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


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

  • General
  • FDIC Certificate #: 13023
    Status: Active
    Federal Reserve ID: 463342
    Bank Holding Company (Regulatory Top Holder): Heartland Financial Usa, Inc. (RSSDID: 1206546, Location: Dubuque, IA)
    Date Established: November 01, 1911
    WWW: http://www.wisconsincommunity.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 8229
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 01, 2007
    Last Structure Change Process Date: September 26, 2007
    Last Data Update: September 26, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 8240 Mineral Point Road, Madison, WI 53719
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Kansas City
    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 Location
  • Financial Summary
  • Total assets: $519.5 mil
    Equity capital: $55.1 mil
    Deposits held in domestic offices: $429.1 mil
    Return on assets (ROA): 1.69% ($8.8 mil)
    Quarterly return on assets: 1.84% ($9.5 mil)
    Return on Equity (ROE): 14.86% ($8.2 mil)
    Quarterly return on equity: 16.68% ($9.2 mil)
    Net income: $8.1 mil
    Quarterly Net income: $2.3 mil
    Pretax return on assets: 2.57% ($13,350.9 mil)
    Quarterly Pretax return on assets: 2.80% ($14,545.7 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
  • 87Total employees (full-time equivalent)
  • $519,491Total assets
  • $15,771Cash and due from depository institutions
  • $1,179Interest-bearing balances
  • $111,237Securities
  • $25,350Federal funds sold & reverse repurchase agreements
  • $332,580Net loans & leases
  • $3,460Loan loss allowance
  • $0Trading account assets
  • $10,048Bank premises and fixed assets
  • $2,008Other real estate owned
  • $8,974Goodwill and other intangibles
  • $519,491Life insurance assets
  • $13,523All other assets
  • $464,398Total liabilities and capital
  • $429,062Total liabilities
  • $328,398Total deposits
  • $429,062Interest-bearing deposits
  • $73Deposits held in domestic offices
  • 3542.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $18,798Trading liabilities
  • $0Other borrowed funds
  • $12,996Subordinated debt
  • $55,093All other liabilities
  • $55,093Total equity capital
  • $55,093Total bank equity capital
  • $0Perpetual preferred stock
  • $83Common stock
  • $34,756Surplus
  • $20,254Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,255Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,073Income earned, not collected on loans
  • $2,883Earning assets
  • $2,218Long-term assets (5+ years)
  • $470,346Average Assets, year-to-date
  • $155,906Average Assets, quarterly
  • $480,582Volatile liabilities
  • $502,905Insider loans
  • $341,848FHLB advances
  • $490,841Loans and leases held for sale
  • $8,442Unused loan commitments
  • $966Tier 1 (core) risk-based capital
  • $46,989Tier 2 risk-based capital
  • $7,476Total risk weighted assets
  • $0Total unused commitments
  • $94,652Restructured Loans and leases
  • $2,785Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,561Total interest income
  • $3,728Total interest expense
  • $18,833Net interest income
  • $453Provision for loan and lease losses
  • $5,888Total noninterest income
  • $830Fiduciary activities
  • $909Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,149Additional noninterest income
  • $13,225Total noninterest expense
  • $5,954Salaries and employee benefits
  • $1,248Premises and equipment expense
  • $6,023Additional noninterest expense
  • $11,043Pre-tax net operating income
  • $1,292Securities gains (losses)
  • $4,231Applicable income taxes
  • $8,104Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,104Net income attributable to bank
  • $0Net charge-offs
  • $8,104Cash dividends
  • $841Sale, conversion, retirement of capital stock, net
  • $6,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 4.32%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 3.04%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 2.57%Pretax return on assets
  • 14.86%Return on equity (ROE)
  • 2.94%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 53.86%Credit loss provision to net charge-offs
  • 13.67%Efficiency ratio
  • 53,497Assets per employee
  • 5.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 80.21%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 42.86%Noncurrent assets plus other real estate owned to assets
  • 1.94%Noncurrent loans to loans
  • 2.40%Net loans and leases to deposits
  • 77.51%Net loans and leases to core deposits
  • 81.06%Equity capital to assets
  • 10.61%Core capital (leverage) ratio
  • 9.57%Tier 1 risk-based capital ratio
  • 13.75%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $480,582Average earning assets
  • $54,523Average equity
  • $435,626Average 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
  • $82,026Managed Assets
  • 1Number of Accounts
  • $81,409Personal trust and agency accounts
  • $14,741Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $10,150Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $54,261Other fiduciary accounts
  • $2,257Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 149Number of Accounts
  • $0Personal trust and agency accounts
  • $10,150Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $617Other retirement accounts
  • $18Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $599Fiduciary accounts held in foreign offices

List of branches

  • 10 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08229Wisconsin Community Bank8240 Mineral Point Road, Madison, WI 53719November 01, 1911Full Service Brick and Mortar
    1228754Middleton Branch5310 Century Avenue, Middleton, WI 53562Febuary 02, 1998Full Service Brick and Mortar
    2228755Sheboygan Branch4706 South Taylor Drive, Sheboygan, WI 53081May 03, 1999Full Service Brick and Mortar
    37834Monroe Branch1717 10th Street, Monroe, WI 53566January 01, 1903Full Service Brick and Mortar
    4228756De Pere Branch1510 Highway 41, De Pere, WI 54115November 22, 1999Full Service Brick and Mortar
    6418502Fitchburg Branch6180 Verona Road, Fitchburg, WI 53719March 10, 2003Full Service Brick and Mortar
    7441423Green County Messenger Service1717 10th Street, Monroe, WI 53566June 13, 2005Limited Service Messenger
    8441424Madison Area Messenger Service6180 Verona Road, Fitchburg, WI 53719June 13, 2005Limited Service Messenger
    9461744Madison Branch8240 Mineral Point Road, Madison, WI 53719March 20, 2007Full Service Brick and Mortar
    10468169Cottage Grove Branch580 North Main Street, Cottage Grove, WI 53527September 01, 2007Full Service Brick and Mortar

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