Waukesha State Bank in Waukesha, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Waukesha State Bank in Waukesha, Wisconsin (WI)
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Waukesha State Bank - Overview

  • General
  • FDIC Certificate #: 16160
    Status: Active
    Federal Reserve ID: 290249
    Date Established: June 15, 1944
    WWW: http://www.waukeshabank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 19 (Domestic: 19, Interstate: No)
    FDIC's unique #: 10370
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 15, 1944
    Last Structure Change Effective Date: March 05, 2009
    Last Structure Change Process Date: March 05, 2009
    Last Data Update: March 05, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 151 East St. Paul Avenue, Waukesha, WI 53188
    County: Waukesha
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Milwaukee-Waukesha, WI (#5080)
    Consolidated Metropolitan Statistical Area (CMSA): Milwaukee-Racine, WI (#63)
    Combined Statistical Area (CSA): Milwaukee-Racine-Waukesha, WI (#376)
    Core Based Statistical Area (CBSA): Milwaukee-Waukesha-West Allis, WI (#33340)
    CBSA Metro Statistical Area: Milwaukee-Waukesha-West Allis, WI (#33340)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $795.9 mil
    Equity capital: $102.0 mil
    Deposits held in domestic offices: $657.4 mil
    Return on assets (ROA): 1.07% ($8.5 mil)
    Quarterly return on assets: 1.37% ($10.9 mil)
    Return on Equity (ROE): 8.35% ($8.5 mil)
    Quarterly return on equity: 10.44% ($10.6 mil)
    Net income: $8.3 mil
    Quarterly Net income: $2.6 mil
    Pretax return on assets: 1.07% ($8,516.2 mil)
    Quarterly Pretax return on assets: 1.37% ($10,903.9 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
  • 248Total employees (full-time equivalent)
  • $795,902Total assets
  • $173,501Cash and due from depository institutions
  • $107,431Interest-bearing balances
  • $137,951Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $416,088Net loans & leases
  • $7,200Loan loss allowance
  • $0Trading account assets
  • $20,159Bank premises and fixed assets
  • $21,702Other real estate owned
  • $0Goodwill and other intangibles
  • $795,902Life insurance assets
  • $26,501All other assets
  • $693,922Total liabilities and capital
  • $657,446Total liabilities
  • $499,190Total deposits
  • $657,446Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 21984.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,000Trading liabilities
  • $0Other borrowed funds
  • $2,492Subordinated debt
  • $101,980All other liabilities
  • $101,980Total equity capital
  • $101,980Total bank equity capital
  • $0Perpetual preferred stock
  • $1,950Common stock
  • $15,282Surplus
  • $84,748Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,149Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,891Income earned, not collected on loans
  • $0Earning assets
  • $2,710Long-term assets (5+ years)
  • $661,470Average Assets, year-to-date
  • $73,685Average Assets, quarterly
  • $778,414Volatile liabilities
  • $772,091Insider loans
  • $555,960FHLB advances
  • $753,397Loans and leases held for sale
  • $19,860Unused loan commitments
  • $19,860Tier 1 (core) risk-based capital
  • $96,853Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $95,408Restructured Loans and leases
  • $11,931Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,840Total interest income
  • $2,588Total interest expense
  • $25,252Net interest income
  • $3,926Provision for loan and lease losses
  • $10,417Total noninterest income
  • $1,675Fiduciary activities
  • $2,496Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,246Additional noninterest income
  • $24,105Total noninterest expense
  • $13,905Salaries and employee benefits
  • $3,061Premises and equipment expense
  • $7,139Additional noninterest expense
  • $7,638Pre-tax net operating income
  • $658Securities gains (losses)
  • $0Applicable income taxes
  • $8,296Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,296Net income attributable to bank
  • $0Net charge-offs
  • $8,296Cash dividends
  • $4,626Sale, conversion, retirement of capital stock, net
  • $5,875Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 0.39%Cost of funding earning assets
  • 3.84%Net interest margin
  • 1.59%Noninterest income to earning assets
  • 3.67%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 8.35%Return on equity (ROE)
  • 2.44%Retained earnings to average equity (YTD only)
  • 1.06%Net charge-offs to loans
  • 84.87%Credit loss provision to net charge-offs
  • 2.50%Efficiency ratio
  • 67,580Assets per employee
  • 3.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.82%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 91.24%Noncurrent assets plus other real estate owned to assets
  • 3.72%Noncurrent loans to loans
  • 1.86%Net loans and leases to deposits
  • 63.29%Net loans and leases to core deposits
  • 64.58%Equity capital to assets
  • 12.81%Core capital (leverage) ratio
  • 12.86%Tier 1 risk-based capital ratio
  • 17.42%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $778,414Average earning assets
  • $99,295Average equity
  • $656,881Average 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
  • $185,762Managed Assets
  • 1Number of Accounts
  • $127,966Personal trust and agency accounts
  • $78,336Employee benefit-defined contribution accounts
  • $6,923Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $21,042Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $21,665Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 501Number of Accounts
  • $0Personal trust and agency accounts
  • $21,042Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $57,796Other retirement accounts
  • $3,445Corporate trust and agency accounts
  • $34,775Other fiduciary accounts
  • $5,856Fiduciary accounts held in foreign offices

List of branches

  • 19 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010370Waukesha State Bank151 East St. Paul Avenue, Waukesha, WI 53188June 15, 1944Full Service Brick and Mortar
    2237532E Moreland Branch1531 East Moreland Boulevard, Waukesha, WI 53186July 18, 1984Full Service Retail
    4237534Ge Medical3000 North Grandview Boulevard, Waukesha, WI 53188December 01, 1983Limited Service Facility
    5237535Oak Hill Branch1810 Kensington Drive, Waukesha, WI 53188January 05, 1987Limited Service Mobile
    6237536Fox Run BranchS31w25995 Sunset Drive, Waukesha, WI 53188June 06, 1988Full Service Brick and Mortar
    7237537Avalon Manor Branch222 Park Place, Waukesha, WI 53186January 24, 1990Limited Service Mobile
    8237538Moreland Medical Center Branch1111 Delafield Street, Waukesha, WI 53188November 12, 1990Limited Service Facility
    9237539Silvernail Branch2160 Silvernail Road, Waukesha, WI 53188May 02, 1991Full Service Retail
    10237540Summit Avenue Branch2501 Summit Avenue, Waukesha, WI 53188June 03, 1991Limited Service Mobile
    11237541Delafield Branch3293 Golf Road, Delafield, WI 53018November 02, 1994Full Service Retail
    12237542Pewaukee Branch1230 Capitol Drive, Pewaukee, WI 53072August 21, 1996Full Service Retail
    13237543Meadowbrook Road Branch701 North Meadowbrook Road, Waukesha, WI 53188October 27, 1999Full Service Retail
    16362472Kirkland Crossings Senior Apartments700 Quinlan Dr., Pewaukee, WI 53072November 26, 2001Limited Service Mobile
    17428176Oconomowoc Branch1227 Corporate Center Drive, Oconomowoc, WI 53066May 04, 2004Full Service Brick and Mortar
    19451600Muskego BranchS69w15273 Janesville Road, Muskego, WI 53150June 05, 2006Full Service Brick and Mortar
    20466807Mukwonago Branch1160 North Rochester Street, Mukwonago, WI 53149July 24, 2007Full Service Brick and Mortar
    21361918Brookfield Branch19265 West Capitol Drive #101, Brookfield, WI 53045September 10, 2001Full Service Brick and Mortar
    22477839Sussex BranchW249 N6688 State Highway 164, Sussex, WI 53089June 23, 2008Full Service Brick and Mortar
    23501288Racine Avenue Branch1709 East Racine Avenue, Waukesha, WI 53186January 28, 2010Full Service Brick and Mortar

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