The National Bank of Waupun in Waupun, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

The National Bank of Waupun - Overview

  • General
  • FDIC Certificate #: 5331
    Status: Active
    Federal Reserve ID: 881544
    Bank Holding Company (Regulatory Top Holder): National Bancshares Waupun, Inc. (RSSDID: 1248555, Location: Waupun, WI)
    Date Established: September 01, 1905
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 3596
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 210 East Main Street, Waupun, WI 53963
    County: Fond Du Lac
    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
    Combined Statistical Area (CSA): Fond du Lac-Beaver Dam, WI (#252)
    Core Based Statistical Area (CBSA): Fond du Lac, WI (#22540)
    CBSA Metro Statistical Area: Fond du Lac, WI (#22540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $132.0 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $119.5 mil
    Return on assets (ROA): 0.61% ($0.8 mil)
    Quarterly return on assets: 0.72% ($1.0 mil)
    Return on Equity (ROE): 6.51% ($0.8 mil)
    Quarterly return on equity: 7.63% ($0.9 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.75% ($990.1 mil)
    Quarterly Pretax return on assets: 0.91% ($1,201.3 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
  • 27Total employees (full-time equivalent)
  • $132,015Total assets
  • $9,495Cash and due from depository institutions
  • $4,655Interest-bearing balances
  • $24,790Securities
  • $12,161Federal funds sold & reverse repurchase agreements
  • $77,238Net loans & leases
  • $1,295Loan loss allowance
  • $0Trading account assets
  • $774Bank premises and fixed assets
  • $1,781Other real estate owned
  • $380Goodwill and other intangibles
  • $132,015Life insurance assets
  • $5,396All other assets
  • $119,738Total liabilities and capital
  • $119,502Total liabilities
  • $92,974Total deposits
  • $119,502Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $236Subordinated debt
  • $12,277All other liabilities
  • $12,277Total equity capital
  • $12,277Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $300Surplus
  • $11,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,916Income earned, not collected on loans
  • $0Earning assets
  • $716Long-term assets (5+ years)
  • $118,844Average Assets, year-to-date
  • $13,464Average Assets, quarterly
  • $125,358Volatile liabilities
  • $128,932Insider loans
  • $83,963FHLB advances
  • $127,817Loans and leases held for sale
  • $3,156Unused loan commitments
  • $2,189Tier 1 (core) risk-based capital
  • $11,108Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $967Total unused commitments
  • $12,335Restructured Loans and leases
  • $2,192Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,484Total interest income
  • $922Total interest expense
  • $4,562Net interest income
  • $920Provision for loan and lease losses
  • $718Total noninterest income
  • $0Fiduciary activities
  • $199Service charges on deposit accounts
  • $0Trading account gains & fees
  • $519Additional noninterest income
  • $3,414Total noninterest expense
  • $1,607Salaries and employee benefits
  • $354Premises and equipment expense
  • $1,453Additional noninterest expense
  • $946Pre-tax net operating income
  • $0Securities gains (losses)
  • $184Applicable income taxes
  • $762Income before extraordinary items
  • $0Extraordinary gains - net
  • $762Net income attributable to bank
  • $0Net charge-offs
  • $762Cash dividends
  • $415Sale, conversion, retirement of capital stock, net
  • $31Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.03%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.01%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 6.51%Return on equity (ROE)
  • 6.25%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 221.69%Credit loss provision to net charge-offs
  • 4.50%Efficiency ratio
  • 63,845Assets per employee
  • 4.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.07%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 21.89%Noncurrent assets plus other real estate owned to assets
  • 5.83%Noncurrent loans to loans
  • 7.53%Net loans and leases to deposits
  • 64.63%Net loans and leases to core deposits
  • 67.80%Equity capital to assets
  • 9.30%Core capital (leverage) ratio
  • 8.69%Tier 1 risk-based capital ratio
  • 13.23%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $125,358Average earning assets
  • $11,700Average equity
  • $113,250Average loans

List of branches

  • 4 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03596The National Bank Of Waupun210 East Main Street, Waupun, WI 53963September 01, 1905Full Service Brick and Mortar
    1207577Brandon Branch102 South Woodward Street, Brandon, WI 53919Febuary 26, 1999Full Service Brick and Mortar
    2227875Fair Water Branch407 Main St., Fairwater, WI 53931December 31, 1934Full Service Brick and Mortar
    38237Rosendale Branch100 Lafayette Street, Rosendale, WI 54974January 01, 1903Full Service Brick and Mortar

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