Ladysmith Federal Savings and Loan Association in Ladysmith, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Ladysmith Federal Savings and Loan Association in Ladysmith, Wisconsin (WI)
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Ladysmith Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28983
    Status: Active
    Federal Reserve ID: 686570
    Date Established: June 01, 1934
    WWW: http://www.ladysmithfederal.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 2722
    FDIC's unique #: 41817
    Numeric code: 38
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: October 13, 1934
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 119 West 4th Street North, Ladysmith, WI 54848
    County: Rusk
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $49.1 mil
    Equity capital: $4.6 mil
    Deposits held in domestic offices: $41.3 mil
    Return on assets (ROA): 0.62% ($0.3 mil)
    Quarterly return on assets: 0.87% ($0.4 mil)
    Return on Equity (ROE): 6.86% ($0.3 mil)
    Quarterly return on equity: 9.33% ($0.5 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.88% ($432.2 mil)
    Quarterly Pretax return on assets: 1.23% ($604.1 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
  • 9Total employees (full-time equivalent)
  • $49,112Total assets
  • $3,481Cash and due from depository institutions
  • $2,173Interest-bearing balances
  • $16,580Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,438Net loans & leases
  • $349Loan loss allowance
  • $0Trading account assets
  • $385Bank premises and fixed assets
  • $626Other real estate owned
  • $0Goodwill and other intangibles
  • $49,112Life insurance assets
  • $1,602All other assets
  • $44,465Total liabilities and capital
  • $41,257Total liabilities
  • $39,590Total deposits
  • $41,257Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,635Trading liabilities
  • $0Other borrowed funds
  • $573Subordinated debt
  • $4,647All other liabilities
  • $4,647Total equity capital
  • $4,647Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $4,647Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $952Income earned, not collected on loans
  • $0Earning assets
  • $176Long-term assets (5+ years)
  • $45,191Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $48,028Volatile liabilities
  • $49,272Insider loans
  • $21,681FHLB advances
  • $48,961Loans and leases held for sale
  • $653Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,922Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,046Restructured Loans and leases
  • $392Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,847Total interest income
  • $665Total interest expense
  • $1,182Net interest income
  • $101Provision for loan and lease losses
  • $311Total noninterest income
  • $0Fiduciary activities
  • $12Service charges on deposit accounts
  • $0Trading account gains & fees
  • $299Additional noninterest income
  • $1,018Total noninterest expense
  • $539Salaries and employee benefits
  • $236Premises and equipment expense
  • $243Additional noninterest expense
  • $374Pre-tax net operating income
  • $49Securities gains (losses)
  • $124Applicable income taxes
  • $299Income before extraordinary items
  • $0Extraordinary gains - net
  • $299Net income attributable to bank
  • $0Net charge-offs
  • $299Cash dividends
  • -$136Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 1.51%Cost of funding earning assets
  • 2.69%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 2.31%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.88%Pretax return on assets
  • 6.86%Return on equity (ROE)
  • 6.86%Retained earnings to average equity (YTD only)
  • -0.53%Net charge-offs to loans
  • -74.26%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 68,185Assets per employee
  • 5.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 36.66%Noncurrent assets plus other real estate owned to assets
  • 3.21%Noncurrent loans to loans
  • 3.55%Net loans and leases to deposits
  • 64.08%Net loans and leases to core deposits
  • 73.88%Equity capital to assets
  • 9.46%Core capital (leverage) ratio
  • 9.18%Tier 1 risk-based capital ratio
  • 18.09%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $48,028Average earning assets
  • $4,357Average equity
  • $43,986Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041817Ladysmith Federal Savings And Loan A119 West 4th Street North, Ladysmith, WI 54848June 01, 1934Full Service Brick and Mortar

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