FDIC Certificate #: 6192 Status: Active Federal Reserve ID: 960159 Bank Holding Company (Regulatory Top Holder): Superior National Banc Holding Company (RSSDID: 3058712, Location: Superior, WI) Date Established: August 02, 1897 WWW:http://www.sbwi.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 16118 FDIC's unique #: 4173 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: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 01, 2011 Last Structure Change Process Date: March 06, 2012 Last Data Update: March 06, 2012 Data Source Date: April 05, 2012
Location
Address: 2820 East 2nd Street, Superior, WI 54880 County: Douglas 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): Duluth-Superior, MN-WI (#2240) Core Based Statistical Area (CBSA): Duluth, MN-WI (#20260) CBSA Metro Statistical Area: Duluth, MN-WI (#20260)
History of Changes
Change in Location
Financial Summary
Total assets: $33.9 mil Equity capital: $4.2 mil Deposits held in domestic offices: $27.6 mil Return on assets (ROA): 0.10% ($0.0 mil) Quarterly return on assets: -0.98% (-$0.3 mil) Return on Equity (ROE): 0.83% ($0.0 mil) Quarterly return on equity: -7.71% (-$0.3 mil) Net income: $0.0 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.10% ($33.9 mil) Quarterly Pretax return on assets: -0.98% (-$331.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$33,870Total assets
$2,763Cash and due from depository institutions
$65Interest-bearing balances
$12,161Securities
$0Federal funds sold & reverse repurchase agreements
$17,725Net loans & leases
$293Loan loss allowance
$0Trading account assets
$474Bank premises and fixed assets
$171Other real estate owned
$0Goodwill and other intangibles
$33,870Life insurance assets
$576All other assets
$29,667Total liabilities and capital
$27,629Total liabilities
$22,437Total deposits
$27,629Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$38Subordinated debt
$4,203All other liabilities
$4,203Total equity capital
$4,203Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$200Surplus
$3,903Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$44Income earned, not collected on loans
$0Earning assets
$95Long-term assets (5+ years)
$29,951Average Assets, year-to-date
$1,043Average Assets, quarterly
$33,450Volatile liabilities
$33,569Insider loans
$15,556FHLB advances
$34,305Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,127Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$647Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,346Total interest income
$276Total interest expense
$1,070Net interest income
$0Provision for loan and lease losses
$75Total noninterest income
$0Fiduciary activities
$55Service charges on deposit accounts
$0Trading account gains & fees
$20Additional noninterest income
$1,110Total noninterest expense
$654Salaries and employee benefits
$79Premises and equipment expense
$377Additional noninterest expense
$35Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$35Income before extraordinary items
$0Extraordinary gains - net
$35Net income attributable to bank
$0Net charge-offs
$35Cash dividends
$55Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.86%Yield on earning assets
1.00%Cost of funding earning assets
3.86%Net interest margin
0.27%Noninterest income to earning assets
4.01%Noninterest expense to earning assets
0.10%Net operating income to assets
0.10%Return on assets (ROA)
0.10%Pretax return on assets
0.83%Return on equity (ROE)
0.83%Retained earnings to average equity (YTD only)
0.29%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.64%Efficiency ratio
96,943Assets per employee
3.39%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.63%Loss allowance to noncurrent loans
665.91%Noncurrent assets plus other real estate owned to assets
0.63%Noncurrent loans to loans
0.24%Net loans and leases to deposits
64.15%Net loans and leases to core deposits
69.58%Equity capital to assets
12.41%Core capital (leverage) ratio
12.03%Tier 1 risk-based capital ratio
26.53%Total risk-based capital ratio
Memoranda
$28Average assets
$33,450Average earning assets
$4,210Average equity
$27,705Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
4173
Superior Bank
2820 East 2nd Street, Superior, WI 54880
August 02, 1897
Full Service Brick and Mortar
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