The Farmers State Bank of Waupaca in Waupaca, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Farmers State Bank of Waupaca in Waupaca, Wisconsin (WI)
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The Farmers State Bank of Waupaca - Overview

  • General
  • FDIC Certificate #: 13033
    Status: Active
    Federal Reserve ID: 879747
    Bank Holding Company (Regulatory Top Holder): Farmers State Bancorporation, Inc. (RSSDID: 1209284, Location: Waupaca, WI)
    Date Established: January 11, 1911
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12942
    FDIC's unique #: 8239
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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 17, 1935
    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: 112 West Fulton Street, Waupaca, WI 54981
    County: Waupaca
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $186.8 mil
    Equity capital: $25.5 mil
    Deposits held in domestic offices: $153.6 mil
    Return on assets (ROA): 1.09% ($2.0 mil)
    Quarterly return on assets: 0.50% ($0.9 mil)
    Return on Equity (ROE): 7.92% ($2.1 mil)
    Quarterly return on equity: 3.55% ($0.9 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.42% ($2,652.9 mil)
    Quarterly Pretax return on assets: 0.53% ($990.2 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
  • 41Total employees (full-time equivalent)
  • $186,823Total assets
  • $12,469Cash and due from depository institutions
  • $9,047Interest-bearing balances
  • $47,940Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $113,120Net loans & leases
  • $1,800Loan loss allowance
  • $0Trading account assets
  • $3,026Bank premises and fixed assets
  • $732Other real estate owned
  • $0Goodwill and other intangibles
  • $186,823Life insurance assets
  • $9,536All other assets
  • $161,275Total liabilities and capital
  • $153,633Total liabilities
  • $133,469Total deposits
  • $153,633Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $2,642Subordinated debt
  • $25,548All other liabilities
  • $25,548Total equity capital
  • $25,548Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $4,259Surplus
  • $20,689Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,183Income earned, not collected on loans
  • $0Earning assets
  • $889Long-term assets (5+ years)
  • $170,107Average Assets, year-to-date
  • $46,415Average Assets, quarterly
  • $185,137Volatile liabilities
  • $186,679Insider loans
  • $130,632FHLB advances
  • $178,967Loans and leases held for sale
  • $6,419Unused loan commitments
  • $6,419Tier 1 (core) risk-based capital
  • $24,519Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,678Restructured Loans and leases
  • $178Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,769Total interest income
  • $1,713Total interest expense
  • $8,056Net interest income
  • $2,135Provision for loan and lease losses
  • $1,009Total noninterest income
  • $0Fiduciary activities
  • $223Service charges on deposit accounts
  • $0Trading account gains & fees
  • $786Additional noninterest income
  • $4,812Total noninterest expense
  • $2,316Salaries and employee benefits
  • $546Premises and equipment expense
  • $1,950Additional noninterest expense
  • $2,118Pre-tax net operating income
  • $510Securities gains (losses)
  • $612Applicable income taxes
  • $2,016Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,016Net income attributable to bank
  • $0Net charge-offs
  • $2,016Cash dividends
  • $2,321Sale, conversion, retirement of capital stock, net
  • $1,962Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.83%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 4.81%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 2.87%Noninterest expense to earning assets
  • 0.88%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 7.92%Return on equity (ROE)
  • 0.21%Retained earnings to average equity (YTD only)
  • 1.95%Net charge-offs to loans
  • 91.99%Credit loss provision to net charge-offs
  • 1.83%Efficiency ratio
  • 53,083Assets per employee
  • 4.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.32%Loss allowance to loans
  • 1.57%Loss allowance to noncurrent loans
  • 152.16%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 73.63%Net loans and leases to core deposits
  • 75.90%Equity capital to assets
  • 13.67%Core capital (leverage) ratio
  • 13.70%Tier 1 risk-based capital ratio
  • 18.77%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $185,137Average earning assets
  • $25,460Average equity
  • $167,511Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08239The Farmers State Bank Of Waupaca112 West Fulton Street, Waupaca, WI 54981January 11, 1911Full Service Brick and Mortar
    1228790Chain O'lakes BranchN2699-N2703 County Qq, King, WI 54946December 02, 1991Full Service Brick and Mortar
    3358260Wild Rose Branch315 Hospitol Rd., Wild Rose, WI 54984May 15, 2000Full Service Brick and Mortar
    4440762Fremont BranchN560 Highway 110, Fremont, WI 54940June 01, 2005Full Service Brick and Mortar

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