WOODTRUST BANK, N. A. in Wisconsin Rapids, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • WOODTRUST BANK, N. A. in Wisconsin Rapids, Wisconsin (WI)
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WOODTRUST BANK, N. A. - Overview

  • General
  • FDIC Certificate #: 5335
    Status: Active
    Federal Reserve ID: 833749
    Bank Holding Company (Regulatory Top Holder): Woodtrust Financial Corp (RSSDID: 1020582, Location: Wisconsin Rapids, WI)
    Date Established: August 11, 1891
    WWW: http://www.woodtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13592
    FDIC's unique #: 3599
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 01, 2009
    Last Structure Change Process Date: January 28, 2009
    Last Data Update: January 28, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 181 Second 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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $331.4 mil
    Equity capital: $32.6 mil
    Deposits held in domestic offices: $274.2 mil
    Return on assets (ROA): 2.11% ($7.0 mil)
    Quarterly return on assets: 1.37% ($4.5 mil)
    Return on Equity (ROE): 19.80% ($6.5 mil)
    Quarterly return on equity: 13.05% ($4.3 mil)
    Net income: $6.8 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 2.13% ($7,058.1 mil)
    Quarterly Pretax return on assets: 1.40% ($4,639.1 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
  • 86Total employees (full-time equivalent)
  • $331,364Total assets
  • $45,221Cash and due from depository institutions
  • $35,817Interest-bearing balances
  • $109,251Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $164,425Net loans & leases
  • $2,873Loan loss allowance
  • $0Trading account assets
  • $2,413Bank premises and fixed assets
  • $2,283Other real estate owned
  • $233Goodwill and other intangibles
  • $331,364Life insurance assets
  • $7,538All other assets
  • $298,793Total liabilities and capital
  • $274,174Total liabilities
  • $211,466Total deposits
  • $274,174Interest-bearing deposits
  • $66Deposits held in domestic offices
  • 21866.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,753Subordinated debt
  • $32,571All other liabilities
  • $32,571Total equity capital
  • $32,571Total bank equity capital
  • $0Perpetual preferred stock
  • $1,355Common stock
  • $14,959Surplus
  • $16,257Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,235Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,408Income earned, not collected on loans
  • $134Earning assets
  • $1,184Long-term assets (5+ years)
  • $309,493Average Assets, year-to-date
  • $48,834Average Assets, quarterly
  • $319,968Volatile liabilities
  • $325,400Insider loans
  • $222,318FHLB advances
  • $327,647Loans and leases held for sale
  • $802Unused loan commitments
  • $802Tier 1 (core) risk-based capital
  • $31,201Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $69,082Restructured Loans and leases
  • $10,871Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,560Total interest income
  • $969Total interest expense
  • $9,591Net interest income
  • $675Provision for loan and lease losses
  • $8,088Total noninterest income
  • $5,793Fiduciary activities
  • $699Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,596Additional noninterest income
  • $10,352Total noninterest expense
  • $5,379Salaries and employee benefits
  • $904Premises and equipment expense
  • $4,069Additional noninterest expense
  • $6,652Pre-tax net operating income
  • $162Securities gains (losses)
  • $51Applicable income taxes
  • $6,763Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,763Net income attributable to bank
  • $0Net charge-offs
  • $6,763Cash dividends
  • $756Sale, conversion, retirement of capital stock, net
  • $6,552Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.53%Yield on earning assets
  • 0.32%Cost of funding earning assets
  • 3.20%Net interest margin
  • 2.70%Noninterest income to earning assets
  • 3.46%Noninterest expense to earning assets
  • 2.06%Net operating income to assets
  • 2.11%Return on assets (ROA)
  • 2.13%Pretax return on assets
  • 19.80%Return on equity (ROE)
  • 0.62%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 89.29%Credit loss provision to net charge-offs
  • 9.69%Efficiency ratio
  • 58,555Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.88%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 204.05%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 0.84%Net loans and leases to deposits
  • 59.97%Net loans and leases to core deposits
  • 62.07%Equity capital to assets
  • 9.83%Core capital (leverage) ratio
  • 9.52%Tier 1 risk-based capital ratio
  • 14.03%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $319,968Average earning assets
  • $34,160Average equity
  • $299,510Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $952,317Managed Assets
  • 1Number of Accounts
  • $599,161Personal trust and agency accounts
  • $441,675Employee benefit-defined contribution accounts
  • $231Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $108,455Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $48,800Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1090Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $353,156Other retirement accounts
  • $53,737Corporate trust and agency accounts
  • $263,404Other fiduciary accounts
  • $35,587Fiduciary accounts held in foreign offices

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03599Woodtrust Bank, N. A.181 Second Street South, Wisconsin Rapids, WI 54494August 11, 1891Full Service Brick and Mortar
    1207582Wazeecha Branch4510 Kellner Road, Grand Rapids Township, WI 54494November 30, 1973Full Service Brick and Mortar
    2126032651 8th Street Office2651 8th Street South, Wisconsin Rapids, WI 54494April 08, 1963Full Service Brick and Mortar
    3207583Plover Branch1900 Plover Road, Plover, WI 54467March 15, 1996Full Service Brick and Mortar
    5468102500 1st Street Branch500 1st Street, Suite 1000, Wausau, WI 54403August 03, 2007Full Service Brick and Mortar

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