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

State Bank of Arcadia in Arcadia, Wisconsin (WI)
Show street view No street view available for this location

State Bank of Arcadia routing number info

State Bank of Arcadia - Overview

General
FDIC Certificate #: 14994
Status: Active
Federal Reserve ID: 380654
Bank Holding Company (Regulatory Top Holder): B & E Investments, Inc. (State Bank Of Arcadia) Employee Stock Ownership Plan & Trust (RSSDID: 2264020, Location: Arcadia, WI)
Date Established: May 14, 1913
WWW: http://www.rkdbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 10844
FDIC's unique #: 9397
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural 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: 131 West Main Street, Arcadia, WI 54612
County: Trempealeau
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $122.3 mil
Equity capital: $10.1 mil
Deposits held in domestic offices: $112.0 mil
Return on assets (ROA): 0.87% ($1.1 mil)
Quarterly return on assets: 0.35% ($0.4 mil)
Return on Equity (ROE): 10.32% ($1.0 mil)
Quarterly return on equity: 4.20% ($0.4 mil)
Net income: $1.0 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.89% ($1,088.7 mil)
Quarterly Pretax return on assets: 0.40% ($489.3 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
24Total employees (full-time equivalent)
$122,330Total assets
$29,209Cash and due from depository institutions
$25,902Interest-bearing balances
$25,905Securities
$0Federal funds sold & reverse repurchase agreements
$64,582Net loans & leases
$663Loan loss allowance
$0Trading account assets
$1,436Bank premises and fixed assets
$159Other real estate owned
$0Goodwill and other intangibles
$122,331Life insurance assets
$1,039All other assets
$112,270Total liabilities and capital
$111,958Total liabilities
$96,498Total deposits
$111,958Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$312Subordinated debt
$10,061All other liabilities
$10,061Total equity capital
$10,061Total bank equity capital
$0Perpetual preferred stock
$360Common stock
$2,806Surplus
$6,895Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$87Income earned, not collected on loans
$0Earning assets
$368Long-term assets (5+ years)
$116,389Average Assets, year-to-date
$18,840Average Assets, quarterly
$115,028Volatile liabilities
$119,384Insider loans
$57,870FHLB advances
$118,674Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,044Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,764Restructured Loans and leases
$1,414Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,439Total interest income
$1,333Total interest expense
$3,106Net interest income
$34Provision for loan and lease losses
$171Total noninterest income
$0Fiduciary activities
$73Service charges on deposit accounts
$0Trading account gains & fees
$98Additional noninterest income
$2,225Total noninterest expense
$1,294Salaries and employee benefits
$309Premises and equipment expense
$622Additional noninterest expense
$1,018Pre-tax net operating income
$0Securities gains (losses)
$15Applicable income taxes
$1,003Income before extraordinary items
$0Extraordinary gains - net
$1,003Net income attributable to bank
$0Net charge-offs
$1,003Cash dividends
-$28Sale, conversion, retirement of capital stock, net
$350Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.05%Yield on earning assets
1.22%Cost of funding earning assets
2.83%Net interest margin
0.16%Noninterest income to earning assets
2.03%Noninterest expense to earning assets
0.87%Net operating income to assets
0.87%Return on assets (ROA)
0.89%Pretax return on assets
10.32%Return on equity (ROE)
6.72%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
-121.43%Credit loss provision to net charge-offs
0.00%Efficiency ratio
67,897Assets per employee
5.10%Cash dividends to net income (YTD only)
Condition Ratios (%)
34.90%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
762.07%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.13%Net loans and leases to deposits
57.68%Net loans and leases to core deposits
60.43%Equity capital to assets
8.22%Core capital (leverage) ratio
8.46%Tier 1 risk-based capital ratio
17.36%Total risk-based capital ratio
Memoranda
$19Average assets
$115,028Average earning assets
$9,720Average equity
$109,591Average loans

List of branches

3 Wisconsin Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9397	State Bank Of Arcadia	131 West Main Street, Arcadia, WI 54612	May 14, 1913	Full Service Brick and Mortar
2	423268	East Main Street Branch	1550 East Main Street, Arcadia, WI 54612	October 06, 2003	Full Service Brick and Mortar
3	525919	Independence Branch (Cedar Street)	23513 Cedar Street, Independence, WI 54747	September 06, 2011	Full Service Brick and Mortar

State Bank of Arcadia in Arcadia, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Arcadia - 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 of Arcadia in Arcadia, Wisconsin (WI)Overview, Financial Summary, Detailed Financial Reports, Branches

State Bank of Arcadia - 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 of Arcadia in Arcadia, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches