Wisconsin River Bank Reports – 2164111

Wisconsin River Bank Financial Reports

Quarter Ended: 2024-09-30

Data Updated on: 11/22/2024

Wisconsin River Bank is a Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC) located in Sauk City, WI. Established on 02/21/1994, the bank is regulated by the FDIC and has 3 domestic offices. It operates in the Baraboo, WI.

The bank has 22 employees and holds $178,067k in total assets. With a focus on community banking, the bank has been serving its customers since 02/21/1994.

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Wisconsin River Bank Institution Profile

Established Date02/21/1994Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC)
Primary RegulatorFDICNumber of Domestic Offices3
Number of Foreign Offices0Number of US Offices0
Number of Employees22Directly owned by another bank (CERT)No
Community BankYesZIP53583
Ownership TypeNot MutualCitySauk City
State Alpha codeWIState and County Number55111
Subchapter S CorporationsNoTrust PowersTrust Powers Not Known
Federal Reserve ID Number7Federal Reserve ID Number DescriptionCHICAGO
Office of The Comptroller District:CENTRAL DISTRICTOffice of Thrift Supervision RegionCentral
Last Structure Change Effective Date08/31/2022Date of Deposit Insurance02/21/1994
Primary Insurance AgencyDIF

Institution Profile Overview

Delve into the foundational details of Wisconsin River Bank with our “Institution Profile” table. The 02/21/1994 marks the bank’s inception, providing historical context. Categorized as a Commercial bank, state charter, Fed non-member, and supervised by the Federal Deposit Insurance Corporation (FDIC), the bank operates under the oversight of FDIC, ensuring compliance and regulatory adherence.

3 domestic offices reflect the bank’s physical footprint, while insights into ownership type, trust powers, and regulatory affiliations contribute to understanding its operational structure. Details such as Sauk City, WI, and 53583 provide geographic context. Explore these attributes to gain a holistic view of Wisconsin River Bank in the financial landscape.

Wisconsin River Bank Financials

(USD, in thousands)

Total Assets$178,067Total Liabilities$151,997
Total Equity Capital$26,070Total Deposits$146,883
Net Loans and Leases$137,993Total Interest Income$2,440
Total Noninterest Income$28Total Interest Expense$1,084
Total Noninterest Expense$779Tier 1 Risk-Based Capital Ratio0.00%
Net Loans and Leases to Core DepositsN/AReturn on Assets1.99%
Return on Equity14.03%Efficiency Ratio56.29%

Financial Performance Overview

Gain a comprehensive perspective on Wisconsin River Bank’s financial landscape through our “Financials” table. The bank boasts total assets of $178,067k, showcasing its substantial scale and influential market presence. A nuanced breakdown reveals insights into the bank’s financial structure and stability, with total liabilities standing at $151,997k and total equity capital at $26,070k.

Delve into key operational metrics, including total deposits of $146,883k, net loans and leases at $138k, and a meticulous analysis of income and expense components. Explore vital ratios such as the Tier 1 Risk-Based Capital Ratio, standing at 0, and Return on Assets at 1.99. These metrics provide valuable insights into the bank’s risk management strategies and overall profitability.

This detailed financial overview is designed to enhance your understanding of Wisconsin River Bank’s performance and competitive positioning within the financial industry.

Wisconsin River Bank Additional Financial Information

(USD, in thousands)

Earnings Coverage of Net Loan Charge-Offs(x)N/ANet Loans and Leases to Core DepositsN/A
Tier 1 Risk-Based Capital Ratio0.00%Securities Gains (Losses)$236
Goodwill and Other IntangiblesN/ACost of Funding Earning Assets0.00%
Yield on Earning Assets5.62%Total Interest Income$2,440
Applicable Income Taxes$166Loss Allowance to Loans and Leases1.01%
Net Loans and Leases$137,993Loss Allowance to Noncurrent Loans and Leases1,570.00%
Noncurrent Loans to Loans0.06%Net Income Attributable to Bank and Noncontrolling Interests$897
Net Interest Income$1,356Net Interest Margin3.12%
Net Operating Income to Assets1.57%Noninterest Income to Average Assets0.06%
Total Noninterest Income$28Noninterest Expense to Average Assets1.73%
Total Noninterest Expense$779Net Charge-Offs to Loans and Leases0.00%
All Other AssetsN/AOther Real Estate Owned$0
Other borrowed funds$3,000Pre-tax Net Operating Income$827
Pretax Return on Assets2.36%Return on Assets1.99%
Retained Earnings to Average Equity (YTD only)N/A

Insights into Financial Metrics

Enhance your understanding of Wisconsin River Bank‘s financial standing through our Additional Financial Information table. Explore key metrics such as Net Loans and Leases: $137,993k and Net Interest Income $1,356k to gain valuable insights into the bank’s core operations and revenue streams. Assess the Tier 1 Risk-Based Capital Ratio: 0 for in-depth insights into capital adequacy and risk management strategies.

Delve into the intricacies of Net Charge-Offs to Loans and Leases: 0 to evaluate the bank’s asset quality and risk mitigation efforts. Examine the composition of income through Total Noninterest Income: $28k and evaluate operational efficiency using metrics like Efficiency Ratio: 56.29. This nuanced financial overview empowers a comprehensive analysis of Wisconsin River Bank‘s strategic financial position and performance in the industry.

Frequently Asked Questions (FAQs)

What is the asset size of Wisconsin River Bank?

The asset size of Wisconsin River Bank is approximately $178,067k, reflecting the bank’s scale and market presence.

How does the loan-to-deposit ratio of Wisconsin River Bank compare to industry benchmarks?

The loan-to-deposit ratio is a crucial measure of the bank’s financial health. For Wisconsin River Bank, this ratio stands at
93.95%
(please calculate and adjust this logic based on real data retrieval), compared to industry averages typically ranging from 80% to 90%.

What is the capital adequacy ratio for Wisconsin River Bank?

The Tier 1 Risk-Based Capital Ratio, a key indicator of the bank’s financial stability, is 0.

What is the net interest margin of Wisconsin River Bank, and how has it trended over the past year?

The current net interest margin is 3.12. Historical trends would require a more detailed analysis over the past quarters, which can be provided upon request.

What is the percentage of non-performing loans on Wisconsin River Bank’s balance sheet?

The percentage of non-performing loans is an important metric indicating asset quality. For Wisconsin River Bank, this stands at 0.0646.

Are there any recent regulatory changes that could impact Wisconsin River Bank’s operations?

Regulatory environments are dynamic. Specific recent changes would require further detailed scanning of regulatory updates impacting Wisconsin River Bank. For tailored insights, please consult our expert or access our detailed reports.

What is the history of Wisconsin River Bank?

Wisconsin River Bank was established on 02/21/1994. It has been serving the community for several decades, continuously adapting to the changing financial landscape. For a detailed history, please refer to the bank’s about page.

Is Wisconsin River Bank FDIC insured?

Yes, Wisconsin River Bank is FDIC insured, ensuring that deposits are protected up to the applicable limits. This underlines the bank’s commitment to maintaining customer trust and financial security.

What is the routing number for Wisconsin River Bank in OK?

The routing number for Wisconsin River Bank in Oklahoma is not available. It’s recommended to verify with the bank directly for transactions.

How big is Wisconsin River Bank?

Wisconsin River Bank is a significant player in the financial sector with total assets valued at $178,067k and a network of 3 domestic offices.

Is Wisconsin River Bank a local bank?

Wisconsin River Bank is often considered a local bank due to its strong community focus and local market presence, despite having a broader operational reach. This combination allows it to serve local communities effectively while benefiting from larger-scale operations.

This table provides key financial information about Wisconsin River Bank. Get more data about Wisconsin River Bank on Visbanking Report Portal.