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

State Bank Financial in La Crosse, Wisconsin (WI), MN
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State Bank Financial - Overview

General
FDIC Certificate #: 10383
Status: Active
Federal Reserve ID: 2631172
Bank Holding Company (Regulatory Top Holder): First Bancorporation, Inc. (RSSDID: 1842935, Location: La Crosse, WI)
Date Established: July 26, 1858
WWW: http://www.statebankfinancial.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 7 (Domestic: 7, Interstate: Yes)
OTS Docket #: 12546
FDIC's unique #: 6654
Numeric code: 13
Regulator: FED
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: April 13, 2007
Last Structure Change Process Date: January 03, 2008
Last Data Update: January 03, 2008
Data Source Date: April 05, 2012
Location
Address: 401 Main Street, La Crosse, WI 54601
County: La Crosse
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
Metropolitan Statistical Area (MSA): La Crosse, WI-MN (#3870)
Core Based Statistical Area (CBSA): La Crosse, WI-MN (#29100)
CBSA Metro Statistical Area: La Crosse, WI-MN (#29100)
History of Changes
Office Purchased
Financial Summary
Total assets: $332.1 mil
Equity capital: $36.0 mil
Deposits held in domestic offices: $260.4 mil
Return on assets (ROA): 1.05% ($3.5 mil)
Quarterly return on assets: 0.83% ($2.8 mil)
Return on Equity (ROE): 9.48% ($3.4 mil)
Quarterly return on equity: 7.42% ($2.7 mil)
Net income: $3.3 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.06% ($3,520.6 mil)
Quarterly Pretax return on assets: 0.84% ($2,789.9 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
88Total employees (full-time equivalent)
$332,130Total assets
$52,453Cash and due from depository institutions
$42,351Interest-bearing balances
$81,488Securities
$54Federal funds sold & reverse repurchase agreements
$176,006Net loans & leases
$4,599Loan loss allowance
$0Trading account assets
$4,653Bank premises and fixed assets
$821Other real estate owned
$2,888Goodwill and other intangibles
$332,130Life insurance assets
$13,767All other assets
$296,125Total liabilities and capital
$260,393Total liabilities
$203,168Total deposits
$260,393Interest-bearing deposits
$86Deposits held in domestic offices
27398.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$5,748Trading liabilities
$0Other borrowed funds
$2,586Subordinated debt
$36,005All other liabilities
$36,005Total equity capital
$36,005Total bank equity capital
$0Perpetual preferred stock
$327Common stock
$24,183Surplus
$11,495Undivided profits
Memoranda
$0Noncurrent loans and leases
$708Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,531Income earned, not collected on loans
$225Earning assets
$1,076Long-term assets (5+ years)
$299,899Average Assets, year-to-date
$57,653Average Assets, quarterly
$314,547Volatile liabilities
$323,665Insider loans
$197,259FHLB advances
$311,456Loans and leases held for sale
$7,797Unused loan commitments
$7,797Tier 1 (core) risk-based capital
$29,891Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$32,161Restructured Loans and leases
$6,698Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$12,444Total interest income
$1,876Total interest expense
$10,568Net interest income
$0Provision for loan and lease losses
$2,430Total noninterest income
$0Fiduciary activities
$938Service charges on deposit accounts
$0Trading account gains & fees
$1,492Additional noninterest income
$9,676Total noninterest expense
$5,606Salaries and employee benefits
$1,189Premises and equipment expense
$2,881Additional noninterest expense
$3,322Pre-tax net operating income
$0Securities gains (losses)
$20Applicable income taxes
$3,302Income before extraordinary items
$0Extraordinary gains - net
$3,302Net income attributable to bank
$0Net charge-offs
$3,302Cash dividends
$817Sale, conversion, retirement of capital stock, net
$1,625Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.42%Yield on earning assets
0.67%Cost of funding earning assets
3.76%Net interest margin
0.86%Noninterest income to earning assets
3.44%Noninterest expense to earning assets
1.05%Net operating income to assets
1.05%Return on assets (ROA)
1.06%Pretax return on assets
9.48%Return on equity (ROE)
4.81%Retained earnings to average equity (YTD only)
0.45%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
4.07%Efficiency ratio
74,204Assets per employee
3.77%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.21%Loss allowance to loans
2.55%Loss allowance to noncurrent loans
300.39%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
0.85%Net loans and leases to deposits
67.59%Net loans and leases to core deposits
77.13%Equity capital to assets
10.84%Core capital (leverage) ratio
9.60%Tier 1 risk-based capital ratio
15.15%Total risk-based capital ratio
Memoranda
$16Average assets
$314,547Average earning assets
$34,837Average equity
$281,311Average loans

List of branches

1 Minnesota Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
7	7413	La Crescent Branch	109 South Walnut Street, La Crescent, MN 55947	January 01, 1879	Full Service Brick and Mortar

6 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6654	State Bank Financial	401 Main Street, La Crosse, WI 54601	July 26, 1858	Full Service Brick and Mortar
4	225231	Shelby Branch	5501 Mormon Coulee Road, Shelby Township, WI 54601	March 17, 1972	Full Service Brick and Mortar
5	225232	Drive-In/Walk-up Facility	Fifth And State Streets, La Crosse, WI 54601	November 21, 1978	Limited Service Facility
6	225233	Onalaska Branch	1836 East Main Street, Onalaska, WI 54650	November 17, 1990	Full Service Brick and Mortar
10	446065	Marshfield Branch	124 North Central Avenue, Marshfield, WI 54449	November 21, 2005	Full Service Brick and Mortar
11	466122	Sparta Branch	203 West Wisconsin Street, Sparta, WI 54656	April 13, 2007	Full Service Brick and Mortar

State Bank Financial in La Crosse, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank Financial - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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State Bank Financial in La Crosse, Wisconsin (WI), MNOverview, Financial Summary, Detailed Financial Reports, Branches

State Bank Financial - 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:

State Bank Financial in La Crosse, Wisconsin (WI), MN
Overview, Financial Summary, Detailed Financial Reports, Branches