The Equitable Bank, S.S.B. in Wauwatosa, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Equitable Bank, S.S.B. in Wauwatosa, Wisconsin (WI)
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The Equitable Bank, S.S.B. - Overview

  • General
  • FDIC Certificate #: 28614
    Status: Active
    Federal Reserve ID: 336576
    Date Established: January 01, 1927
    WWW: http://www.equitablebank.net
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 1954
    FDIC's unique #: 41448
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 25, 1936
    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: 2290 North Mayfair Road, Wauwatosa, WI 53226
    County: Milwaukee
    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
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $406.8 mil
    Equity capital: $21.6 mil
    Deposits held in domestic offices: $362.2 mil
    Return on assets (ROA): -3.70% (-$15.1 mil)
    Quarterly return on assets: 0.92% ($3.7 mil)
    Return on Equity (ROE): -54.28% (-$11.9 mil)
    Quarterly return on equity: 17.73% ($3.9 mil)
    Net income: -$15.8 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: -2.05% (-$8,339.9 mil)
    Quarterly Pretax return on assets: 0.92% ($3,742.8 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
  • 117Total employees (full-time equivalent)
  • $406,822Total assets
  • $4,263Cash and due from depository institutions
  • $140Interest-bearing balances
  • $27,973Securities
  • $6,828Federal funds sold & reverse repurchase agreements
  • $333,839Net loans & leases
  • $5,537Loan loss allowance
  • $0Trading account assets
  • $13,734Bank premises and fixed assets
  • $14,173Other real estate owned
  • $0Goodwill and other intangibles
  • $406,822Life insurance assets
  • $6,012All other assets
  • $385,210Total liabilities and capital
  • $362,245Total liabilities
  • $345,880Total deposits
  • $362,245Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,700Trading liabilities
  • $0Other borrowed funds
  • $4,265Subordinated debt
  • $21,612All other liabilities
  • $21,612Total equity capital
  • $21,612Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $21,612Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,936Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25,553Income earned, not collected on loans
  • $0Earning assets
  • $1,650Long-term assets (5+ years)
  • $368,780Average Assets, year-to-date
  • $57,749Average Assets, quarterly
  • $427,503Volatile liabilities
  • $410,657Insider loans
  • $288,051FHLB advances
  • $408,102Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $24,556Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,476Restructured Loans and leases
  • $1,514Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,673Total interest income
  • $3,228Total interest expense
  • $14,445Net interest income
  • $6,687Provision for loan and lease losses
  • $899Total noninterest income
  • $0Fiduciary activities
  • $602Service charges on deposit accounts
  • $0Trading account gains & fees
  • $297Additional noninterest income
  • $18,188Total noninterest expense
  • $8,116Salaries and employee benefits
  • $2,944Premises and equipment expense
  • $7,128Additional noninterest expense
  • -$9,531Pre-tax net operating income
  • $781Securities gains (losses)
  • $7,073Applicable income taxes
  • -$15,823Income before extraordinary items
  • $0Extraordinary gains - net
  • -$15,823Net income attributable to bank
  • $0Net charge-offs
  • -$15,823Cash dividends
  • $5,867Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.76%Net interest margin
  • 0.23%Noninterest income to earning assets
  • 4.74%Noninterest expense to earning assets
  • -3.88%Net operating income to assets
  • -3.70%Return on assets (ROA)
  • -2.05%Pretax return on assets
  • -54.28%Return on equity (ROE)
  • -54.28%Retained earnings to average equity (YTD only)
  • 1.66%Net charge-offs to loans
  • 113.98%Credit loss provision to net charge-offs
  • -0.48%Efficiency ratio
  • 118,535Assets per employee
  • 3.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 21.67%Noncurrent assets plus other real estate owned to assets
  • 9.76%Noncurrent loans to loans
  • 7.53%Net loans and leases to deposits
  • 92.16%Net loans and leases to core deposits
  • 95.81%Equity capital to assets
  • 5.31%Core capital (leverage) ratio
  • 6.02%Tier 1 risk-based capital ratio
  • 8.52%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $427,503Average earning assets
  • $29,150Average equity
  • $383,895Average loans

List of branches

  • 9 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041448The Equitable Bank, S.S.b.2290 North Mayfair Road, Wauwatosa, WI 53226January 01, 1927Full Service Brick and Mortar
    1269381Brookfield Branch18815 West Capitol Drive, Brookfield, WI 53005January 01, 1927Full Service Brick and Mortar
    10842029West Allis Branch7400 West Oklahoma Avenue, West Allis, WI 53219January 01, 1927Full Service Brick and Mortar
    1102733506279 S 27th Street Branch6279 S 27th Street, Greenfield, WI 53221January 01, 1927Full Service Brick and Mortar
    11242902Hales Corners Branch5225 South 108th Street, Hales Corners, WI 53130January 01, 1927Full Service Brick and Mortar
    113433184Whitefish Bay Branch705 East Silver Spring Drive, Whitefish Bay, WI 53217November 01, 2004Full Service Brick and Mortar
    114440172Mequon Branch11715 North Port Washington Road, Mequon, WI 53092May 02, 2005Full Service Brick and Mortar
    115465495Delafield BranchN15 W30921 Golf Road, Delafield, WI 53018July 12, 2007Full Service Brick and Mortar
    116470478Waterford Branch701 Trailview Court, Waterford, WI 53185January 21, 2008Full Service Brick and Mortar

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