FDIC Certificate #: 10738 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The Baraboo National Bank (#12788) Federal Reserve ID: 64646 Date Established: January 01, 1912 WWW:http://www.northwoodsstatebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) FDIC's unique #: 6889 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 11, 2005 Last Structure Change Process Date: March 24, 2005 Last Data Update: March 24, 2005 Data Source Date: April 05, 2012
Location
Address: 1225 Lincoln Street, Rhinelander, WI 54501 County: Oneida 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
Financial Summary
Total assets: $80.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
26Total employees (full-time equivalent)
$80,661Total assets
$2,993Cash and due from depository institutions
$7Interest-bearing balances
$514Securities
$7,029Federal funds sold & reverse repurchase agreements
$64,646Net loans & leases
$1,115Loan loss allowance
$0Trading account assets
$1,910Bank premises and fixed assets
$146Other real estate owned
$2,119Goodwill and other intangibles
$0Life insurance assets
$1,304All other assets
$80,661Total liabilities and capital
$71,608Total liabilities
$70,267Total deposits
$62,277Interest-bearing deposits
$70,267Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$1,000Other borrowed funds
$0Subordinated debt
$341All other liabilities
$9,053Total equity capital
$9,053Total bank equity capital
$9,053Perpetual preferred stock
$0Common stock
$50Surplus
$6,897Undivided profits
Memoranda
$2,106Noncurrent loans and leases
$6,528Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$573Earning assets
$0Long-term assets (5+ years)
$266Average Assets, year-to-date
$72,196Average Assets, quarterly
$3,718Volatile liabilities
$83,260Insider loans
$82,940FHLB advances
$14,178Loans and leases held for sale
$1,143Unused loan commitments
$1,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$581Total risk weighted assets
$6,528Total unused commitments
$0Restructured Loans and leases
$716Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,091Total interest income
$1,693Total interest expense
$3,398Net interest income
$328Provision for loan and lease losses
$341Total noninterest income
$0Fiduciary activities
$143Service charges on deposit accounts
$0Trading account gains & fees
$198Additional noninterest income
$1,860Total noninterest expense
$974Salaries and employee benefits
$218Premises and equipment expense
$668Additional noninterest expense
$1,551Pre-tax net operating income
$0Securities gains (losses)
$632Applicable income taxes
$919Income before extraordinary items
$0Extraordinary gains - net
$919Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$331Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.83%Yield on earning assets
2.27%Cost of funding earning assets
4.56%Net interest margin
0.46%Noninterest income to earning assets
2.49%Noninterest expense to earning assets
1.10%Net operating income to assets
1.10%Return on assets (ROA)
1.86%Pretax return on assets
10.80%Return on equity (ROE)
10.80%Retained earnings to average equity (YTD only)
0.46%Net charge-offs to loans
99.09%Credit loss provision to net charge-offs
5.68%Efficiency ratio
47,125Assets per employee
3.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
194.59%Noncurrent assets plus other real estate owned to assets
0.89%Noncurrent loans to loans
0.87%Net loans and leases to deposits
92.00%Net loans and leases to core deposits
113.24%Equity capital to assets
11.22%Core capital (leverage) ratio
8.64%Tier 1 risk-based capital ratio
12.17%Total risk-based capital ratio
Memoranda
$13Average assets
$83,260Average earning assets
$8,512Average equity
$74,589Average loans
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