Westbury Bank in West Bend, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Westbury Bank in West Bend, Wisconsin (WI)
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Westbury Bank - Overview

  • General
  • FDIC Certificate #: 28400
    Status: Active
    Federal Reserve ID: 524971
    Date Established: January 01, 1926
    WWW: http://www.westburybankwi.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 16 (Domestic: 16, Interstate: No)
    OTS Docket #: 17893
    FDIC's unique #: 41234
    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: March 23, 1939
    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: 200 South Main Street, West Bend, WI 53095
    County: Washington
    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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $580.5 mil
    Equity capital: $49.4 mil
    Deposits held in domestic offices: $524.6 mil
    Return on assets (ROA): -0.76% (-$4.4 mil)
    Quarterly return on assets: -2.47% (-$14.3 mil)
    Return on Equity (ROE): -8.88% (-$4.4 mil)
    Quarterly return on equity: -28.86% (-$14.1 mil)
    Net income: -$4.7 mil
    Quarterly Net income: -$3.7 mil
    Pretax return on assets: -1.28% (-$7,430.4 mil)
    Quarterly Pretax return on assets: -4.05% (-$23,510.2 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
  • 176Total employees (full-time equivalent)
  • $580,498Total assets
  • $21,370Cash and due from depository institutions
  • $11,734Interest-bearing balances
  • $99,119Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $400,379Net loans & leases
  • $6,816Loan loss allowance
  • $0Trading account assets
  • $14,874Bank premises and fixed assets
  • $4,882Other real estate owned
  • $2,387Goodwill and other intangibles
  • $580,498Life insurance assets
  • $37,487All other assets
  • $531,069Total liabilities and capital
  • $524,552Total liabilities
  • $511,873Total deposits
  • $524,552Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,185Trading liabilities
  • $0Other borrowed funds
  • $4,332Subordinated debt
  • $49,429All other liabilities
  • $49,429Total equity capital
  • $49,429Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $6,246Surplus
  • $43,182Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,866Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,759Income earned, not collected on loans
  • $0Earning assets
  • $2,189Long-term assets (5+ years)
  • $511,232Average Assets, year-to-date
  • $108,720Average Assets, quarterly
  • $611,541Volatile liabilities
  • $599,956Insider loans
  • $401,560FHLB advances
  • $590,152Loans and leases held for sale
  • $11,629Unused loan commitments
  • $11,629Tier 1 (core) risk-based capital
  • $39,016Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $47,185Restructured Loans and leases
  • $4,852Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,136Total interest income
  • $5,701Total interest expense
  • $18,435Net interest income
  • $7,233Provision for loan and lease losses
  • $6,041Total noninterest income
  • $0Fiduciary activities
  • $2,674Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,367Additional noninterest income
  • $25,690Total noninterest expense
  • $12,061Salaries and employee benefits
  • $3,222Premises and equipment expense
  • $10,407Additional noninterest expense
  • -$8,447Pre-tax net operating income
  • $601Securities gains (losses)
  • -$3,183Applicable income taxes
  • -$4,663Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,663Net income attributable to bank
  • $0Net charge-offs
  • -$4,663Cash dividends
  • $4,697Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.56%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.97%Noninterest expense to earning assets
  • -0.83%Net operating income to assets
  • -0.76%Return on assets (ROA)
  • -1.28%Pretax return on assets
  • -8.88%Return on equity (ROE)
  • -8.88%Retained earnings to average equity (YTD only)
  • 1.11%Net charge-offs to loans
  • 153.99%Credit loss provision to net charge-offs
  • -0.26%Efficiency ratio
  • 104,960Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 46.18%Noncurrent assets plus other real estate owned to assets
  • 3.38%Noncurrent loans to loans
  • 3.62%Net loans and leases to deposits
  • 76.33%Net loans and leases to core deposits
  • 77.67%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 6.61%Tier 1 risk-based capital ratio
  • 9.72%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $611,541Average earning assets
  • $52,528Average equity
  • $517,355Average loans

List of branches

  • 16 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041234Westbury Bank200 South Main Street, West Bend, WI 53095January 01, 1926Full Service Brick and Mortar
    1267200Germantown BranchN112 W17171 Mequon Road, Germantown, WI 53022January 01, 1926Full Service Brick and Mortar
    2267201Kewaskum Branch1052 Fond Du Lac Avenue, Kewaskum, WI 53040January 01, 1926Full Service Brick and Mortar
    3267202Slinger Branch319 East Washington Street, Slinger, WI 53086January 01, 1926Full Service Brick and Mortar
    4267203Jackson BranchN168 W21920 Main Street, Jackson, WI 53037January 01, 1926Full Service Brick and Mortar
    101267205West Washington Branch2501 West Washington Street, West Bend, WI 53095January 01, 1926Full Service Brick and Mortar
    103267207Main Street Branch1719 South Main Street, West Bend, WI 53095June 26, 1995Full Service Retail
    111433503West Bend Branch2575 East Washington Street, West Bend, WI 53090October 01, 2002Full Service Brick and Mortar
    1172664884301 W Brown Deer Road Branch4301 W Brown Deer Road, Brown Deer, WI 53223January 01, 1914Full Service Brick and Mortar
    1192664905480 South 108th St Branch5480 South 108th St, Hales Corners, WI 53130January 01, 1914Full Service Brick and Mortar
    120266492W North Ave Branch17160 W North Ave, Brookfield, WI 53005January 01, 1914Full Service Brick and Mortar
    122463732East North Avenue Branch1930 E North Avenue, Milwaukee, WI 53202December 05, 2002Full Service Brick and Mortar
    124498680Colgate BranchN95 W25901 County Line Road, Colgate, WI 53017May 18, 2007Full Service Brick and Mortar
    125498681Hartford West Branch25 S. Wacker Drive, Hartford, WI 53027August 31, 2006Full Service Brick and Mortar
    127498683Richfield Branch1717 Wolf Road, Richfield, WI 53076May 01, 2008Full Service Brick and Mortar
    128498684Slinger - Seven Hills Branch1195 E. Commerce Blvd, Slinger, WI 53086September 08, 2006Full Service Brick and Mortar

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