Banks of Wisconsin in Kenosha, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Banks of Wisconsin in Kenosha, Wisconsin (WI)
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Banks of Wisconsin - Overview

  • General
  • FDIC Certificate #: 35386
    Status: Active
    Federal Reserve ID: 2886187
    Bank Holding Company (Regulatory Top Holder): Wisconsin Bancshares, Inc. (RSSDID: 3304996, Location: Kenosha, WI)
    Date Established: June 26, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 78854
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 26, 2000
    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: 5117 Green Bay Road, Kenosha, WI 53144
    County: Kenosha
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Kenosha, WI (#3800)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Lake County-Kenosha County, IL-WI (#29404)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.6 mil
    Equity capital: $8.7 mil
    Deposits held in domestic offices: $145.7 mil
    Return on assets (ROA): -3.45% (-$5.8 mil)
    Quarterly return on assets: -6.04% (-$10.1 mil)
    Return on Equity (ROE): -57.41% (-$5.2 mil)
    Quarterly return on equity: -103.73% (-$9.3 mil)
    Net income: -$6.5 mil
    Quarterly Net income: -$2.6 mil
    Pretax return on assets: -3.45% (-$5,746.0 mil)
    Quarterly Pretax return on assets: -6.04% (-$10,059.7 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
  • 50Total employees (full-time equivalent)
  • $166,552Total assets
  • $9,274Cash and due from depository institutions
  • $6,252Interest-bearing balances
  • $28,382Securities
  • $2,600Federal funds sold & reverse repurchase agreements
  • $114,256Net loans & leases
  • $4,707Loan loss allowance
  • $0Trading account assets
  • $3,254Bank premises and fixed assets
  • $6,260Other real estate owned
  • $0Goodwill and other intangibles
  • $166,552Life insurance assets
  • $2,526All other assets
  • $157,891Total liabilities and capital
  • $145,734Total liabilities
  • $131,086Total deposits
  • $145,734Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,850Trading liabilities
  • $0Other borrowed funds
  • $1,307Subordinated debt
  • $8,661All other liabilities
  • $8,661Total equity capital
  • $8,661Total bank equity capital
  • $0Perpetual preferred stock
  • $2,067Common stock
  • $17,561Surplus
  • $-10,967Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $309Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19,286Income earned, not collected on loans
  • $194Earning assets
  • $633Long-term assets (5+ years)
  • $151,490Average Assets, year-to-date
  • $19,568Average Assets, quarterly
  • $187,572Volatile liabilities
  • $171,711Insider loans
  • $121,647FHLB advances
  • $171,870Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,802Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,671Restructured Loans and leases
  • $8,609Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,332Total interest income
  • $2,486Total interest expense
  • $5,846Net interest income
  • $5,414Provision for loan and lease losses
  • $788Total noninterest income
  • $0Fiduciary activities
  • $253Service charges on deposit accounts
  • $0Trading account gains & fees
  • $535Additional noninterest income
  • $7,697Total noninterest expense
  • $3,130Salaries and employee benefits
  • $968Premises and equipment expense
  • $3,599Additional noninterest expense
  • -$6,477Pre-tax net operating income
  • $15Securities gains (losses)
  • $0Applicable income taxes
  • -$6,462Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6,462Net income attributable to bank
  • $0Net charge-offs
  • -$6,462Cash dividends
  • $5,511Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 1.41%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 4.38%Noninterest expense to earning assets
  • -3.45%Net operating income to assets
  • -3.45%Return on assets (ROA)
  • -3.45%Pretax return on assets
  • -57.41%Return on equity (ROE)
  • -57.41%Retained earnings to average equity (YTD only)
  • 3.95%Net charge-offs to loans
  • 98.24%Credit loss provision to net charge-offs
  • -0.19%Efficiency ratio
  • 116,024Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.96%Loss allowance to noncurrent loans
  • 24.41%Noncurrent assets plus other real estate owned to assets
  • 15.34%Noncurrent loans to loans
  • 16.21%Net loans and leases to deposits
  • 78.40%Net loans and leases to core deposits
  • 83.31%Equity capital to assets
  • 5.20%Core capital (leverage) ratio
  • 3.96%Tier 1 risk-based capital ratio
  • 5.59%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $187,572Average earning assets
  • $11,256Average equity
  • $175,773Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078854Banks Of Wisconsin5117 Green Bay Road, Kenosha, WI 53144June 26, 2000Full Service Brick and Mortar
    2440169South Kenosha Branch8056 39th Avenue, Kenosha, WI 53142April 18, 2005Full Service Brick and Mortar

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