2013-05-14T10:32:47-05:00 2012-12-31 390912608 HAWKINS ASH BAPTIE AND CO LLP 400 REID STREET SUITE V DE PERE WI 541152164 990 2012-01-01 390394240 CAPITAL CREDIT UNION CAPI 9207887304 738 FORD STREET KIMBERLY WI 54136 ALAN ZIERLER 9207887304 2013-05-13 1 STEVE HANDRICK P00007603 9203369850 2012 2016-02-24 21:20:13Z ALAN ZIERLER 738 FORD STREET KIMBERLY WI 54136 17828559 0 X WWW.CAPITALCU.COM X 1934 WI A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUTION THAT OFFERS OUR MEMBERS MULTIPLE LOAN PRODUCTS AS WELL AS SHARE, SHARE DRAFT, CD AND IRA PRODUCTS. IN ADDITION, CAPITAL SERVES MEMBERS BY OFFERING AUTOMATED TELLER MACHINES, DIRECT DEPOSIT, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY AND MANY OTHER SERVICES. CAPITAL SERVES OVER 32,000 MEMBERS IN OUTAGAMIE, CALUMET, WINNEBAGO AND BROWN COUNTIES. 9 8 203 9 20677 0 0 0 17654696 17352970 -455094 279757 34665 36480 17234267 17669207 0 0 0 0 6058172 6229851 0 0 0 8188948 7963376 14247120 14193227 2987147 3475980 417534910 449547050 357929155 386425376 59605755 63121674 NONE 0 0 HOLDING DEPOSITS FOR AND MAKING LOANS TO MEMEBERS 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 1 11091 0 1 203 1 1 1 0 0 0 0 0 0 0 X 9 8 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X ALAN M ZIERLER 9207313195 738 FORD STREET KIMBERLY WI 54136 ALAN ZIERLER 40.00 X X 279299 0 0 STEVEN FRASSETTO 1.00 X 552 0 0 JEFFREY HERMUS 1.00 X 552 0 0 RANDALL SANDERS 1.00 X 598 0 0 COLLEEN VAN ZEELAND 1.00 X 598 0 0 MELANIE HAEN 1.00 X 599 0 0 NANCY RIETVELD 1.00 X 414 0 0 AARON STEFFENS 1.00 X 599 0 0 BRUCE WEILAND 1.00 X 552 0 0 VICKI RUNNING 40.00 X 103085 0 0 TIMOTHY WYNGAARD 40.00 X 118828 0 0 MICHANA WESTERFIELD 40.00 X 101998 0 0 607674 0 0 4 0 1 0 0 PROG.SERV.REVENUE-RELA 900099 17332293 17332293 ATM 900099 20677 20677 17352970 439109 439109 36480 0 36480 36480 36480 159352 -159352 -159352 -159352 17669207 17648530 20677 0 607674 5597687 24490 55072 64700 960423 98532 566395 331259 367125 DIVIDENDS ON SHARES 2731662 OTHER EXPENSES 848890 DEBIT/CREDIT CARD EXPEN 707935 PROVISION FOR BAD DEBT 423879 807504 14193227 6511436 16329537 84046927 100724635 402532 705534 300727389 295459334 274304 251145 11673902 4939206 6828090 6734696 9014395 13010027 142983 144988 9586854 16187154 417534910 449547050 2631096 2070982 355298059 384354394 357929155 386425376 X 0 0 11453629 11493569 48152126 51628105 59605755 63121674 417534910 449547050 3475980 39939 0 X X 0 1 X 1 0 1830752 1830752 6951985 2634448 4317537 61977 22053 39924 2829188 2282705 546483 6734696 SHARES 384354394 384354394 X 17709146 39939 39939 17669207 0 17669207 14193227 0 14193227 0 14193227 DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X, LINE 2: IN ACCORDANCE WITH U.S. GAAP, THE CREDIT UNION HAS ADOPTED THE PROVISIONS OF "ACCOUNTING FOR UNCERTAINT IN INCOME TAXES," ON JANUARY 1, 2009. THE IMPLEMENTATION OF THIS STANDARD HAD NO IMPACT ON THE FINANCIAL STATEMENTS. AS OF BOTH THE DATE OF ADOPTION, AND AS OF DECEMBER 31, 2012 AND 2011, THE UNRECOGNIZED TAX BENEFIT ACCRUAL WAS ZERO. THE CREDIT UNION WILL RECOGNIZE FUTURE ACCRUED INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS INCOME TAX EXPENSE IF INCURRED. THE CREDIT UNION IS NO LONGER SUBJECT TO FEDERAL TAX EXAMINATION BY TAX AUTHORITIES FOR YEARS BEFORE 2009 AND STATE EXAMINATIONS FOR YEARS BEFORE 2008. X 1 1 X X X 0 0 0 ALAN ZIERLER 261700 0 17000 0 599 0 0 0 0 0 279299 0 0 0 ALAN ZIERLER X 10000 4610 0 1 1 TIMOTHY WYNGAARD X 2500 320 0 1 1 MELANIE HAEN X 154800 133360 0 1 1 RANDALL SANDERS X 50000 22821 0 1 1 RANDALL SANDERS X 100000 95281 0 1 1 BRUCE WEILAND X 75000 39938 0 1 1 BRUCE WEILAND X 6000 2108 0 1 1 JEFFREY HERMUS X 50000 19365 0 1 1 MELANIE HAEN X 20748 16479 0 1 1 MELANIE HAEN X 14146 8897 0 1 1 MELANIE HAEN X 16830 16565 0 1 1 MELANIE HAEN X 18000 16859 0 1 1 BRUCE WEILAND X 44701 39632 0 1 1 MICHANA WESTERFIELD X 54002 51649 0 1 1 MICHANA WESTERFIELD X 275000 225059 0 1 1 AARON STEFFENS X 14415 12591 0 1 1 705534 MENN LAW FIRM STEVEN FRASSETTO-PARTNER 156281 COMMERCIAL MORTGAGE LOAN 0 2501 ENTERPRISE LLC STEVEN FRASSETTO-PARTNER 1108104 COMMERCIAL MORTGAGE LOAN 0 FORM 990, PART VI, SECTION A, LINE 6 MEMBERS ARE INDIVIDUALS LIVING OR WORKING IN THE COUNTIES OF BROWN, CALUMET, OUTAGAMIE, AND WINNEBAGO THAT HAVE DEPOSITS WITH THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A BOARD OF DIRECTORS IS ELECTED BY MEMBERS FORM 990, PART VI, SECTION B, LINE 11 MADE AVAILABLE TO THE BOARD OF DIRECTORS PRIOR TO FILING FORM 990, PART VI, SECTION B, LINE 12C DISCUSSION IN BOARD MEETINGS AND DOCUMENTED IN BOARD MINUTES FORM 990, PART VI, SECTION B, LINE 15 THE PROCESS OF DETERMINING PROPER COMPENSATION IS COMPLETED DURING BOARD OF DIRECTORS MEETINGS FORM 990, PART VI, SECTION C, LINE 19 AVAILABLE UPON REQUEST FORM 990 PART XII LINE 2C THE BOARD OF DIRECTORS OVERSEE THE AUDIT PROCESS AND THIS HAS NOT CHANGED FROM PRIOR YEARS.