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

River Bank in Stoddard, Wisconsin (WI)
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River Bank routing number info

River Bank - Overview

General
FDIC Certificate #: 14995
Status: Active
Federal Reserve ID: 279842
Bank Holding Company (Regulatory Top Holder): River Holding Company (RSSDID: 2486813, Location: Stoddard, WI)
Date Established: October 11, 1911
WWW: http://www.riverbank.biz
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 12843
FDIC's unique #: 9398
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
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: 145 North Main Street, Stoddard, WI 54658
County: Vernon
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: $421.9 mil
Equity capital: $47.2 mil
Deposits held in domestic offices: $366.6 mil
Return on assets (ROA): 2.04% ($8.6 mil)
Quarterly return on assets: 1.44% ($6.1 mil)
Return on Equity (ROE): 18.28% ($8.6 mil)
Quarterly return on equity: 12.78% ($6.0 mil)
Net income: $8.2 mil
Quarterly Net income: $1.5 mil
Pretax return on assets: 2.04% ($8,606.5 mil)
Quarterly Pretax return on assets: 1.44% ($6,075.2 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
77Total employees (full-time equivalent)
$421,886Total assets
$5,959Cash and due from depository institutions
$394Interest-bearing balances
$31,750Securities
$47,858Federal funds sold & reverse repurchase agreements
$321,069Net loans & leases
$4,093Loan loss allowance
$0Trading account assets
$5,994Bank premises and fixed assets
$1,649Other real estate owned
$3,891Goodwill and other intangibles
$421,886Life insurance assets
$3,716All other assets
$374,667Total liabilities and capital
$366,564Total liabilities
$336,229Total deposits
$366,564Interest-bearing deposits
$89Deposits held in domestic offices
3244.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$859Subordinated debt
$47,219All other liabilities
$47,219Total equity capital
$47,219Total bank equity capital
$0Perpetual preferred stock
$650Common stock
$24,075Surplus
$22,494Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,797Income earned, not collected on loans
$0Earning assets
$1,475Long-term assets (5+ years)
$401,071Average Assets, year-to-date
$22,659Average Assets, quarterly
$404,795Volatile liabilities
$416,861Insider loans
$324,350FHLB advances
$413,233Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$42,015Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,093Restructured Loans and leases
$17,517Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,608Total interest income
$5,624Total interest expense
$14,984Net interest income
$665Provision for loan and lease losses
$449Total noninterest income
$0Fiduciary activities
$390Service charges on deposit accounts
$0Trading account gains & fees
$59Additional noninterest income
$6,526Total noninterest expense
$3,711Salaries and employee benefits
$771Premises and equipment expense
$2,044Additional noninterest expense
$8,242Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$8,242Income before extraordinary items
$0Extraordinary gains - net
$8,242Net income attributable to bank
$0Net charge-offs
$8,242Cash dividends
$311Sale, conversion, retirement of capital stock, net
$4,200Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.37%Yield on earning assets
1.47%Cost of funding earning assets
3.91%Net interest margin
0.12%Noninterest income to earning assets
1.70%Noninterest expense to earning assets
2.04%Net operating income to assets
2.04%Return on assets (ROA)
2.04%Pretax return on assets
18.28%Return on equity (ROE)
8.96%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
213.83%Credit loss provision to net charge-offs
28.64%Efficiency ratio
41,444Assets per employee
5.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.96%Loss allowance to loans
1.26%Loss allowance to noncurrent loans
107.80%Noncurrent assets plus other real estate owned to assets
1.29%Noncurrent loans to loans
1.17%Net loans and leases to deposits
87.59%Net loans and leases to core deposits
97.02%Equity capital to assets
11.19%Core capital (leverage) ratio
10.17%Tier 1 risk-based capital ratio
12.95%Total risk-based capital ratio
Memoranda
$14Average assets
$404,795Average earning assets
$45,097Average equity
$383,575Average loans

List of branches

11 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9398	River Bank	145 North Main Street, Stoddard, WI 54658	October 11, 1911	Full Service Brick and Mortar
1	9197	Ferryville Branch	161 Main Street, Ferryville, WI 54628	July 24, 1911	Full Service Brick and Mortar
2	8484	De Soto Branch	88 Crawford Street, De Soto, WI 54624	January 26, 1904	Full Service Brick and Mortar
3	232714	La Crosse Branch	4401 Mormon Coulee Road, La Crosse, WI 54601	September 01, 1993	Full Service Brick and Mortar
4	232715	Holmen Branch	4000 Corporate Drive, Holmen, WI 54636	November 11, 1996	Full Service Brick and Mortar
5	232716	Sparta Branch	900 Maple Avenue, Sparta, WI 54656	November 08, 1999	Full Service Brick and Mortar
6	428172	La Crosse Branch	1232 Rose Street, La Crosse, WI 54603	May 03, 2004	Full Service Brick and Mortar
7	8666	Farmers State Bank/Branch	1606 Commercial, Bangor, WI 54614	July 05, 1910	Full Service Brick and Mortar
9	423229	West Salem Branch	W 3995 Country Highway M, West Salem, WI 54669	July 07, 2003	Full Service Brick and Mortar
10	470113	Westby Branch	101 Stenslien Street, Westby, WI 54667	December 28, 2007	Full Service Brick and Mortar
11	513460	Coon Valley Branch	300 Central Avenue, Coon Valley, WI 54623	October 22, 2010	Full Service Brick and Mortar

River Bank in Stoddard, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

River Bank - 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:

River Bank in Stoddard, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

River Bank - 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:

River Bank in Stoddard, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches