Vitals
  • Total Assets
    241.1M 2.2 %
  • Total Deposits
    221.4M 2.4 %
  • Total Net Loans
    149.9M 1.2 %
  • Net Income
    2.3M 12.1 %
  • Book Value
    19.5M 0.0 %
  • Book Value x2
    39.0M 0.0 %
  • Book Value x3
    58.5M 0.0 %
ROAA

.962

ROAE

11.678

Efficiency Ratio

69.001

Net Interest Margin

3.043

Balance Sheet Highlights
Financial Highlights Northern State Bank All Insured Commercial Banks in Wisconsin
Balance Sheet $(000)
Total Assets 241,082 272,940
Total Net Loans 149,886 188,306
Total Deposits 221,392 228,985
Total Equity 19,499 30,879
Profitability
Net Income 2,324 3,013
Return on Average Assets .962 1.04
Return on Average Equity 11.678 8.894
Net Interest Margin 3.043 3.727
Efficiency Ratio 69.001 64.939
Noninterest Income/Revenue 10.544 14.969
Balance Sheet Ratios
Loan-to-Deposit 67.702 81.441
Securities/Assets .305 .167
Total Equity/Total Assets .081 .113
Tangible Equity/Tangible Assets .081 .11
Capital Adequacy
Tier 1 Common Capital 20,112 29,936
Tier 1 Capital 20,112 29,937
Tier 2 Capital 1,206 2,305
Total Capital 21,318 32,273
Total Risk Weighted Assets 131,920 202,263
Leverage Ratio 8.23 11.31
Common Equity Tier 1 Capital Ratio 15.25 15.769
Tier 1 Capital Ratio 15.25 15.771
Total Capital Ratio 16.16 16.923

Timeline for Northern State Bank

State Bank Of Aurora

Acquisition: Northern State Bank acquired a new subsidiary, State Bank Of Aurora, 14 years

View Profile Mar 20 2010

Nsb Investments, Inc.

Nsb Investments, Inc. became a new subsidiary organization for Northern State Bank.

View Profile Dec 06 1994

Bay Area Banking Shares, Inc.

Bay Area Banking Shares, Inc. became a new parent organization for Northern State Bank.

View Profile Jan 03 1983

Northern State Bank

Northern State Bank was established 90 years ago and is currently headquartered in Ashland, WI.

Sep 05 1933
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
State Bank Of Aurora Seller 28,159 Failure 3/20/2010
Relationships Role Relationship Start Relationship End
Bay Area Banking Shares, Inc. Parent 12/31/1998
Bay Area Banking Shares, Inc. Parent 1/3/1983 12/30/1998
Nsb Investments, Inc. Subsidary 12/6/1994 12/31/1998
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