Peoples State Bank in Prairie Du Chien, Wisconsin (WI), IA
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples State Bank in Prairie Du Chien, Wisconsin (WI), IA
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Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 12814
    Status: Active
    Federal Reserve ID: 262844
    Bank Holding Company (Regulatory Top Holder): Peoples Bancorp, Inc. (RSSDID: 1209499, Location: Prairie Du Chien, WI)
    Date Established: January 22, 1915
    WWW: http://www.peoplesfinancial.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: Yes)
    OTS Docket #: 10276
    FDIC's unique #: 8116
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 07, 2011
    Last Structure Change Process Date: September 12, 2011
    Last Data Update: September 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 E Blackhawk Ave, Prairie Du Chien, WI 53821
    County: Crawford
    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
  • History of Changes
  • Change in Trust Powers
  • Financial Summary
  • Total assets: $523.0 mil
    Equity capital: $55.8 mil
    Deposits held in domestic offices: $434.5 mil
    Return on assets (ROA): 1.59% ($8.3 mil)
    Quarterly return on assets: 1.67% ($8.7 mil)
    Return on Equity (ROE): 15.15% ($8.5 mil)
    Quarterly return on equity: 15.51% ($8.7 mil)
    Net income: $8.0 mil
    Quarterly Net income: $2.2 mil
    Pretax return on assets: 1.61% ($8,420.7 mil)
    Quarterly Pretax return on assets: 1.67% ($8,734.5 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
  • 93Total employees (full-time equivalent)
  • $523,025Total assets
  • $11,557Cash and due from depository institutions
  • $3,368Interest-bearing balances
  • $134,671Securities
  • $138Federal funds sold & reverse repurchase agreements
  • $351,155Net loans & leases
  • $6,822Loan loss allowance
  • $0Trading account assets
  • $5,656Bank premises and fixed assets
  • $129Other real estate owned
  • $3,939Goodwill and other intangibles
  • $523,025Life insurance assets
  • $15,780All other assets
  • $467,187Total liabilities and capital
  • $434,469Total liabilities
  • $348,159Total deposits
  • $434,469Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 17832.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,387Trading liabilities
  • $0Other borrowed funds
  • $1,499Subordinated debt
  • $55,838All other liabilities
  • $55,838Total equity capital
  • $55,838Total bank equity capital
  • $0Perpetual preferred stock
  • $950Common stock
  • $17,740Surplus
  • $37,148Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,642Income earned, not collected on loans
  • $319Earning assets
  • $3,448Long-term assets (5+ years)
  • $489,332Average Assets, year-to-date
  • $145,767Average Assets, quarterly
  • $503,034Volatile liabilities
  • $515,058Insider loans
  • $365,170FHLB advances
  • $514,339Loans and leases held for sale
  • $9,639Unused loan commitments
  • $6,275Tier 1 (core) risk-based capital
  • $49,038Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,364Total unused commitments
  • $9,621Restructured Loans and leases
  • $6,725Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $24,022Total interest income
  • $6,775Total interest expense
  • $17,247Net interest income
  • $895Provision for loan and lease losses
  • $1,571Total noninterest income
  • $0Fiduciary activities
  • $811Service charges on deposit accounts
  • $0Trading account gains & fees
  • $760Additional noninterest income
  • $9,810Total noninterest expense
  • $6,040Salaries and employee benefits
  • $950Premises and equipment expense
  • $2,820Additional noninterest expense
  • $8,113Pre-tax net operating income
  • $0Securities gains (losses)
  • $94Applicable income taxes
  • $8,019Income before extraordinary items
  • $0Extraordinary gains - net
  • $8,019Net income attributable to bank
  • $0Net charge-offs
  • $8,019Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $3,711Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.45%Cost of funding earning assets
  • 3.68%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 2.10%Noninterest expense to earning assets
  • 1.59%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 15.15%Return on equity (ROE)
  • 8.14%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 764.96%Credit loss provision to net charge-offs
  • 76.99%Efficiency ratio
  • 52,078Assets per employee
  • 5.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.28%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 102.71%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.86%Net loans and leases to deposits
  • 80.82%Net loans and leases to core deposits
  • 95.95%Equity capital to assets
  • 10.68%Core capital (leverage) ratio
  • 9.53%Tier 1 risk-based capital ratio
  • 13.43%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $503,034Average earning assets
  • $52,919Average equity
  • $468,114Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    1410146Security State Bank Branch15 Goethe, Guttenberg, IA 52052January 01, 1934Full Service Brick and Mortar
  • 12 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08116Peoples State Bank301 E Blackhawk Ave, Prairie Du Chien, WI 53821January 22, 1915Full Service Brick and Mortar
    1227908Glen Haven Branch13207 Main St, Glen Haven, WI 53810August 28, 1934Full Service Brick and Mortar
    2227909Patch Grove BranchHwy 35, Patch Grove, WI 53817September 06, 1938Full Service Brick and Mortar
    3227910Soldiers Grove Branch101 Sunbeam Blvd, Soldiers Grove, WI 54655Febuary 08, 1934Full Service Brick and Mortar
    4227911Wauzeka Branch106 S Business St, Wauzeka, WI 53826March 04, 1939Full Service Brick and Mortar
    5227912Riverside Square Branch1000 East Lapointe Street, Prairie Du Chien, WI 53821January 27, 1999Full Service Brick and Mortar
    6227913Mt. Hope Branch116 East Main Street, Mt. Hope, WI 53816May 10, 1999Full Service Brick and Mortar
    9227915Boscobel Branch1609 Elm Street, Boscobel, WI 53805October 11, 1999Full Service Brick and Mortar
    10227916Seneca BranchMain Street, Highway 27, Seneca, WI 54654March 13, 2000Full Service Brick and Mortar
    11468301Bagley Branch115 South Bagley Avenue, Bagley, WI 53801October 01, 2007Full Service Brick and Mortar
    12507805Eastman Branch103 North Main Street, Eastman, WI 54626April 12, 2010Full Service Brick and Mortar
    138103Woodhouse&Bartley Branch445 Canal Street, Bloomington, WI 53804Febuary 01, 1883Full Service Brick and Mortar

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