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

  • Peoples State Bank in Wausau, Wisconsin (WI)
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Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 18569
    Status: Active
    Federal Reserve ID: 340144
    Bank Holding Company (Regulatory Top Holder): Psb Holdings, Inc. (RSSDID: 2321419, Location: Wausau, WI)
    Date Established: August 01, 1962
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 14149
    FDIC's unique #: 12457
    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: August 01, 1962
    Last Structure Change Effective Date: July 01, 2006
    Last Structure Change Process Date: August 21, 2006
    Last Data Update: August 21, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1905 West Stewart Avenue, Wausau, WI 54401
    County: Marathon
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Appleton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Wausau, WI (#8940)
    Combined Statistical Area (CSA): Wausau-Merrill, WI (#554)
    Core Based Statistical Area (CBSA): Wausau, WI (#48140)
    CBSA Metro Statistical Area: Wausau, WI (#48140)
  • Financial Summary
  • Total assets: $621.9 mil
    Equity capital: $62.4 mil
    Deposits held in domestic offices: $484.1 mil
    Return on assets (ROA): 0.97% ($6.0 mil)
    Quarterly return on assets: 1.01% ($6.3 mil)
    Return on Equity (ROE): 9.67% ($6.0 mil)
    Quarterly return on equity: 9.96% ($6.2 mil)
    Net income: $5.9 mil
    Quarterly Net income: $1.6 mil
    Pretax return on assets: 1.43% ($8,893.3 mil)
    Quarterly Pretax return on assets: 1.51% ($9,390.9 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
  • 124Total employees (full-time equivalent)
  • $621,911Total assets
  • $38,568Cash and due from depository institutions
  • $23,575Interest-bearing balances
  • $108,630Securities
  • $1,629Federal funds sold & reverse repurchase agreements
  • $437,596Net loans & leases
  • $7,941Loan loss allowance
  • $0Trading account assets
  • $9,928Bank premises and fixed assets
  • $2,939Other real estate owned
  • $1,205Goodwill and other intangibles
  • $621,911Life insurance assets
  • $21,416All other assets
  • $559,494Total liabilities and capital
  • $484,143Total liabilities
  • $408,475Total deposits
  • $484,143Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 19691.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $50,124Trading liabilities
  • $0Other borrowed funds
  • $5,536Subordinated debt
  • $62,417All other liabilities
  • $62,417Total equity capital
  • $62,417Total bank equity capital
  • $0Perpetual preferred stock
  • $1,805Common stock
  • $21,920Surplus
  • $38,692Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $39Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,974Income earned, not collected on loans
  • $513Earning assets
  • $2,068Long-term assets (5+ years)
  • $571,430Average Assets, year-to-date
  • $104,610Average Assets, quarterly
  • $610,652Volatile liabilities
  • $616,125Insider loans
  • $456,995FHLB advances
  • $600,931Loans and leases held for sale
  • $11,406Unused loan commitments
  • $11,406Tier 1 (core) risk-based capital
  • $60,011Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $95,055Restructured Loans and leases
  • $12,333Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,808Total interest income
  • $7,855Total interest expense
  • $20,953Net interest income
  • $1,390Provision for loan and lease losses
  • $4,310Total noninterest income
  • $0Fiduciary activities
  • $1,632Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,678Additional noninterest income
  • $15,150Total noninterest expense
  • $8,833Salaries and employee benefits
  • $1,685Premises and equipment expense
  • $4,632Additional noninterest expense
  • $8,723Pre-tax net operating income
  • $32Securities gains (losses)
  • $2,823Applicable income taxes
  • $5,932Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,932Net income attributable to bank
  • $0Net charge-offs
  • $5,932Cash dividends
  • $1,409Sale, conversion, retirement of capital stock, net
  • $2,875Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 3.72%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 9.67%Return on equity (ROE)
  • 4.98%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 98.65%Credit loss provision to net charge-offs
  • 7.18%Efficiency ratio
  • 59,969Assets per employee
  • 5.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 48.47%Loss allowance to loans
  • 1.78%Loss allowance to noncurrent loans
  • 99.59%Noncurrent assets plus other real estate owned to assets
  • 1.88%Noncurrent loans to loans
  • 1.79%Net loans and leases to deposits
  • 90.39%Net loans and leases to core deposits
  • 113.94%Equity capital to assets
  • 10.04%Core capital (leverage) ratio
  • 9.99%Tier 1 risk-based capital ratio
  • 13.13%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $610,652Average earning assets
  • $61,329Average equity
  • $563,357Average loans

List of branches

  • 8 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012457Peoples State Bank1905 West Stewart Avenue, Wausau, WI 54401August 01, 1962Full Service Brick and Mortar
    1245766Rib Mountain Branch2904 Rib Mountain Drive, Wausau, WI 54401May 15, 1989Full Service Brick and Mortar
    2245767Marathon Branch301 Main Street, Marathon, WI 54448January 02, 1991Full Service Brick and Mortar
    3245768Eastside Branch1201 North Sixth Street, Wausau, WI 54403October 15, 1995Full Service Brick and Mortar
    5361859Eagle River Branch937 East Wall Street, Eagle River, WI 54521August 29, 2001Full Service Brick and Mortar
    6365405Rhinelander Branch8 East Anderson Street, Rhinelander, WI 54501August 19, 2002Full Service Brick and Mortar
    7431922Minocqua Branch9560 Highway 70 West, Minocqua, WI 54548May 03, 2004Full Service Brick and Mortar
    8437821Weston Branch7205 Stone Ridge Drive, Weston, WI 54476Febuary 23, 2005Full Service Brick and Mortar

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