Bank of Wisconsin Dells in Wisconsin Dells, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Wisconsin Dells in Wisconsin Dells, Wisconsin (WI)
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Bank of Wisconsin Dells - Overview

  • General
  • FDIC Certificate #: 15136
    Status: Active
    Federal Reserve ID: 894348
    Bank Holding Company (Regulatory Top Holder): Dells Bancshares, Inc. (RSSDID: 3059746, Location: Wisconsin Dells, WI)
    Date Established: Febuary 26, 1910
    WWW: http://www.dellsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 9508
    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: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 716 Superior Street, Wisconsin Dells, WI 53965
    County: Columbia
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $374.4 mil
    Equity capital: $38.8 mil
    Deposits held in domestic offices: $323.2 mil
    Return on assets (ROA): 0.85% ($3.2 mil)
    Quarterly return on assets: 0.82% ($3.1 mil)
    Return on Equity (ROE): 8.80% ($3.4 mil)
    Quarterly return on equity: 8.15% ($3.2 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.24% ($4,642.8 mil)
    Quarterly Pretax return on assets: 1.20% ($4,493.0 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
  • 70Total employees (full-time equivalent)
  • $374,419Total assets
  • $18,393Cash and due from depository institutions
  • $7,902Interest-bearing balances
  • $64,342Securities
  • $83Federal funds sold & reverse repurchase agreements
  • $268,750Net loans & leases
  • $5,017Loan loss allowance
  • $0Trading account assets
  • $8,055Bank premises and fixed assets
  • $2,068Other real estate owned
  • $301Goodwill and other intangibles
  • $374,419Life insurance assets
  • $12,427All other assets
  • $335,641Total liabilities and capital
  • $323,190Total liabilities
  • $287,216Total deposits
  • $323,190Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,750Trading liabilities
  • $0Other borrowed funds
  • $3,701Subordinated debt
  • $38,778All other liabilities
  • $38,778Total equity capital
  • $38,778Total bank equity capital
  • $0Perpetual preferred stock
  • $3,150Common stock
  • $18,500Surplus
  • $17,128Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,029Income earned, not collected on loans
  • $0Earning assets
  • $2,472Long-term assets (5+ years)
  • $341,077Average Assets, year-to-date
  • $48,617Average Assets, quarterly
  • $386,105Volatile liabilities
  • $383,916Insider loans
  • $292,009FHLB advances
  • $380,824Loans and leases held for sale
  • $7,063Unused loan commitments
  • $7,063Tier 1 (core) risk-based capital
  • $37,774Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,546Restructured Loans and leases
  • $1,302Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,127Total interest income
  • $3,242Total interest expense
  • $14,885Net interest income
  • $2,850Provision for loan and lease losses
  • $1,424Total noninterest income
  • $0Fiduciary activities
  • $507Service charges on deposit accounts
  • $0Trading account gains & fees
  • $917Additional noninterest income
  • $8,707Total noninterest expense
  • $4,517Salaries and employee benefits
  • $849Premises and equipment expense
  • $3,341Additional noninterest expense
  • $4,752Pre-tax net operating income
  • $41Securities gains (losses)
  • $1,506Applicable income taxes
  • $3,287Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,287Net income attributable to bank
  • $0Net charge-offs
  • $3,287Cash dividends
  • $3,071Sale, conversion, retirement of capital stock, net
  • $688Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 4.26%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.49%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.24%Pretax return on assets
  • 8.80%Return on equity (ROE)
  • 6.96%Retained earnings to average equity (YTD only)
  • 1.12%Net charge-offs to loans
  • 92.80%Credit loss provision to net charge-offs
  • 2.48%Efficiency ratio
  • 53,388Assets per employee
  • 5.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.93%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 62.49%Noncurrent assets plus other real estate owned to assets
  • 2.70%Noncurrent loans to loans
  • 2.93%Net loans and leases to deposits
  • 83.16%Net loans and leases to core deposits
  • 107.70%Equity capital to assets
  • 10.36%Core capital (leverage) ratio
  • 9.92%Tier 1 risk-based capital ratio
  • 12.94%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $386,105Average earning assets
  • $37,356Average equity
  • $349,474Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09508Bank Of Wisconsin Dells716 Superior Street, Wisconsin Dells, WI 53965Febuary 26, 1910Full Service Brick and Mortar
    1233284Lake Delton Branch50 Adams Street, East, Lake Delton, WI 53940June 03, 1968Full Service Brick and Mortar
    2233285Portage Branch2930 New Pinery Road, Portage, WI 53901July 17, 1996Full Service Brick and Mortar

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