Grand Marsh State Bank in Grand Marsh, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Grand Marsh State Bank in Grand Marsh, Wisconsin (WI)
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Grand Marsh State Bank routing number info

Grand Marsh State Bank - Overview

  • General
  • FDIC Certificate #: 15185
    Status: Active
    Federal Reserve ID: 916147
    Bank Holding Company (Regulatory Top Holder): Bosshard Financial Group, Inc. (RSSDID: 1205473, Location: La Crosse, WI)
    Date Established: January 01, 1915
    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 #: 9549
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 643 Main St, Grand Marsh, WI 53936
    County: Adams
    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
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $123.9 mil
    Equity capital: $16.8 mil
    Deposits held in domestic offices: $103.2 mil
    Return on assets (ROA): 1.11% ($1.4 mil)
    Quarterly return on assets: 1.01% ($1.3 mil)
    Return on Equity (ROE): 7.46% ($1.3 mil)
    Quarterly return on equity: 7.00% ($1.2 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.47% ($1,821.5 mil)
    Quarterly Pretax return on assets: 1.17% ($1,449.7 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
  • 23Total employees (full-time equivalent)
  • $123,910Total assets
  • $5,198Cash and due from depository institutions
  • $515Interest-bearing balances
  • $51,209Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,256Net loans & leases
  • $792Loan loss allowance
  • $0Trading account assets
  • $1,090Bank premises and fixed assets
  • $917Other real estate owned
  • $0Goodwill and other intangibles
  • $123,910Life insurance assets
  • $1,240All other assets
  • $107,157Total liabilities and capital
  • $103,156Total liabilities
  • $88,537Total deposits
  • $103,156Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 3847.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $154Subordinated debt
  • $16,753All other liabilities
  • $16,753Total equity capital
  • $16,753Total bank equity capital
  • $0Perpetual preferred stock
  • $118Common stock
  • $2,882Surplus
  • $13,753Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,097Income earned, not collected on loans
  • $0Earning assets
  • $471Long-term assets (5+ years)
  • $115,980Average Assets, year-to-date
  • $8,479Average Assets, quarterly
  • $121,030Volatile liabilities
  • $121,538Insider loans
  • $67,757FHLB advances
  • $121,491Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,753Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,733Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,502Total interest income
  • $911Total interest expense
  • $3,591Net interest income
  • $200Provision for loan and lease losses
  • $437Total noninterest income
  • $0Fiduciary activities
  • $289Service charges on deposit accounts
  • $0Trading account gains & fees
  • $148Additional noninterest income
  • $2,053Total noninterest expense
  • $921Salaries and employee benefits
  • $249Premises and equipment expense
  • $883Additional noninterest expense
  • $1,775Pre-tax net operating income
  • $0Securities gains (losses)
  • $434Applicable income taxes
  • $1,341Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,341Net income attributable to bank
  • $0Net charge-offs
  • $1,341Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $2,942Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.96%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.16%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 1.81%Noninterest expense to earning assets
  • 1.11%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 7.46%Return on equity (ROE)
  • -8.90%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 170.94%Credit loss provision to net charge-offs
  • 16.88%Efficiency ratio
  • 50,968Assets per employee
  • 5.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 219.39%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 37.77%Noncurrent assets plus other real estate owned to assets
  • 2.43%Noncurrent loans to loans
  • 3.22%Net loans and leases to deposits
  • 62.29%Net loans and leases to core deposits
  • 69.26%Equity capital to assets
  • 13.52%Core capital (leverage) ratio
  • 13.79%Tier 1 risk-based capital ratio
  • 24.73%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $121,030Average earning assets
  • $17,983Average equity
  • $113,549Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09549Grand Marsh State Bank643 Main St, Grand Marsh, WI 53936January 01, 1915Full Service Brick and Mortar
    1233339Mound View Branch501 North Main Street, Adams, WI 53910Febuary 24, 1983Full Service Brick and Mortar
    2233340Oxford Branch120 East Valette Street, Oxford, WI 53952Febuary 05, 1999Full Service Brick and Mortar

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