FDIC Certificate #: 35016 Status: Active Federal Reserve ID: 2797171 Bank Holding Company (Regulatory Top Holder): Central Wisconsin Financial Services, Inc. (RSSDID: 3272376, Location: Wausau, WI) Date Established: May 25, 1999 WWW:http://www.bankofwausau.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 73840 Numeric code: 21 Regulator: FDIC 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: May 25, 1999 Last Structure Change Effective Date: Febuary 11, 2011 Last Structure Change Process Date: Febuary 14, 2011 Last Data Update: Febuary 14, 2011 Data Source Date: April 05, 2012
Location
Address: 2010 West Stewart Avenue, Wausau, WI 54402 County: Marathon Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Appleton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Wausau, WI (#8940) Combined Statistical Area (CSA): Wausau-Merrill, WI (#554) Core Based Statistical Area (CBSA): Wausau, WI (#48140) CBSA Metro Statistical Area: Wausau, WI (#48140)
Financial Summary
Total assets: $66.7 mil Equity capital: $3.2 mil Deposits held in domestic offices: $59.9 mil Return on assets (ROA): -3.17% (-$2.1 mil) Quarterly return on assets: -3.11% (-$2.1 mil) Return on Equity (ROE): -53.98% (-$1.6 mil) Quarterly return on equity: -61.53% (-$1.8 mil) Net income: -$2.3 mil Quarterly Net income: -$0.5 mil Pretax return on assets: -3.25% (-$2,166.5 mil) Quarterly Pretax return on assets: -3.46% (-$2,306.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$66,663Total assets
$5,825Cash and due from depository institutions
$5,434Interest-bearing balances
$7,635Securities
$0Federal funds sold & reverse repurchase agreements
$45,472Net loans & leases
$1,642Loan loss allowance
$0Trading account assets
$2,286Bank premises and fixed assets
$3,962Other real estate owned
$0Goodwill and other intangibles
$66,663Life insurance assets
$1,483All other assets
$63,462Total liabilities and capital
$59,903Total liabilities
$56,385Total deposits
$59,903Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,200Trading liabilities
$0Other borrowed funds
$359Subordinated debt
$3,201All other liabilities
$3,201Total equity capital
$3,201Total bank equity capital
$0Perpetual preferred stock
$1,612Common stock
$6,543Surplus
$-4,954Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,865Income earned, not collected on loans
$0Earning assets
$225Long-term assets (5+ years)
$58,541Average Assets, year-to-date
$1,570Average Assets, quarterly
$73,156Volatile liabilities
$68,769Insider loans
$52,851FHLB advances
$68,375Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,175Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,166Restructured Loans and leases
$2,443Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,345Total interest income
$1,018Total interest expense
$2,327Net interest income
$1,030Provision for loan and lease losses
-$258Total noninterest income
$0Fiduciary activities
$43Service charges on deposit accounts
$0Trading account gains & fees
-$301Additional noninterest income
$3,417Total noninterest expense
$1,249Salaries and employee benefits
$209Premises and equipment expense
$1,959Additional noninterest expense
-$2,378Pre-tax net operating income
$0Securities gains (losses)
-$60Applicable income taxes
-$2,318Income before extraordinary items
$0Extraordinary gains - net
-$2,318Net income attributable to bank
$0Net charge-offs
-$2,318Cash dividends
$1,441Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.14%Yield on earning assets
1.56%Cost of funding earning assets
3.58%Net interest margin
-0.40%Noninterest income to earning assets
5.25%Noninterest expense to earning assets
-3.17%Net operating income to assets
-3.17%Return on assets (ROA)
-3.25%Pretax return on assets
-53.98%Return on equity (ROE)
-53.98%Retained earnings to average equity (YTD only)
2.59%Net charge-offs to loans
71.48%Credit loss provision to net charge-offs
-0.94%Efficiency ratio
165,152Assets per employee
4.17%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.49%Loss allowance to noncurrent loans
42.48%Noncurrent assets plus other real estate owned to assets
13.99%Noncurrent loans to loans
8.20%Net loans and leases to deposits
75.91%Net loans and leases to core deposits
77.05%Equity capital to assets
4.80%Core capital (leverage) ratio
4.64%Tier 1 risk-based capital ratio
6.01%Total risk-based capital ratio
Memoranda
$7Average assets
$73,156Average earning assets
$4,294Average equity
$65,075Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
73840
Bank Of Wausau
2010 West Stewart Avenue, Wausau, WI 54402
May 25, 1999
Full Service Brick and Mortar
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