Sunset Bank & Savings in Waukesha, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Sunset Bank & Savings in Waukesha, Wisconsin (WI)
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Sunset Bank & Savings - Overview

  • General
  • FDIC Certificate #: 35043
    Status: Active
    Federal Reserve ID: 2756767
    Bank Holding Company (Regulatory Top Holder): Waukesha Bankshares, Inc. (RSSDID: 2756776, Location: Waukesha, WI)
    Date Established: August 16, 1999
    WWW: http://www.sunsetbankandsavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 74347
    Numeric code: 41
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: August 16, 1999
    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: 521 West Sunset Drive, Waukesha, WI 53189
    County: Waukesha
    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): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $135.7 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $120.1 mil
    Return on assets (ROA): 0.40% ($0.5 mil)
    Quarterly return on assets: 0.25% ($0.3 mil)
    Return on Equity (ROE): 4.00% ($0.6 mil)
    Quarterly return on equity: 2.45% ($0.3 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.48% ($651.6 mil)
    Quarterly Pretax return on assets: 0.23% ($312.2 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
  • 35Total employees (full-time equivalent)
  • $135,740Total assets
  • $7,735Cash and due from depository institutions
  • $70Interest-bearing balances
  • $27,519Securities
  • $171Federal funds sold & reverse repurchase agreements
  • $81,020Net loans & leases
  • $1,329Loan loss allowance
  • $0Trading account assets
  • $5,006Bank premises and fixed assets
  • $3,863Other real estate owned
  • $6Goodwill and other intangibles
  • $135,739Life insurance assets
  • $10,420All other assets
  • $121,468Total liabilities and capital
  • $120,128Total liabilities
  • $109,879Total deposits
  • $120,128Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,340Subordinated debt
  • $14,271All other liabilities
  • $14,271Total equity capital
  • $14,271Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $13,283Surplus
  • $788Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,962Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,471Income earned, not collected on loans
  • $0Earning assets
  • $614Long-term assets (5+ years)
  • $108,780Average Assets, year-to-date
  • $29,078Average Assets, quarterly
  • $137,467Volatile liabilities
  • $136,745Insider loans
  • $89,282FHLB advances
  • $134,571Loans and leases held for sale
  • $5,208Unused loan commitments
  • $5,208Tier 1 (core) risk-based capital
  • $11,672Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,519Restructured Loans and leases
  • $3,651Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,802Total interest income
  • $1,522Total interest expense
  • $4,280Net interest income
  • $531Provision for loan and lease losses
  • $1,199Total noninterest income
  • $0Fiduciary activities
  • $165Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,034Additional noninterest income
  • $4,511Total noninterest expense
  • $2,436Salaries and employee benefits
  • $531Premises and equipment expense
  • $1,544Additional noninterest expense
  • $437Pre-tax net operating income
  • $224Securities gains (losses)
  • $109Applicable income taxes
  • $552Income before extraordinary items
  • $0Extraordinary gains - net
  • $552Net income attributable to bank
  • $0Net charge-offs
  • $552Cash dividends
  • $550Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.91%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 4.12%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.48%Pretax return on assets
  • 4.00%Return on equity (ROE)
  • 4.00%Retained earnings to average equity (YTD only)
  • 0.65%Net charge-offs to loans
  • 96.55%Credit loss provision to net charge-offs
  • 1.76%Efficiency ratio
  • 82,333Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 53.78%Noncurrent assets plus other real estate owned to assets
  • 4.67%Noncurrent loans to loans
  • 3.00%Net loans and leases to deposits
  • 67.44%Net loans and leases to core deposits
  • 69.49%Equity capital to assets
  • 10.51%Core capital (leverage) ratio
  • 8.67%Tier 1 risk-based capital ratio
  • 13.07%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $137,467Average earning assets
  • $13,807Average equity
  • $109,460Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074347Sunset Bank & Savings521 West Sunset Drive, Waukesha, WI 53189August 16, 1999Full Service Brick and Mortar
    1432369Grandview Boulevard Branch2500 North Grandview Boulevard, Waukesha, WI 53188September 20, 2004Full Service Brick and Mortar
    2446102Highway 164 Branch1710 Paramount Drive, Waukesha, WI 53186November 07, 2005Full Service Brick and Mortar

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