S & C Bank in New Richmond, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 15, 2008

  • S & C Bank in New Richmond, Wisconsin (WI)
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S & C Bank - Overview

  • General
  • FDIC Certificate #: 14800
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: AnchorBank, fsb (#29979)
    Federal Reserve ID: 25852
    Date Established: September 10, 1878
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 18087
    FDIC's unique #: 9259
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: October 10, 1934
    Last Structure Change Effective Date: Febuary 15, 2008
    Last Structure Change Process Date: Febuary 27, 2008
    Last Data Update: Febuary 27, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 355 South Knowles Avenue, New Richmond, WI 54017
    County: St. Croix
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • Financial Summary
  • Total assets: $404.1 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, 2007)

  • Dollar figures in thousands
  • 150Total employees (full-time equivalent)
  • $404,103Total assets
  • $13,083Cash and due from depository institutions
  • $131Interest-bearing balances
  • $62,513Securities
  • $72Federal funds sold & reverse repurchase agreements
  • $306,210Net loans & leases
  • $2,979Loan loss allowance
  • $0Trading account assets
  • $11,524Bank premises and fixed assets
  • $275Other real estate owned
  • $5,574Goodwill and other intangibles
  • $0Life insurance assets
  • $4,852All other assets
  • $404,103Total liabilities and capital
  • $356,409Total liabilities
  • $331,851Total deposits
  • $271,419Interest-bearing deposits
  • $331,851Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,600Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $18,000Other borrowed funds
  • $0Subordinated debt
  • $2,958All other liabilities
  • $47,694Total equity capital
  • $47,694Total bank equity capital
  • $47,694Perpetual preferred stock
  • $0Common stock
  • $900Surplus
  • $13,460Undivided profits
  • Memoranda
  • $33,334Noncurrent loans and leases
  • $64,449Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,030Earning assets
  • $0Long-term assets (5+ years)
  • $2,916Average Assets, year-to-date
  • $368,926Average Assets, quarterly
  • $35,721Volatile liabilities
  • $404,014Insider loans
  • $404,759FHLB advances
  • $47,696Loans and leases held for sale
  • $5,156Unused loan commitments
  • $18,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,404Total risk weighted assets
  • $64,449Total unused commitments
  • $0Restructured Loans and leases
  • $2,979Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $27,196Total interest income
  • $10,322Total interest expense
  • $16,874Net interest income
  • $0Provision for loan and lease losses
  • $4,788Total noninterest income
  • $0Fiduciary activities
  • $2,243Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,545Additional noninterest income
  • $14,193Total noninterest expense
  • $8,943Salaries and employee benefits
  • $2,278Premises and equipment expense
  • $2,972Additional noninterest expense
  • $7,469Pre-tax net operating income
  • $0Securities gains (losses)
  • $2,516Applicable income taxes
  • $4,953Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,953Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $978Sale, conversion, retirement of capital stock, net
  • $4,900Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.35%Yield on earning assets
  • 2.79%Cost of funding earning assets
  • 4.56%Net interest margin
  • 1.29%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 1.23%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.85%Pretax return on assets
  • 10.22%Return on equity (ROE)
  • 0.11%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 7.64%Efficiency ratio
  • 65,433Assets per employee
  • 2.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.93%Loss allowance to loans
  • 0.96%Loss allowance to noncurrent loans
  • 42.38%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 2.27%Net loans and leases to deposits
  • 92.27%Net loans and leases to core deposits
  • 102.15%Equity capital to assets
  • 11.80%Core capital (leverage) ratio
  • 10.74%Tier 1 risk-based capital ratio
  • 13.39%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $404,014Average earning assets
  • $48,471Average equity
  • $369,862Average loans

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