Valley Bank, Menomonie in Menomonie, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 01, 1994

Valley Bank, Menomonie in Menomonie, Wisconsin (WI)
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Valley Bank, Menomonie - Overview

General
FDIC Certificate #: 9043
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: M&I Community State Bank (#18111)
Federal Reserve ID: 212652
Date Established: March 18, 1914
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Interstate: No)
FDIC's unique #: 5782
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: August 01, 1994
Last Structure Change Process Date: August 09, 1994
Last Data Update: August 09, 1994
Data Source Date: April 05, 2012
Location
Address: 500 Main Street, Menomonie, WI 54751
County: Dunn
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
Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232)
Core Based Statistical Area (CBSA): Menomonie, WI (#32860)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $190.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$85Total assets
$194,163Cash and due from depository institutions
$8,237Interest-bearing balances
$0Securities
$41,192Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$133,118Loan loss allowance
$1,420Trading account assets
$0Bank premises and fixed assets
$5,392Other real estate owned
$0Goodwill and other intangibles
$1,886Life insurance assets
$4,338All other assets
$0Total liabilities and capital
$194,163Total liabilities
$176,105Total deposits
$167,878Interest-bearing deposits
$148,334Deposits held in domestic offices
167878.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$6,359Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$1,868Total equity capital
$1,868Total bank equity capital
$18,058Perpetual preferred stock
$0Common stock
$955Surplus
$15,497Undivided profits
Memoranda
$1,606Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,239Income earned, not collected on loans
$743Earning assets
$174,310Long-term assets (5+ years)
$15,716Average Assets, year-to-date
$190,373Average Assets, quarterly
$191,514Volatile liabilities
$20,652Insider loans
$560FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$26,090Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$13,720Total risk weighted assets
$127,900Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$13,381Total interest expense
$5,315Net interest income
$8,066Provision for loan and lease losses
$253Total noninterest income
$1,414Fiduciary activities
$2Service charges on deposit accounts
$891Trading account gains & fees
$0Additional noninterest income
$521Total noninterest expense
$6,476Salaries and employee benefits
$2,117Premises and equipment expense
$846Additional noninterest expense
$3,513Pre-tax net operating income
$2,751Securities gains (losses)
-$1Applicable income taxes
$1,036Income before extraordinary items
$1,714Extraordinary gains - net
$0Net income attributable to bank
$1,714Net charge-offs
$297Cash dividends
$1,931Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.79%Cost of funding earning assets
3.09%Net interest margin
4.70%Noninterest income to earning assets
0.82%Noninterest expense to earning assets
3.77%Net operating income to assets
0.90%Return on assets (ROA)
0.90%Pretax return on assets
1.44%Return on equity (ROE)
9.51%Retained earnings to average equity (YTD only)
-1.20%Net charge-offs to loans
0.22%Credit loss provision to net charge-offs
85.19%Efficiency ratio
64,008Assets per employee
2.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
112.66%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
114.61%Noncurrent assets plus other real estate owned to assets
0.64%Noncurrent loans to loans
0.92%Net loans and leases to deposits
79.29%Net loans and leases to core deposits
86.67%Equity capital to assets
9.30%Core capital (leverage) ratio
7.35%Tier 1 risk-based capital ratio
10.73%Total risk-based capital ratio
Memoranda
$12Average assets
$190,373Average earning assets
$18,023Average equity
$171,760Average loans

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