KeySavings Bank in Wisconsin Rapids, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • KeySavings Bank in Wisconsin Rapids, Wisconsin (WI)
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KeySavings Bank - Overview

  • General
  • FDIC Certificate #: 29691
    Status: Active
    Federal Reserve ID: 208972
    Date Established: January 01, 1920
    WWW: http://www.keysavingsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3894
    FDIC's unique #: 42525
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: Febuary 12, 1951
    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: 811 East Grand Avenue, Wisconsin Rapids, WI 54494
    County: Wood
    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
    Core Based Statistical Area (CBSA): Marshfield-Wisconsin Rapids, WI (#32270)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $79.6 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $67.1 mil
    Return on assets (ROA): -0.06% (-$0.0 mil)
    Quarterly return on assets: -0.09% (-$0.1 mil)
    Return on Equity (ROE): -0.42% (-$0.1 mil)
    Quarterly return on equity: -0.66% (-$0.1 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: -0.16% (-$127.3 mil)
    Quarterly Pretax return on assets: -0.15% (-$119.3 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
  • 18Total employees (full-time equivalent)
  • $79,566Total assets
  • $6,256Cash and due from depository institutions
  • $5,002Interest-bearing balances
  • $25,491Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $40,060Net loans & leases
  • $183Loan loss allowance
  • $0Trading account assets
  • $1,449Bank premises and fixed assets
  • $108Other real estate owned
  • $0Goodwill and other intangibles
  • $79,566Life insurance assets
  • $6,202All other assets
  • $68,017Total liabilities and capital
  • $67,119Total liabilities
  • $66,275Total deposits
  • $67,119Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $898Subordinated debt
  • $11,549All other liabilities
  • $11,549Total equity capital
  • $11,549Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $11,549Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $988Income earned, not collected on loans
  • $0Earning assets
  • $120Long-term assets (5+ years)
  • $70,553Average Assets, year-to-date
  • $34,169Average Assets, quarterly
  • $80,490Volatile liabilities
  • $80,047Insider loans
  • $33,742FHLB advances
  • $80,508Loans and leases held for sale
  • $885Unused loan commitments
  • $885Tier 1 (core) risk-based capital
  • $11,150Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,818Restructured Loans and leases
  • $1,061Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,706Total interest income
  • $866Total interest expense
  • $1,840Net interest income
  • $135Provision for loan and lease losses
  • $160Total noninterest income
  • $0Fiduciary activities
  • $27Service charges on deposit accounts
  • $0Trading account gains & fees
  • $133Additional noninterest income
  • $1,993Total noninterest expense
  • $1,104Salaries and employee benefits
  • $210Premises and equipment expense
  • $679Additional noninterest expense
  • -$128Pre-tax net operating income
  • $0Securities gains (losses)
  • -$80Applicable income taxes
  • -$48Income before extraordinary items
  • $0Extraordinary gains - net
  • -$48Net income attributable to bank
  • $0Net charge-offs
  • -$48Cash dividends
  • $150Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.79%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 2.58%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.79%Noninterest expense to earning assets
  • -0.06%Net operating income to assets
  • -0.06%Return on assets (ROA)
  • -0.16%Pretax return on assets
  • -0.42%Return on equity (ROE)
  • -0.42%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 90.00%Credit loss provision to net charge-offs
  • 0.05%Efficiency ratio
  • 99,650Assets per employee
  • 4.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.45%Loss allowance to noncurrent loans
  • 18.52%Noncurrent assets plus other real estate owned to assets
  • 1.38%Noncurrent loans to loans
  • 2.46%Net loans and leases to deposits
  • 59.69%Net loans and leases to core deposits
  • 61.96%Equity capital to assets
  • 14.51%Core capital (leverage) ratio
  • 13.85%Tier 1 risk-based capital ratio
  • 33.04%Total risk-based capital ratio
  • Memoranda
  • $34Average assets
  • $80,490Average earning assets
  • $11,560Average equity
  • $71,395Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042525Keysavings Bank811 East Grand Avenue, Wisconsin Rapids, WI 54494January 01, 1920Full Service Brick and Mortar
    2464864Keysavings Bank - Lakes Office Branc292 Matterhorn Trail, Nekoosa, WI 54457July 02, 2007Full Service Brick and Mortar

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