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

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

  • General
  • FDIC Certificate #: 10384
    Status: Active
    Federal Reserve ID: 780955
    Bank Holding Company (Regulatory Top Holder): Waumandee Bancshares, Ltd. (RSSDID: 2892067, Location: Waumandee, WI)
    Date Established: January 01, 1914
    WWW: http://www.waumandeebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 6655
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 19, 2007
    Last Structure Change Process Date: September 11, 2008
    Last Data Update: September 11, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: S2021 County Road U, Waumandee, WI 54622
    County: Buffalo
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $157.5 mil
    Equity capital: $15.4 mil
    Deposits held in domestic offices: $141.4 mil
    Return on assets (ROA): 0.74% ($1.2 mil)
    Quarterly return on assets: 0.80% ($1.3 mil)
    Return on Equity (ROE): 7.64% ($1.1 mil)
    Quarterly return on equity: 8.12% ($1.2 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.03% ($1,622.3 mil)
    Quarterly Pretax return on assets: 1.13% ($1,779.8 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
  • 51Total employees (full-time equivalent)
  • $157,501Total assets
  • $8,699Cash and due from depository institutions
  • $5,137Interest-bearing balances
  • $24,115Securities
  • $79Federal funds sold & reverse repurchase agreements
  • $116,278Net loans & leases
  • $2,038Loan loss allowance
  • $0Trading account assets
  • $4,454Bank premises and fixed assets
  • $226Other real estate owned
  • $2,178Goodwill and other intangibles
  • $157,501Life insurance assets
  • $1,472All other assets
  • $142,102Total liabilities and capital
  • $141,417Total liabilities
  • $122,286Total deposits
  • $141,417Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $685Subordinated debt
  • $15,399All other liabilities
  • $15,399Total equity capital
  • $15,399Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $8,216Surplus
  • $7,063Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $209Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,132Income earned, not collected on loans
  • $357Earning assets
  • $781Long-term assets (5+ years)
  • $145,609Average Assets, year-to-date
  • $10,447Average Assets, quarterly
  • $154,738Volatile liabilities
  • $155,940Insider loans
  • $114,803FHLB advances
  • $153,378Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,628Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,395Restructured Loans and leases
  • $915Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,630Total interest income
  • $1,721Total interest expense
  • $5,909Net interest income
  • $600Provision for loan and lease losses
  • $802Total noninterest income
  • $0Fiduciary activities
  • $519Service charges on deposit accounts
  • $0Trading account gains & fees
  • $283Additional noninterest income
  • $4,514Total noninterest expense
  • $2,301Salaries and employee benefits
  • $475Premises and equipment expense
  • $1,738Additional noninterest expense
  • $1,597Pre-tax net operating income
  • $0Securities gains (losses)
  • $459Applicable income taxes
  • $1,138Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,138Net income attributable to bank
  • $0Net charge-offs
  • $1,138Cash dividends
  • $244Sale, conversion, retirement of capital stock, net
  • $368Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 4.11%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.74%Net operating income to assets
  • 0.74%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 7.64%Return on equity (ROE)
  • 5.17%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 245.90%Credit loss provision to net charge-offs
  • 9.00%Efficiency ratio
  • 65,221Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.34%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 49.32%Noncurrent assets plus other real estate owned to assets
  • 2.77%Noncurrent loans to loans
  • 3.49%Net loans and leases to deposits
  • 82.22%Net loans and leases to core deposits
  • 95.08%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 8.23%Tier 1 risk-based capital ratio
  • 11.00%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $154,738Average earning assets
  • $14,905Average equity
  • $143,820Average loans

List of branches

  • 7 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06655Waumandee State BankS2021 County Road U, Waumandee, WI 54622January 01, 1914Full Service Brick and Mortar
    2231835Arcadia Branch350 S Nelson Drive, Arcadia, WI 54612December 06, 1989Full Service Brick and Mortar
    35780Fountain City Branch46 South Main Street, Fountain City, WI 54629August 11, 1906Full Service Brick and Mortar
    442140Durand Branch308 3rd Avenue West, Durand, WI 54736December 01, 1934Full Service Brick and Mortar
    5274345Mondovi Branch600 East Main Street, Mondovi, WI 54755December 01, 1934Full Service Brick and Mortar
    642156Black River Falls Branch203 Main Street, Black River Falls, WI 54615January 01, 1935Full Service Brick and Mortar
    7285101Whitehall Branch18526 Scranton Street, Whitehall, WI 54773January 01, 1964Full Service Brick and Mortar

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