Paper City Savings Association in Wisconsin Rapids, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Paper City Savings Association in Wisconsin Rapids, Wisconsin (WI)
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Paper City Savings Association - Overview

  • General
  • FDIC Certificate #: 29676
    Status: Active
    Federal Reserve ID: 102874
    Date Established: January 01, 1933
    WWW: http://www.papercitysavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 3871
    FDIC's unique #: 42510
    Numeric code: 36
    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: May 26, 1958
    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: 4200 8th Street South, 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
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $156.8 mil
    Equity capital: $14.6 mil
    Deposits held in domestic offices: $141.2 mil
    Return on assets (ROA): 0.56% ($0.9 mil)
    Quarterly return on assets: 0.70% ($1.1 mil)
    Return on Equity (ROE): 6.23% ($0.9 mil)
    Quarterly return on equity: 7.67% ($1.2 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.93% ($1,457.8 mil)
    Quarterly Pretax return on assets: 1.17% ($1,834.0 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
  • 38Total employees (full-time equivalent)
  • $156,754Total assets
  • $19,559Cash and due from depository institutions
  • $17,851Interest-bearing balances
  • $7,038Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $124,116Net loans & leases
  • $668Loan loss allowance
  • $0Trading account assets
  • $1,279Bank premises and fixed assets
  • $51Other real estate owned
  • $423Goodwill and other intangibles
  • $156,754Life insurance assets
  • $4,288All other assets
  • $142,116Total liabilities and capital
  • $141,184Total liabilities
  • $138,872Total deposits
  • $141,184Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $932Subordinated debt
  • $14,638All other liabilities
  • $14,638Total equity capital
  • $14,638Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $14,638Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,396Income earned, not collected on loans
  • $0Earning assets
  • $385Long-term assets (5+ years)
  • $149,005Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $157,630Volatile liabilities
  • $158,119Insider loans
  • $87,314FHLB advances
  • $156,754Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,638Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,231Restructured Loans and leases
  • $749Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,511Total interest income
  • $1,889Total interest expense
  • $4,622Net interest income
  • $300Provision for loan and lease losses
  • $717Total noninterest income
  • $0Fiduciary activities
  • $141Service charges on deposit accounts
  • $0Trading account gains & fees
  • $576Additional noninterest income
  • $3,572Total noninterest expense
  • $2,082Salaries and employee benefits
  • $617Premises and equipment expense
  • $873Additional noninterest expense
  • $1,467Pre-tax net operating income
  • $0Securities gains (losses)
  • $583Applicable income taxes
  • $884Income before extraordinary items
  • $0Extraordinary gains - net
  • $884Net income attributable to bank
  • $0Net charge-offs
  • $884Cash dividends
  • $79Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.37%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.10%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 6.23%Return on equity (ROE)
  • 6.23%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 379.75%Credit loss provision to net charge-offs
  • 22.37%Efficiency ratio
  • 66,904Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.54%Loss allowance to noncurrent loans
  • 27.88%Noncurrent assets plus other real estate owned to assets
  • 1.56%Noncurrent loans to loans
  • 1.92%Net loans and leases to deposits
  • 87.91%Net loans and leases to core deposits
  • 90.77%Equity capital to assets
  • 9.34%Core capital (leverage) ratio
  • 9.34%Tier 1 risk-based capital ratio
  • 16.76%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $157,630Average earning assets
  • $14,189Average equity
  • $148,926Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042510Paper City Savings Association4200 8th Street South, Wisconsin Rapids, WI 54494January 01, 1933Full Service Brick and Mortar
    102495510555 West Grand Avenue555 West Grand Ave, Wisconsin Rapids, WI 54495June 08, 2003Full Service Brick and Mortar
    103495511226 Market St Branch226 Market St, Nekoosa, WI 54457June 30, 2004Full Service Brick and Mortar

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