WPS Community Bank, FSB in Madison, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • WPS Community Bank, FSB in Madison, Wisconsin (WI)
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WPS Community Bank, FSB - Overview

  • General
  • FDIC Certificate #: 58829
    Status: Active
    Federal Reserve ID: 3815595
    Date Established: January 20, 2009
    WWW: http://www.bankwps.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 18100
    FDIC's unique #: 469758
    Numeric code: 33
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 20, 2009
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 5900 Gisholt Dr, Madison, WI 53713
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $52.2 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $43.2 mil
    Return on assets (ROA): -0.52% (-$0.3 mil)
    Quarterly return on assets: 0.38% ($0.2 mil)
    Return on Equity (ROE): -2.64% (-$0.2 mil)
    Quarterly return on equity: 2.23% ($0.2 mil)
    Net income: -$0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: -0.86% (-$448.9 mil)
    Quarterly Pretax return on assets: 0.62% ($323.6 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
  • 16Total employees (full-time equivalent)
  • $52,196Total assets
  • $1,930Cash and due from depository institutions
  • $1,445Interest-bearing balances
  • $5,413Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $44,251Net loans & leases
  • $399Loan loss allowance
  • $0Trading account assets
  • $243Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $52,196Life insurance assets
  • $359All other assets
  • $43,567Total liabilities and capital
  • $43,210Total liabilities
  • $37,755Total deposits
  • $43,210Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $357Subordinated debt
  • $8,629All other liabilities
  • $8,629Total equity capital
  • $8,629Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $9,900Surplus
  • $-1,371Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $142Long-term assets (5+ years)
  • $51,109Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $43,629Volatile liabilities
  • $51,120Insider loans
  • $43,562FHLB advances
  • $52,006Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,513Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,552Restructured Loans and leases
  • $15Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,094Total interest income
  • $359Total interest expense
  • $1,735Net interest income
  • $149Provision for loan and lease losses
  • $379Total noninterest income
  • $0Fiduciary activities
  • $11Service charges on deposit accounts
  • $0Trading account gains & fees
  • $368Additional noninterest income
  • $2,379Total noninterest expense
  • $1,521Salaries and employee benefits
  • $265Premises and equipment expense
  • $593Additional noninterest expense
  • -$414Pre-tax net operating income
  • $39Securities gains (losses)
  • -$147Applicable income taxes
  • -$228Income before extraordinary items
  • $0Extraordinary gains - net
  • -$228Net income attributable to bank
  • $0Net charge-offs
  • -$228Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 5.60%Noninterest expense to earning assets
  • -0.58%Net operating income to assets
  • -0.52%Return on assets (ROA)
  • -0.86%Pretax return on assets
  • -2.64%Return on equity (ROE)
  • -2.64%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 112,535Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 102.41%Net loans and leases to core deposits
  • 110.37%Equity capital to assets
  • 16.53%Core capital (leverage) ratio
  • 16.37%Tier 1 risk-based capital ratio
  • 19.54%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $43,629Average earning assets
  • $8,645Average equity
  • $42,475Average loans

List of branches

  • 1 Wisconsin Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0469758Wps Community Bank, Fsb5900 Gisholt Dr, Madison, WI 53713January 20, 2009Full Service Brick and Mortar

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