Peoples Bank in Elkhorn, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Bank in Elkhorn, Wisconsin (WI)
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Peoples Bank - Overview

  • General
  • FDIC Certificate #: 35367
    Status: Active
    Federal Reserve ID: 2886178
    Bank Holding Company (Regulatory Top Holder): Peoples Bancshares, Inc. (RSSDID: 3182765, Location: Elkhorn, WI)
    Date Established: March 05, 2001
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 78831
    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: March 05, 2001
    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: 837 N. Wisconsin Street, Elkhorn, WI 53121
    County: Walworth
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Milwaukee
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Whitewater, WI (#48580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $185.5 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $163.0 mil
    Return on assets (ROA): 0.50% ($0.9 mil)
    Quarterly return on assets: 0.55% ($1.0 mil)
    Return on Equity (ROE): 4.92% ($0.9 mil)
    Quarterly return on equity: 5.30% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.81% ($1,502.5 mil)
    Quarterly Pretax return on assets: 0.88% ($1,632.4 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
  • 52Total employees (full-time equivalent)
  • $185,496Total assets
  • $28,085Cash and due from depository institutions
  • $24,395Interest-bearing balances
  • $3,597Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $145,382Net loans & leases
  • $2,769Loan loss allowance
  • $0Trading account assets
  • $3,952Bank premises and fixed assets
  • $1,442Other real estate owned
  • $0Goodwill and other intangibles
  • $185,496Life insurance assets
  • $3,038All other assets
  • $166,438Total liabilities and capital
  • $162,996Total liabilities
  • $127,842Total deposits
  • $162,996Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 901.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $541Subordinated debt
  • $19,058All other liabilities
  • $19,058Total equity capital
  • $19,058Total bank equity capital
  • $0Perpetual preferred stock
  • $1,457Common stock
  • $13,978Surplus
  • $3,623Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,266Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,396Income earned, not collected on loans
  • $0Earning assets
  • $494Long-term assets (5+ years)
  • $173,374Average Assets, year-to-date
  • $6,615Average Assets, quarterly
  • $182,912Volatile liabilities
  • $183,935Insider loans
  • $143,155FHLB advances
  • $181,603Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,030Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,841Restructured Loans and leases
  • $4,108Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,275Total interest income
  • $1,759Total interest expense
  • $6,516Net interest income
  • $700Provision for loan and lease losses
  • $1,165Total noninterest income
  • $0Fiduciary activities
  • $229Service charges on deposit accounts
  • $0Trading account gains & fees
  • $936Additional noninterest income
  • $5,505Total noninterest expense
  • $3,187Salaries and employee benefits
  • $544Premises and equipment expense
  • $1,774Additional noninterest expense
  • $1,476Pre-tax net operating income
  • $0Securities gains (losses)
  • $557Applicable income taxes
  • $919Income before extraordinary items
  • $0Extraordinary gains - net
  • $919Net income attributable to bank
  • $0Net charge-offs
  • $919Cash dividends
  • $398Sale, conversion, retirement of capital stock, net
  • $190Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.84%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.81%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 0.50%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 4.92%Return on equity (ROE)
  • 3.91%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 175.88%Credit loss provision to net charge-offs
  • 5.47%Efficiency ratio
  • 71,670Assets per employee
  • 3.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.67%Loss allowance to loans
  • 1.87%Loss allowance to noncurrent loans
  • 62.99%Noncurrent assets plus other real estate owned to assets
  • 3.15%Noncurrent loans to loans
  • 2.97%Net loans and leases to deposits
  • 89.19%Net loans and leases to core deposits
  • 94.49%Equity capital to assets
  • 10.27%Core capital (leverage) ratio
  • 10.48%Tier 1 risk-based capital ratio
  • 13.29%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $182,912Average earning assets
  • $18,666Average equity
  • $171,060Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078831Peoples Bank837 N. Wisconsin Street, Elkhorn, WI 53121March 05, 2001Full Service Brick and Mortar
    1444133County Road A BranchW5109 County Road A, Elkhorn, WI 53121August 29, 2005Full Service Brick and Mortar
    2462471Silver Lake Branch29430 Silver Lake Road, Silver Lake, WI 53170April 16, 2007Full Service Brick and Mortar

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