FDIC Certificate #: 34347 Status: Active Federal Reserve ID: 2517182 Bank Holding Company (Regulatory Top Holder): Investorsbancorp, Inc. (RSSDID: 2571166, Location: Waukesha, WI) Date Established: September 08, 1997 WWW:http://www.investorsbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 57106 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: September 08, 1997 Last Structure Change Effective Date: September 01, 2010 Last Structure Change Process Date: September 08, 2010 Last Data Update: September 08, 2010 Data Source Date: April 05, 2012
Location
Address: W239 N1700 Busse Road, 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)
Financial Summary
Total assets: $243.2 mil Equity capital: $29.0 mil Deposits held in domestic offices: $194.6 mil Return on assets (ROA): -1.21% (-$2.9 mil) Quarterly return on assets: -0.58% (-$1.4 mil) Return on Equity (ROE): -10.07% (-$2.9 mil) Quarterly return on equity: -4.89% (-$1.4 mil) Net income: -$3.0 mil Quarterly Net income: -$0.4 mil Pretax return on assets: -1.21% (-$2,942.5 mil) Quarterly Pretax return on assets: -0.58% (-$1,410.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$243,180Total assets
$2,681Cash and due from depository institutions
$560Interest-bearing balances
$12,343Securities
$2,112Federal funds sold & reverse repurchase agreements
$212,721Net loans & leases
$4,663Loan loss allowance
$0Trading account assets
$3,449Bank premises and fixed assets
$5,014Other real estate owned
$0Goodwill and other intangibles
$243,179Life insurance assets
$4,860All other assets
$214,138Total liabilities and capital
$194,628Total liabilities
$175,397Total deposits
$194,628Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$18,464Trading liabilities
$0Other borrowed funds
$1,046Subordinated debt
$29,041All other liabilities
$29,041Total equity capital
$29,041Total bank equity capital
$0Perpetual preferred stock
$100Common stock
$16,200Surplus
$12,741Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$13,768Income earned, not collected on loans
$0Earning assets
$810Long-term assets (5+ years)
$227,736Average Assets, year-to-date
$18,926Average Assets, quarterly
$248,052Volatile liabilities
$246,483Insider loans
$214,810FHLB advances
$245,539Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$28,890Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,681Restructured Loans and leases
$941Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$10,611Total interest income
$3,542Total interest expense
$7,069Net interest income
$5,041Provision for loan and lease losses
$18Total noninterest income
$0Fiduciary activities
$197Service charges on deposit accounts
$0Trading account gains & fees
-$179Additional noninterest income
$5,040Total noninterest expense
$1,926Salaries and employee benefits
$143Premises and equipment expense
$2,971Additional noninterest expense
-$2,994Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$2,994Income before extraordinary items
$0Extraordinary gains - net
-$2,994Net income attributable to bank
$0Net charge-offs
-$2,994Cash dividends
$6,258Sale, conversion, retirement of capital stock, net
$375Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.56%Yield on earning assets
1.52%Cost of funding earning assets
3.03%Net interest margin
0.01%Noninterest income to earning assets
2.16%Noninterest expense to earning assets
-1.21%Net operating income to assets
-1.21%Return on assets (ROA)
-1.21%Pretax return on assets
-10.07%Return on equity (ROE)
-11.33%Retained earnings to average equity (YTD only)
2.80%Net charge-offs to loans
80.55%Credit loss provision to net charge-offs
0.33%Efficiency ratio
71,116Assets per employee
10.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
-12.53%Loss allowance to loans
2.15%Loss allowance to noncurrent loans
33.87%Noncurrent assets plus other real estate owned to assets
7.72%Noncurrent loans to loans
6.33%Net loans and leases to deposits
109.30%Net loans and leases to core deposits
168.10%Equity capital to assets
11.94%Core capital (leverage) ratio
11.77%Tier 1 risk-based capital ratio
13.45%Total risk-based capital ratio
Memoranda
$15Average assets
$248,052Average earning assets
$29,744Average equity
$232,932Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
57106
Investorsbank
W239 N1700 Busse Road, Waukesha, WI 53188
September 08, 1997
Full Service Brick and Mortar
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