Paper City Savings Association

4200 8th Street South
Wisconsin Rapids, WI 54494

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29676
Date Established 1933
Assets $0.15 billion
Loans $0.13 billion
Deposits $0.13 billion
Capital $0.02 billion

Paper City Savings Association is an FDIC insured institution located in Wisconsin Rapids, WI. It was founded in 1933 and has approximately $0.15 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of Paper City Savings Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Paper City Savings Association’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Construction and Development Loans.

Compared to other banks in Wisconsin, Paper City Savings Association has a significantly higher percent of 1-4 Family Residential Loans, Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 73.94
Multifamily
Mortgages
12.92
Credit Card Loans 0.00
Consumer Auto Loans 1.57
Small Business Loans 2.55
Construction and Development Loans 6.43
Commercial Real Estate 3.91
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Deposit Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $9,999 Learn MoreShow Less
Money Market
0.25% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $2,500 - Learn MoreShow Less
6 Mo CD
0.36% $2,500 $49,999 Learn MoreShow Less
6 Mo CD
0.41% $50,000 - Learn MoreShow Less
12 Mo CD
0.46% $100 - Learn MoreShow Less
Special: 13 Mo CD
2.04% $100 - Learn MoreShow Less
18 Mo CD
0.51% $100 - Learn MoreShow Less
24 Mo CD
0.76% $100 - Learn MoreShow Less
Special: 25 Mo CD
2.56% $100 - Learn MoreShow Less
30 Mo CD
0.81% $100 - Learn MoreShow Less
36 Mo CD
1.02% $100 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.46% $100 - Learn MoreShow Less

Loan Rates - May 24, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Paper City Savings Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.886% 3.875% 0.13 $338 $1,176 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.902% 3.875% 0.38 $830 $1,176 Learn More
Triangle Lending Group, Inc.
NMLS ID: 64446
License#: MC-5531
3.910% 3.875% 0.00 $1,072 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info

Note to Paper City Savings Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Paper City Savings Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Paper City Savings Association Locations


Financial Details

Paper City Savings Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Paper City Savings Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Paper City Savings Association U.S. Bank Average
5.98% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Paper City Savings Association had $1,233,000 in non-current loans and $126,000 in owned real estate. To cover these potential losses it had $22,359,000 in equity and $376,000 in loans loss reserves. That gives it a Texas Ratio of 5.98%.

Return on Equity
Paper City Savings Association U.S. Bank Average
6.68% 8.80%

Paper City Savings Association has a Return on Equity of 6.68% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Paper City Savings Association U.S. Bank Average
14.57% 12.29%

Paper City Savings Association has a Capitalization of 14.57% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Paper City Savings Association Balance Sheet Analysis

As of December 31, 2018, Paper City Savings Association had assets of $153,415,000, loans of $134,202,000, and deposits of $130,057,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.13 billion
LIABILITIES
Total deposits $0.13 billion
      Interest-bearing deposits $0.12 billion
      Deposits held in domestic offices $0.13 billion
      % insured (estimated) 96.38%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.13 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Paper City Savings Association

Branches and Savings

Is Paper City Savings Association FDIC insured?

Yes. It is covered under FDIC Certificate #29676.

Why does Paper City Savings Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Paper City Savings Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Paper City Savings Association a commercial bank?

Yes

Where are Paper City Savings Association locations?

See branch locations nearby.

Is Paper City Savings Association open on Saturdays?

Is Paper City Savings Association open on Sundays?

What time does Paper City Savings Association open?

What time does Paper City Savings Association close?

Are Paper City Savings Association ATMs Open 24/7?

Do Paper City Savings Association ATMs accept cash deposits?

Can Paper City Savings Association customers use other ATMs?

Do Paper City Savings Association branches have notaries?

Will Paper City Savings Association notarize my document?

What address for Paper City Savings Association should I put for incoming ACH transfers?

Will the Paper City Savings Association branch print checks?

Do Paper City Savings Association checks expire?

Does Paper City Savings Association require US citizenship to open account?

Can Paper City Savings Association close my account?

Does Paper City Savings Association Report to credit bureaus?

Does Paper City Savings Association Use Equifax?

What is Paper City Savings Association's ACH Routing Number?

What is Paper City Savings Association's SWIFT code?

Products

Does Paper City Savings Association offer mortgages?

Compare mortgage rates here.

Does Paper City Savings Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Paper City Savings Association offer personal loans?

Compare personal loan rates here.

Does Paper City Savings Association offer student loans?

Will Paper City Savings Association cash a check?

Will Paper City Savings Association redeem a savings bond?

Does Paper City Savings Association cash savings bonds?

Will Paper City Savings Association cash money orders?

Can Paper City Savings Association issue a money order?

Does Paper City Savings Association do currency exchange?

Background on The Bank

Who owns Paper City Savings Association?

How long has Paper City Savings Association been around?

Can Paper City Savings Association transfer to other banks?

Does Paper City Savings Association have quick pay?

Does Paper City Savings Association accept rolled coins?

Will Paper City Savings Association accept loose change?

Where is Paper City Savings Association headquarters?

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