WPS Community Bank, FSB

5900 Gisholt Dr
Madison, WI 53713
608.224.5500
www.bankwps.com

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WPS Community Bank, FSB is headquartered in Madison and is the 234^th largest bank in the state of Wisconsin. It is also the 6,047^th largest bank in the nation. It was established in 2009 and as of March of 2012, it had grown to 17 employees at 1 location. WPS Community Bank, FSB has a 5-star health rating.

WPS Community Bank, FSB Routing Number: 075972202

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See Rates for: Checking | Savings | Money Market | CD | IRA

WPS Community Bank, FSB Checking Account Rates

Apy	Min	Max	Product
0.10%	$100	-	Personal Interest Checking Account
0.10%	-	-	Business Interest Checking Account

WPS Community Bank, FSB Savings Account Rates

Apy	Min	Max	Product
0.45%	$1k	-	12 Month HSA CD
0.35%	$1k	-	6 Month HSA CD
0.35%	$10k	-	HSA Checking Account
0.30%	$25	-	Minor Savings Account
0.15%	$500	-	IRA Savings Account
0.15%	$100	-	Savings Account
0.15%	$500	-	Business Savings Account

WPS Community Bank, FSB Money Market Rates

Apy	Min	Max	Product
0.45%	$50k	-	Personal Premium Money Market Account
0.45%	$50k	-	Business Premium Money Market Account
0.15%	$1k	-	Personal Money Market Account

WPS Community Bank, FSB CD Rates

Apy	Min	Max	Product
1.00%	$1k	-	4 Year CD
0.75%	$1k	-	3 Year CD
0.65%	$1k	-	2 Year CD
0.55%	$1k	-	18 Month Special CD
0.50%	$1k	-	15 Month Special CD
0.45%	$1k	-	12 Month CD
0.40%	$1k	-	9 Month CD
0.35%	$1k	-	6 Month CD
0.15%	$1k	-	3 Month CD

WPS Community Bank, FSB IRA Rates

Apy	Min	Max	Product
1.00%	$500	-	4 Year IRA
0.75%	$500	-	3 Year IRA
0.65%	$500	-	2 Year IRA
0.45%	$500	-	12 Month IRA
0.35%	$500	-	6 Month IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

WPS Community Bank, FSB
OTS #	18100
FDIC Certificate #	58829
BankRate Report	View
Year Established	2009
Employees	17
Primary Regulator	OCC
Assets and Liabilities
Assets	$61.09 million
Loans	$45.35 million
Deposits	$52.21 million
Equity Capital	$8.62 million
Loan Loss Allowance	$449,000
Historic Data - March 2011
Assets	$37.52 million
Equity Capital	$8.65 million
Loan Loss Allowance	$276,000
Profit Margin - Quarterly
Net Interest Margin	3.96%
Return on Assets	0.02%
Return on Equity	0.14%
Interest Income	$651,000

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 WPS Community Bank, FSB had $0 in non-current loans and owned real-estate with $9.07 million in equity and loan loss allowances on hand to cover it. This gives WPS Community Bank, FSB a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, WPS Community Bank, FSB has increased its total deposits by $23.67 million, resulting in 82.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth WPS Community Bank, FSB has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. WPS Community Bank, FSB has $61.09 million in assets with $9.07 million in equity, resulting in a capitalization level of 14.84%, which is excellent.

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