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
No
ID
Name
Address
Established
Service Type
Map
0
469758
Wps Community Bank, Fsb
5900 Gisholt Dr, Madison, WI 53713
January 20, 2009
Full Service Brick and Mortar
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