FDIC Certificate #: 15092 Status: Active Federal Reserve ID: 331544 Bank Holding Company (Regulatory Top Holder): Richland County Bancshares, Inc. (RSSDID: 2737971, Location: Richland Center, WI) Date Established: January 01, 1881 WWW:http://www.richlandcountybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 9469 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: April 12, 1935 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: 196 West Court Street, Richland Center, WI 53581 County: Richland 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $108.5 mil Equity capital: $22.0 mil Deposits held in domestic offices: $85.7 mil Return on assets (ROA): 0.78% ($0.9 mil) Quarterly return on assets: 0.73% ($0.8 mil) Return on Equity (ROE): 3.81% ($0.8 mil) Quarterly return on equity: 3.52% ($0.8 mil) Net income: $0.8 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.12% ($1,215.6 mil) Quarterly Pretax return on assets: 0.97% ($1,052.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
28Total employees (full-time equivalent)
$108,536Total assets
$11,809Cash and due from depository institutions
$2,928Interest-bearing balances
$47,663Securities
$0Federal funds sold & reverse repurchase agreements
$45,551Net loans & leases
$787Loan loss allowance
$0Trading account assets
$2,459Bank premises and fixed assets
$333Other real estate owned
$0Goodwill and other intangibles
$108,536Life insurance assets
$721All other assets
$86,514Total liabilities and capital
$85,671Total liabilities
$73,302Total deposits
$85,671Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$843Subordinated debt
$22,022All other liabilities
$22,022Total equity capital
$22,022Total bank equity capital
$0Perpetual preferred stock
$1,500Common stock
$6,000Surplus
$14,522Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$631Income earned, not collected on loans
$0Earning assets
$418Long-term assets (5+ years)
$96,142Average Assets, year-to-date
$24,031Average Assets, quarterly
$105,971Volatile liabilities
$106,935Insider loans
$50,344FHLB advances
$108,451Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$21,448Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,794Restructured Loans and leases
$123Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,086Total interest income
$873Total interest expense
$3,213Net interest income
$100Provision for loan and lease losses
$557Total noninterest income
$0Fiduciary activities
$225Service charges on deposit accounts
$0Trading account gains & fees
$332Additional noninterest income
$2,481Total noninterest expense
$1,357Salaries and employee benefits
$301Premises and equipment expense
$823Additional noninterest expense
$1,189Pre-tax net operating income
$0Securities gains (losses)
$358Applicable income taxes
$831Income before extraordinary items
$0Extraordinary gains - net
$831Net income attributable to bank
$0Net charge-offs
$831Cash dividends
$18Sale, conversion, retirement of capital stock, net
$403Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.27%Yield on earning assets
0.91%Cost of funding earning assets
3.35%Net interest margin
0.58%Noninterest income to earning assets
2.59%Noninterest expense to earning assets
0.78%Net operating income to assets
0.78%Return on assets (ROA)
1.12%Pretax return on assets
3.81%Return on equity (ROE)
1.96%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
555.56%Credit loss provision to net charge-offs
71.61%Efficiency ratio
65,809Assets per employee
3.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.50%Loss allowance to loans
1.70%Loss allowance to noncurrent loans
124.72%Noncurrent assets plus other real estate owned to assets
0.89%Noncurrent loans to loans
1.36%Net loans and leases to deposits
53.17%Net loans and leases to core deposits
54.07%Equity capital to assets
20.29%Core capital (leverage) ratio
19.78%Tier 1 risk-based capital ratio
42.60%Total risk-based capital ratio
Memoranda
$44Average assets
$105,971Average earning assets
$21,787Average equity
$95,800Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
9469
Richland County Bank
196 West Court Street, Richland Center, WI 53581
January 01, 1881
Full Service Brick and Mortar
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