2026-04-15T13:28:20-05:00 2025-05-31 393647910 WIPFLI ADVISORY LLC 2501 W BELTLINE HWY STE 501 MADISON WI 53713 990 2024-06-01 390711690 WISCONSIN BANKERS ASSOCIATION WISC 6084411200 4721 SOUTH BILTMORE LANE MADISON WI 53718 ROSE M OSWALD POELS PRESIDENT/CEO 6084411200 2026-04-14 1 1 QUINN DUGAN P02267768 6082741980 2026-04-14 2024 2025-03-06 01:10:19Z ROSE M OSWALD POELS 4721 SOUTH BILTMORE LANE MADISON WI 53718 6522360 0 X WWW.WISBANK.COM X 1892 WI TO PROMOTE THE INTEREST OF WISCONSIN BANKS AND BANKERS BY PROVIDING LEADERSHIP AND SERVICES. 16 16 24 16 733881 125726 95400 139625 4930130 5134626 119060 167778 1112784 1018884 6257374 6460913 326000 399000 0 0 2988992 3082629 0 0 0 2532477 2713466 5847469 6195095 409905 265818 13343558 14142464 1552662 1732596 11790896 12409868 WE ACTIVELY ADVOCATE, EDUCATE AND SUPPORT OUR MEMBERS TO HELP THEM POSITIVELY IMPACT THE WISCONSIN COMMUNITIES THEY SERVE. 0 0 LEGISLATIVE ADVOCACY: ON AN ANNUAL BASIS, WISCONSIN BANKERS ASSOCIATION MONITORS THOUSANDS OF LEGISLATIVE PROPOSALS, HUNDREDS OF ADMINISTRATIVE RULES AND ADVOCATES FOR MEMBER INTERESTS AT BOTH THE STATE AND FEDERAL LEVEL. THESE EFFORTS INCREASE THE COMPETITIVE CAPABILITIES OF WISCONSIN FINANCIAL INSTITUTIONS. EDUCATION: WISCONSIN BANKERS ASSOCIATION CONTINUES TO SET THE STANDARD FOR PROVIDING TIMELY, HIGH QUALITY EDUCATION SPECIFICALLY DESIGNED FOR OUR MEMBERSHIP. OUR PROGRAMS LEVERAGE THE TALENTS OF EXPERTS IN THE FIELD OF BANKING AND FOCUS ON HOT LEGISLATIVE AND REGULATORY TRENDS FOR THE ECONOMIC AND BUSINESS CLIMATE IN OUR STATE. WE BRING EASE OF USE TO MEMBERS WITH THE ORGANIZATION'S MANY WEBINARS, PHONE SEMINARS AND ONLINE COURSES WHILE STILL PROVIDING VALUABLE NETWORKING OPPORTUNITIES WITH THE ORGANIZATION'S CONFERENCES, SCHOOLS, SEMINARS AND WORKSHOPS. LEGAL AND REGULATORY INFORMATION: WISCONSIN BANKERS ASSOCIATION OFFERS SEVERAL COMPLIANCE INFORMATIONAL RESOURCES FOR OUR MEMBERS ONLY. THE MOST NOTABLE RESOURCE IS OUR LEGAL CALL PROGRAM WHERE THE ORGANIZATION RESPONDS TO GENERAL COMPLIANCE INQUIRIES FROM MEMBERS. THE ORGANIZATION ALSO PUBLISHES THE MONTHLY WBA COMPLIANCE JOURNAL AND THE COMPLIANCE Q&A COLUMN MONTHLY FOR WISCONSIN BANKER. IN ADDITION, THE ORGANIZATION PUBLISHES MONTHLY THE SBA REGULATORY SPOTLIGHT WHICH IS SOLD TO SEVERAL OTHER STATE BANKER ASSOCIATIONS. 0 1 0 1 0 0 0 0 1 1 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 1 75 0 24 1 1 1 0 0 0 1 1 0 0 0 X 16 16 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X SANDY GIESE 6084411200 4721 SOUTH BILTMORE LANE MADISON WI 53718 ROSE M OSWALD POELS PRESIDENT/CEO 40.00 1.00 X 452899 0 87466 DARYLL J LUND EXECUTIVE VP/COS 40.00 X 268095 0 52268 LORENZO CRUZ VP GOVERNMENT RELATIONS 40.00 X 177575 0 57241 SANDRA GIESE VP ADMINISTRATION/CFO 40.00 X 154751 0 31807 HEATHER MACKINNON VP LEGAL 40.00 X 141265 0 31817 TYLER FOTI DIRECTOR-GOVERNMENT RELATIONS 40.00 X 108488 0 26773 DONNA HOPPENJAN PAST CHAIR 1.00 X X 0 0 0 ALVARO ARAQUE CHAIR 1.00 X X 0 0 0 PAUL NORTHWAY CHAIR ELECT 1.00 X X 0 0 0 JOE PEIKERT VICE CHAIR 1.00 X X 0 0 0 TINA DEGUSTINO DIRECTOR 1.00 X 0 0 0 KELLY HEROUX DIRECTOR 1.00 X 0 0 0 PAUL HOFFMANN DIRECTOR 1.00 X 0 0 0 SHAY HORTON DIRECTOR 1.00 X 0 0 0 SHANE ILSTRUP DIRECTOR 1.00 X 0 0 0 RYAN KAMPHUIS DIRECTOR 1.00 X 0 0 0 JIMMY KAUFFMAN DIRECTOR 1.00 X 0 0 0 GREG LUNDBERG DIRECTOR 1.00 X 0 0 0 THOMAS MEWS DIRECTOR 1.00 X 0 0 0 TODD NAGEL DIRECTOR 1.00 X 0 0 0 TIM SCHNEIDER DIRECTOR 1.00 X 0 0 0 BILL SENNHOLZ DIRECTOR 1.00 X 0 0 0 1303073 0 287372 6 0 1 0 0 139625 139625 MEMBERSHIP DUES 611710 2727092 2727092 CONFERENCES/SCHOOLS 611710 2016183 2016183 MANAGEMENT, FACILITIES 611710 306990 306990 PRODUCTS AND SERVICES 611710 84361 84361 5134626 167778 18384 149394 270718 270718 94116 61447 32669 32669 32669 MANAGEMENT FEES 561000 645324 645324 ADVERTISING INCOME 541800 70173 70173 715497 6460913 5134626 733881 452781 399000 740580 1804611 158657 213652 165129 119205 50991 43000 58395 20513 169563 242892 130330 49259 1164660 241115 45516 INCOME TAX EXPENSE 62361 DUES & SUBSCRIPTIONS 31151 284515 6195095 185861 272974 2750445 2195713 1927867 2615185 206007 450553 7645044 4750517 3076348 2894527 3112335 3641704 1809968 1757184 274727 314624 13343558 14142464 748556 879417 804106 853179 1552662 1732596 X 11790896 12409868 11790896 12409868 13343558 14142464 X 265818 330938 22216 X X 0 1 X 1 0 RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 0 0 0 2727092 579800 -163976 415824 572689 -156865 6445000 423000 6868000 5552000 893000 6445000 4958000 594000 5552000 4553359 404641 4958000 3404419 1148940 4553359 1.00000 0.00000 0.00000 0 0 454944 454944 4382453 2128961 2253492 2636309 2450218 186091 171338 171338 0 2894527 INVESTMENT IN MIDWEST FINANCIAL INSTITUTIONS GROUP INC 1757184 F 1757184 X PART V, LINE 4: THE WISCONSIN BANKERS ASSOCIATION (WBA) HAS CREATED THREE RESERVES THAT ARE NOT AVAILABLE FOR USE IN OPERATIONS. THESE RESERVES SERVE AS A MEANS OF ENSURING ADEQUATE FUNDING FOR PARTICULAR NEEDS AND OBLIGATIONS OF WBA, INCLUDING A PRIMARY RESERVE TO SUSTAIN WBA THROUGH AN UNEXPECTED FINANCIAL CRISIS, A CAPITAL RESERVE FOR THE PURCHASE OF FACILITIES AND EQUIPMENT THAT WILL ASSIST WBA AND ITS STAFF TO BETTER MEET ITS MISSION, AND AN OPPORTUNITY RESERVE TO PROVIDE START-UP FUNDS FOR NEW PROGRAMS AND BUSINESS OPPORTUNITIES. PART X, LINE 2: THE BENEFIT OF A TAX POSITION IS RECOGNIZED IN THE CONSOLIDATED FINANCIAL STATEMENTS IN THE PERIOD DURING WHICH, BASED ON ALL AVAILABLE EVIDENCE, MANAGEMENT BELIEVES IT IS MORE LIKELY THAN NOT THAT THE POSITION WILL BE SUSTAINED UPON EXAMINATION, INCLUDING THE RESOLUTION OF APPEALS OR LITIGATION PROCESSES, IF ANY. TAX POSITIONS TAKEN ARE NOT OFFSET OR AGGREGATED WITH OTHER POSITIONS. TAX POSITIONS THAT MEET THE MORE-LIKELY-THAN-NOT RECOGNITION THRESHOLD ARE MEASURED AS THE LARGEST AMOUNT OF TAX BENEFIT THAT IS MORE THAN 50% LIKELY OF BEING REALIZED UPON SETTLEMENT WITH THE APPLICABLE TAXING AUTHORITY. THE PORTION OF THE BENEFITS ASSOCIATED WITH TAX POSITIONS TAKEN THAT EXCEEDS THE AMOUNT MEASURED AS DESCRIBED ABOVE IS REFLECTED AS A LIABILITY FOR UNRECOGNIZED TAX BENEFITS IN THE ACCOMPANYING CONSOLIDATED STATEMENT OF FINANCIAL POSITION ALONG WITH ANY ASSOCIATED INTEREST AND PENALTIES THAT WOULD BE PAYABLE TO THE TAXING AUTHORITIES UPON EXAMINATION. MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. 0 EMPLOY MILWAUKEE INC 2342 NORTH 27TH STREET MILWAUKEE WI 53210 391636835 501 (C) 3 15000 0 GENERAL DONATION BANK OF PRAIRIE DU SAC 555 PARK AVE PRAIRIE DU SAC WI 53578 390148060 10000 0 GENERAL DONATION THE BANK OF NEW GLARUS 501 FIRST ST NEW GLARUS WI 53574 390147950 10000 0 GENERAL DONATION BAY BANK PO BOX 10855 GREEN BAY WI 54307 391806371 10000 0 GENERAL DONATION HORICON BANK 326 EAST LAKE STREET HORICON WI 53032 390356800 10000 0 GENERAL DONATION PREMIER BANK 70 N MAIN ST FORT ATKINSON WI 53538 390286170 10000 0 GENERAL DONATION WOODFORD STATE BANK 403 W 8TH STREET MONROE WI 53566 390720780 10000 0 GENERAL DONATION ASSEMBLY DEMOCRATIC CAMPAIGN COMMITTEE PO BOX 814 MADISON WI 53701 391269354 POLITICAL COMMITTEE 12000 0 GENERAL DONATION CENTER FOR INNOVATIVE POLICY 1225 EYE ST NW SUITE 100 WASHINGTON DC 20005 020747896 501 (C) 4 20000 0 GENERAL DONATION COMMITTEE TO ELECT A REPUBLICAN SENATE PO BOX 2741 MADISON WI 53717 391517505 POLITICAL COMMITTEE 12000 0 GENERAL DONATION DEMOCRATIC PARTY OF WISCONSIN 15 N PINCKNEY ST SUITE 200 MADISON WI 53703 390793066 POLITICAL GROUP 17000 0 GENERAL DONATION JOBS FIRST COALITION PO BOX 2071 BROOKFIELD WI 53008 270755923 501 (C) 4 100000 0 GENERAL DONATION MIDWEST GROWTH INC 311 N CASALOMA DR 7036 APPLETON WI 54913 812944346 501 (C) 4 10000 0 GENERAL DONATION REPUBLICAN ASSEMBLY CAMPAIGN COMMITTEE 148 EAST JOHNSON ST MADISON WI 53703 391429711 POLITICAL COMMITTEE 12000 0 GENERAL DONATION REPUBLICAN PARTY OF WISCONSIN 148 EAST JOHNSON ST MADISON WI 53703 390731529 POLITICAL GROUP 12000 0 GENERAL DONATION STATE GOVERNNMENT LEADERSHIP FOUNDATION 1201 F ST NW SUITE 675 WASHINGTON DC 20004 200505849 501 (C) 4 20000 0 GENERAL DONATION STATE SENATE DEMOCRATIC COMMITTEE PO BOX 164 MADISON WI 53701 391381723 POLITICAL COMMITTEE 12000 0 GENERAL DONATION WISCONSIN MANUFACTURERS AND COMMERCE-ISSUES MOBILIZATION FUND 501 E WASHINGTON MADISON WI 53703 391743887 501 (C) 4 25000 0 GENERAL DONATION WISCONSIN PRINCIPLES INC 1275 NIAGARA RD OCONOMOWOC WI 53066 992011538 501 (C) 4 67000 0 GENERAL DONATION 1 20 X X 1 1 X X X X 0 1 0 ROSE M OSWALD POELS PRESIDENT/CEO 367995 0 80960 0 3944 0 47000 0 40466 0 540365 0 0 0 DARYLL J LUND EXECUTIVE VP/COS 224535 0 35640 0 7920 0 26589 0 25679 0 320363 0 0 0 LORENZO CRUZ VP GOVERNMENT RELATIONS 155969 0 19320 0 2286 0 18440 0 38801 0 234816 0 0 0 SANDRA GIESE VP ADMINISTRATION/CFO 136394 0 16440 0 1917 0 15756 0 16051 0 186558 0 0 0 HEATHER MACKINNON VP LEGAL 125191 0 15133 0 941 0 14303 0 17514 0 173082 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS OF BOARD MEMBERS AND SOCIAL CLUB FEES (MADISON CLUB) ARE NOT INCLUDED IN ANY TAXABLE COMPENSATION. THE ORGANIZATION PAYS FOR THE PRESIDENT/CEO MEMBERSHIP TO A SOCIAL CLUB. PART I, LINE 4B ROSE M. OSWALD POELS PARTICIPATES IN A NON-QUALIFIED RETIREMENT PLAN. DURING THE YEAR THE ORGANIZATION CONTRIBUTED $12,888 TO THE PLAN ON HER BEHALF. FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS AND TWO CLASSES OF MEMBERSHIP, ACTIVE MEMBERS AND ASSOCIATE MEMBERS. ACTIVE MEMBERS CONSIST OF ANY NATIONAL OR STATE BANK, ANY NATIONAL OR STATE SAVINGS AND LOAN ASSOCIATION OR SAVINGS BANK OR ANY TRUST COMPANY BANK, EACH WITH AN OFFICE LOCATED WITHIN THE STATE OF WISCONSIN AND DOING BUSINESS THEREIN, AND WHICH SHALL BE APPROVED BY THE BOARD OF DIRECTORS AND PAY SUCH ANNUAL DUES AS MAY BE ESTABLISHED BY THE BOARD OF DIRECTORS. ASSOCIATE MEMBERS CONSIST OF ANY INDIVIDUAL, ENTITY OR GOVERNMENTAL UNIT WHO SHALL APPLY TO AND BE ACCEPTED FOR ASSOCIATE MEMBERSHIP BY THE BOARD OF DIRECTORS AND SHALL PAY SUCH ANNUAL DUES AS MAY BE ESTABLISHED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7A THE ORGANIZATION'S ACTIVE MEMBERS ELECT MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY THE ACTIVE MEMBERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION B, LINE 11B IN COMPLIANCE WITH INTERNAL REVENUE SERVICE GOVERNANCE GUIDELINES RELATING TO THE INCOME TAX FORM 990, THE ASSOCIATION WILL PROVIDE A COPY OF THE ORGANIZATION'S FINAL FORM 990 (INCLUDING REQUIRED SCHEDULES) TO EACH VOTING MEMBER OF THE WISCONSIN BANKERS ASSOCIATION BOARD OF DIRECTORS, WHETHER IN PAPER OR ELECTRONIC FORM, PRIOR TO ITS FILING WITH THE IRS. THE PRESIDENT/CEO AND VP FINANCE & ADMINISTRATION WILL REVIEW THE FORM 990 PRIOR TO DISTRIBUTION TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS THEN RECEIVES A DRAFT OF THE FORM 990 TO REVIEW. IN ADDITION, THE BOARD OF DIRECTORS WILL BE GIVEN AN OPPORTUNITY TO COMMENT TO MANAGEMENT ON THE COMPLETED FORM PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C FORMS ARE RE-SIGNED ANNUALLY AND REVIEWED BY THE PRESIDENT/CEO. ANY INDIVIDUAL WITH A PERCEIVED OR ACTUAL CONFLICT OF INTEREST IS RECUSED FROM DISCUSSION AND VOTING ON THE MATTER TO WHICH THE CONFLICT RELATES. FORM 990, PART VI, SECTION B, LINE 15 THIS COMPENSATION POLICY APPLIES TO THE PRESIDENT/CEO OF THE WISCONSIN BANKERS ASSOCIATION (WBA) AND INCLUDES THE FOLLOWING ANNUAL REVIEW PROCESS: REVIEW AND APPROVAL: THE COMPENSATION AND BENEFITS ARRANGEMENT FOR THE WBA PRESIDENT/CEO IS REVIEWED BY THE COMPENSATION COMMITTEE, WHO MAKE A RECOMMENDATION TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS ULTIMATELY APPROVES THE PRESIDENT/CEO COMPENSATION PACKAGE. ANY PERSON WITH A CONFLICT OF INTEREST REGARDING THE COMPENSATION, SUCH AS THE PRESIDENT/CEO, IS NOT INVOLVED IN THE REVIEW AND APPROVAL PROCESS. COMPARABLE COMPENSATION DATA: WHEN THE COMPENSATION COMMITTEE IS CONSIDERING ANNUAL COMPENSATION AND BENEFITS FOR THE PRESIDENT/CEO, THE MEMBERS REVIEW DATA OF COMPARABLE COMPENSATION IN SIMILAR ORGANIZATIONS. THIS DATA INCLUDES INDUSTRY SURVEY INFORMATION FROM LOCAL AND STATE NON-PROFIT ASSOCIATIONS AND NATIONAL BANKING TRADE ASSOCIATIONS. DOCUMENTATION: THE OFFICE MEETING MINUTES OF THE COMPENSATION COMMITTEE AND THE WBA BOARD OF DIRECTORS REFLECT THE REVIEW PROCESS AND DECISION REGARDING THE COMPENSATION ARRANGEMENT. THE WBA CEO ALSO USED MARKET DATA AS WELL AS OTHER ASSOCIATION SURVEYS TO ESTABLISH KEY EMPLOYEE WAGES AND BENEFITS. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION DOES NOT MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC. FORM 990, PART XI, LINE 9: EQUITY IN NET LOSS OF SUBSIDIARIES 109,978. DIVIDENDS DECLARED 75,000. EQUITY IN EARNINGS OF SUBSIDIARIES -162,762. FORM 990, PART XII, LINE 2C: THERE WERE NO CHANGES FROM PRIOR YEAR. WISCONSIN BANKERS FOUNDATION INC 4721 S BILTMORE LANE MADISON WI 53718 463791061 FINANCIAL EDUCATION AND RESEARCH WI 501(C)(3) LINE 7 N/A 0 MIDWEST BANKERS INSURANCE SERVICES LLC 8050 WASHINGTON AVE SOUTH EDEN MN 55344 452602101 SERVICES MN N/A 0 0 GENERATIONS TITLE COMPANY LLC 6400 GISHOLT DRIVE MONONA WI 53713 203017979 SERVICES WI N/A 0 0 MIDWEST FINANCIAL INSTITUTIONS GROUP INC AND SUBSIDIARIES 4721 SOUTH BILTMORE LANE MADISON WI 53718 851205672 INSURANCE AGENCY AND BROKERAGE SERVICES WI WISCONSIN BANKERS ASSOCIATION C 4475184 5908330 1.00000 1 1 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 0 0 MIDWEST FINANCIAL INSTITUTIONS GROUP INC AND SUBSIDIARIES A 36369 FMV MIDWEST FINANCIAL INSTITUTIONS GROUP INC AND SUBSIDIARIES F 75000 FMV MIDWEST FINANCIAL INSTITUTIONS GROUP INC AND SUBSIDIARIES L 991896 FMV