodwill and other intangibles
$116,659Life insurance assets
$1,321All other assets
$102,936Total liabilities and capital
$94,220Total liabilities
$79,375Total deposits
$94,220Interest-bearing deposits
$95Deposits held in domestic offices
1084.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$6,900Trading liabilities
$0Other borrowed funds
$732Subordinated debt
$13,723All other liabilities
$13,723Total equity capital
$13,723Total bank equity capital
$0Perpetual preferred stock
$1,419Common stock
$3,581Surplus
$8,723Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$764Income earned, not collected on loans
$0Earning assets
$425Long-term assets (5+ years)
$111,418Average Assets, year-to-date
$40,599Average Assets, quarterly
$116,840Volatile liabilities
$117,739Insider loans
$71,098FHLB advances
$116,915Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,139Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,980Restructured Loans and leases
$3,040Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,542Total interest income
$831Total interest expense
$4,711Net interest income
$200Provision for loan and lease losses
$364Total noninterest income
$0Fiduciary activities
$221Service charges on deposit accounts
$0Trading account gains & fees
$143Additional noninterest income
$3,842Total noninterest expense
$2,239Salaries and employee benefits
$428Premises and equipment expense
$1,175Additional noninterest expense
$1,033Pre-tax net operating income
$0Securities gains (losses)
$274Applicable income taxes
$759Income before extraordinary items
$0Extraordinary gains - net
$759Net income attributable to bank
$0Net charge-offs
$759Cash dividends
$152Sale, conversion, retirement of capital stock, net
$391Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.98%Yield on earning assets
0.75%Cost of funding earning assets
4.23%Net interest margin
0.33%Noninterest income to earning assets
3.45%Noninterest expense to earning assets
0.65%Net operating income to assets
0.65%Return on assets (ROA)
0.88%Pretax return on assets
5.63%Return on equity (ROE)
2.73%Retained earnings to average equity (YTD only)
0.19%Net charge-offs to loans
131.58%Credit loss provision to net charge-offs
8.11%Efficiency ratio
75,704Assets per employee
2.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.52%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
179.45%Noncurrent assets plus other real estate owned to assets
1.04%Noncurrent loans to loans
0.96%Net loans and leases to deposits
83.45%Net loans and leases to core deposits
90.19%Equity capital to assets
11.76%Core capital (leverage) ratio
11.24%Tier 1 risk-based capital ratio
18.48%Total risk-based capital ratio
Memoranda
$20Average assets
$116,840Average earning assets
$13,475Average equity
$111,341Average loans

List of branches

5 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9470	Bank North	606 Henriette Avenue, Crivitz, WI 54114	January 01, 1903	Full Service Brick and Mortar
1	233211	Wausaukee Branch	704 Main Street, Wausaukee, WI 54177	December 14, 1944	Full Service Brick and Mortar
2	233212	Pembine Branch	U.S. Highway 141, Pembine, WI 54156	December 27, 1933	Full Service Brick and Mortar
3	233213	Amberg Branch	W7912 Amberg Street, Amberg, WI 54102	May 09, 1983	Full Service Brick and Mortar
5	453361	Crivitz Store Facility	250 Highway 141, Crivitz, WI 54114	July 24, 2006	Full Service Retail

Bank North in Crivitz, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank North - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank North in Crivitz, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

Bank North - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Bank North in Crivitz, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches