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

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WOODTRUST BANK, N. A. routing number info

Table of contents:
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)86
Total assets$331,364
Cash and due from depository institutions$45,221
Interest-bearing balances$35,817
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$164,425
Loan loss allowance $2,873
Trading account assets$0
Bank premises and fixed assets$2,413
Other real estate owned$2,283
Goodwill and other intangibles$233
All other assets$7,538
Life insurance assets$331,364
Total liabilities and capital$298,793
Total liabilities$274,174
Total deposits$211,466
Interest-bearing deposits$274,174
Deposits held in domestic offices$66
% insured (estimated)21866.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,753
All other liabilities $32,571
Total equity capital$32,571
Total bank equity capital$32,571
Perpetual preferred stock$0
Common stock$1,355
Undivided profits $16,257
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,235
Income earned, not collected on loans $1,408
Earning assets $134
Long-term assets (5+ years) $1,184
Average Assets, year-to-date $309,493
Average Assets, quarterly $48,834
Volatile liabilities $319,968
Insider loans $325,400
FHLB advances $222,318
Loans and leases held for sale $327,647
Unused loan commitments $802
Tier 1 (core) risk-based capital $802
Tier 2 risk-based capital $31,201
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $69,082
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,560
Total interest expense $969
Net interest income $9,591
Provision for loan and lease losses $675
Total noninterest income $8,088
Fiduciary activities $5,793
Service charges on deposit accounts $699
Trading account gains & fees $0
Additional noninterest income $1,596
Total noninterest expense $10,352
Salaries and employee benefits $5,379
Premises and equipment expense $904
Additional noninterest expense $4,069
Pre-tax net operating income $6,652
Securities gains (losses) $162
Applicable income taxes $51
Income before extraordinary items $6,763
Extraordinary gains - net $0
Net income attributable to bank $6,763
Net charge-offs $0
Cash dividends $6,763
Sale, conversion, retirement of capital stock, net $756
Net operating income $6,552
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.53%
Cost of funding earning assets 0.32%
Net interest margin 3.20%
Noninterest income to earning assets 2.70%
Noninterest expense to earning assets 3.46%
Net operating income to assets 2.06%
Return on assets (ROA) 2.11%
Pretax return on assets 2.13%
Return on equity (ROE) 19.80%
Retained earnings to average equity (YTD only) 0.62%
Net charge-offs to loans 0.46%
Credit loss provision to net charge-offs 89.29%
Efficiency ratio9.69%
Assets per employee$58,555
Cash dividends to net income (YTD only)3.85%
Condition Ratios (%)
Loss allowance to loans 96.88%
Loss allowance to noncurrent loans 1.72%
Noncurrent assets plus other real estate owned to assets 204.05%
Noncurrent loans to loans 1.11%
Net loans and leases to deposits0.84%
Net loans and leases to core deposits 59.97%
Equity capital to assets 62.07%
Core capital (leverage) ratio 9.83%
Tier 1 risk-based capital ratio 9.52%
Total risk-based capital ratio 14.03%
Average assets$15
Average earning assets$319,968
Average equity $34,160
Average loans $299,510
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$952,317
Number of Accounts1
Personal trust and agency accounts$599,161
Employee benefit-defined contribution accounts$441,675
Employee benefit-defined benefit accounts$231
Other retirement accounts$0
Corporate trust and agency accounts$108,455
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$48,800
Non-managed Assets$0
Number of Accounts1090
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$353,156
Corporate trust and agency accounts$53,737
Other fiduciary accounts$263,404
Fiduciary accounts held in foreign offices$35,587
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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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