Bank of Prairie du Sac in Prairie Du Sac, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Prairie du Sac - Overview

  • General
  • FDIC Certificate #: 14660
    Status: Active
    Federal Reserve ID: 997847
    Bank Holding Company (Regulatory Top Holder): Ploetz Investments Limited Partnership (RSSDID: 2658496, Location: Prairie Du Sac, WI)
    Date Established: March 22, 1916
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9166
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 555 Park Avenue, Prairie Du Sac, WI 53578
    County: Sauk
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Baraboo, WI (#12660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $296.0 mil
    Equity capital: $48.7 mil
    Deposits held in domestic offices: $245.5 mil
    Return on assets (ROA): 1.66% ($4.9 mil)
    Quarterly return on assets: 1.47% ($4.4 mil)
    Return on Equity (ROE): 10.31% ($5.1 mil)
    Quarterly return on equity: 8.86% ($4.3 mil)
    Net income: $4.7 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 2.24% ($6,631.0 mil)
    Quarterly Pretax return on assets: 1.95% ($5,772.5 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
  • 49Total employees (full-time equivalent)
  • $296,027Total assets
  • $26,363Cash and due from depository institutions
  • $19,530Interest-bearing balances
  • $108,277Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $156,697Net loans & leases
  • $5,076Loan loss allowance
  • $0Trading account assets
  • $1,393Bank premises and fixed assets
  • $225Other real estate owned
  • $0Goodwill and other intangibles
  • $296,027Life insurance assets
  • $3,072All other assets
  • $247,320Total liabilities and capital
  • $245,548Total liabilities
  • $188,776Total deposits
  • $245,548Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $772Subordinated debt
  • $48,707All other liabilities
  • $48,707Total equity capital
  • $48,707Total bank equity capital
  • $0Perpetual preferred stock
  • $1,280Common stock
  • $8,000Surplus
  • $39,427Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,419Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,825Income earned, not collected on loans
  • $51Earning assets
  • $1,576Long-term assets (5+ years)
  • $284,504Average Assets, year-to-date
  • $87,029Average Assets, quarterly
  • $284,505Volatile liabilities
  • $293,135Insider loans
  • $196,689FHLB advances
  • $291,563Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $46,397Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $34,397Restructured Loans and leases
  • $6,483Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,836Total interest income
  • $1,573Total interest expense
  • $11,263Net interest income
  • $1,100Provision for loan and lease losses
  • $1,463Total noninterest income
  • $0Fiduciary activities
  • $273Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,190Additional noninterest income
  • $5,290Total noninterest expense
  • $3,323Salaries and employee benefits
  • $347Premises and equipment expense
  • $1,620Additional noninterest expense
  • $6,336Pre-tax net operating income
  • $48Securities gains (losses)
  • $1,667Applicable income taxes
  • $4,717Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,717Net income attributable to bank
  • $0Net charge-offs
  • $4,717Cash dividends
  • $167Sale, conversion, retirement of capital stock, net
  • $1,743Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.69%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.12%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 1.93%Noninterest expense to earning assets
  • 1.65%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 2.24%Pretax return on assets
  • 10.31%Return on equity (ROE)
  • 6.50%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 658.68%Credit loss provision to net charge-offs
  • 44.53%Efficiency ratio
  • 41,568Assets per employee
  • 6.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.95%Loss allowance to loans
  • 3.14%Loss allowance to noncurrent loans
  • 179.68%Noncurrent assets plus other real estate owned to assets
  • 1.03%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 63.82%Net loans and leases to core deposits
  • 66.47%Equity capital to assets
  • 16.45%Core capital (leverage) ratio
  • 15.91%Tier 1 risk-based capital ratio
  • 23.59%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $284,505Average earning assets
  • $45,772Average equity
  • $273,693Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09166Bank Of Prairie Du Sac555 Park Avenue, Prairie Du Sac, WI 53578March 22, 1916Full Service Brick and Mortar
    1231892Sauk City Branch865 Phillips Boulevard, Sauk City, WI 53583August 22, 1991Full Service Brick and Mortar

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