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



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Peoples State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Trust Powers
Financial SummaryTotal 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)
Total employees (full-time equivalent)93
Total assets$523,025
Cash and due from depository institutions$11,557
Interest-bearing balances$3,368
Securities$134,671
Federal funds sold & reverse repurchase agreements$138
Net loans & leases$351,155
Loan loss allowance $6,822
Trading account assets$0
Bank premises and fixed assets$5,656
Other real estate owned$129
Goodwill and other intangibles$3,939
All other assets$15,780
Life insurance assets$523,025
Total liabilities and capital$467,187
Total liabilities$434,469
Total deposits$348,159
Interest-bearing deposits$434,469
Deposits held in domestic offices$88
% insured (estimated)17832.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,387
Other borrowed funds $0
Subordinated debt $1,499
All other liabilities $55,838
Total equity capital$55,838
Total bank equity capital$55,838
Perpetual preferred stock$0
Common stock$950
Surplus$17,740
Undivided profits $37,148
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $6,642
Earning assets $319
Long-term assets (5+ years) $3,448
Average Assets, year-to-date $489,332
Average Assets, quarterly $145,767
Volatile liabilities $503,034
Insider loans $515,058
FHLB advances $365,170
Loans and leases held for sale $514,339
Unused loan commitments $9,639
Tier 1 (core) risk-based capital $6,275
Tier 2 risk-based capital $49,038
Total risk weighted assets $0
Total unused commitments $3,364
Restructured Loans and leases $9,621
Derivatives$6,725
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $24,022
Total interest expense $6,775
Net interest income $17,247
Provision for loan and lease losses $895
Total noninterest income $1,571
Fiduciary activities $0
Service charges on deposit accounts $811
Trading account gains & fees $0
Additional noninterest income $760
Total noninterest expense $9,810
Salaries and employee benefits $6,040
Premises and equipment expense $950
Additional noninterest expense $2,820
Pre-tax net operating income $8,113
Securities gains (losses) $0
Applicable income taxes $94
Income before extraordinary items $8,019
Extraordinary gains - net $0
Net income attributable to bank $8,019
Net charge-offs $0
Cash dividends $8,019
Sale, conversion, retirement of capital stock, net $117
Net operating income $3,711
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.13%
Cost of funding earning assets 1.45%
Net interest margin 3.68%
Noninterest income to earning assets 0.34%
Noninterest expense to earning assets 2.10%
Net operating income to assets 1.59%
Return on assets (ROA) 1.59%
Pretax return on assets 1.61%
Return on equity (ROE) 15.15%
Retained earnings to average equity (YTD only) 8.14%
Net charge-offs to loans 0.03%
Credit loss provision to net charge-offs 764.96%
Efficiency ratio76.99%
Assets per employee$52,078
Cash dividends to net income (YTD only)5.62%
Condition Ratios (%)
Loss allowance to loans 46.28%
Loss allowance to noncurrent loans 1.91%
Noncurrent assets plus other real estate owned to assets 102.71%
Noncurrent loans to loans 1.29%
Net loans and leases to deposits1.86%
Net loans and leases to core deposits 80.82%
Equity capital to assets 95.95%
Core capital (leverage) ratio 10.68%
Tier 1 risk-based capital ratio 9.53%
Total risk-based capital ratio 13.43%
Memoranda
Average assets$15
Average earning assets$503,034
Average equity $52,919
Average loans $468,114
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1 Iowa Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1410146Security State Bank Branch15 Goethe, Guttenberg, IA 52052January 01, 1934Full Service Brick and Mortar
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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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