Peoples State Bank of Plainview in Plainview, Minnesota (MN), WI
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples State Bank of Plainview - Overview

  • General
  • FDIC Certificate #: 1100
    Status: Active
    Federal Reserve ID: 786555
    Bank Holding Company (Regulatory Top Holder): Wrz Bankshares, Inc. (RSSDID: 1427640, Location: Plainview, MN)
    Date Established: June 29, 1925
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 10666
    FDIC's unique #: 745
    Numeric code: 13
    Regulator: FED
    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: October 02, 2007
    Last Structure Change Process Date: October 02, 2007
    Last Data Update: October 02, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 4th Avenue S.E., Plainview, MN 55964
    County: Wabasha
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Rochester, MN (#40340)
    CBSA Metro Statistical Area: Rochester, MN (#40340)
  • Financial Summary
  • Total assets: $179.0 mil
    Equity capital: $17.0 mil
    Deposits held in domestic offices: $142.5 mil
    Return on assets (ROA): 1.12% ($2.0 mil)
    Quarterly return on assets: 1.31% ($2.3 mil)
    Return on Equity (ROE): 11.83% ($2.0 mil)
    Quarterly return on equity: 13.76% ($2.3 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.12% ($2,005.2 mil)
    Quarterly Pretax return on assets: 1.32% ($2,363.3 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
  • 38Total employees (full-time equivalent)
  • $179,039Total assets
  • $5,365Cash and due from depository institutions
  • $2,092Interest-bearing balances
  • $57,457Securities
  • $95Federal funds sold & reverse repurchase agreements
  • $106,909Net loans & leases
  • $1,825Loan loss allowance
  • $0Trading account assets
  • $2,213Bank premises and fixed assets
  • $866Other real estate owned
  • $0Goodwill and other intangibles
  • $179,039Life insurance assets
  • $6,134All other assets
  • $162,055Total liabilities and capital
  • $142,534Total liabilities
  • $118,234Total deposits
  • $142,534Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 4832.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,371Trading liabilities
  • $0Other borrowed funds
  • $2,318Subordinated debt
  • $16,984All other liabilities
  • $16,984Total equity capital
  • $16,984Total bank equity capital
  • $0Perpetual preferred stock
  • $900Common stock
  • $7,100Surplus
  • $8,984Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $782Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,057Income earned, not collected on loans
  • $0Earning assets
  • $945Long-term assets (5+ years)
  • $166,553Average Assets, year-to-date
  • $75,313Average Assets, quarterly
  • $170,817Volatile liabilities
  • $177,027Insider loans
  • $117,418FHLB advances
  • $177,790Loans and leases held for sale
  • $3,519Unused loan commitments
  • $3,519Tier 1 (core) risk-based capital
  • $15,619Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,447Restructured Loans and leases
  • $640Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,571Total interest income
  • $2,039Total interest expense
  • $5,532Net interest income
  • $491Provision for loan and lease losses
  • $1,222Total noninterest income
  • $0Fiduciary activities
  • $366Service charges on deposit accounts
  • $0Trading account gains & fees
  • $856Additional noninterest income
  • $4,348Total noninterest expense
  • $2,648Salaries and employee benefits
  • $494Premises and equipment expense
  • $1,206Additional noninterest expense
  • $1,915Pre-tax net operating income
  • $5Securities gains (losses)
  • $6Applicable income taxes
  • $1,914Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,914Net income attributable to bank
  • $0Net charge-offs
  • $1,914Cash dividends
  • $363Sale, conversion, retirement of capital stock, net
  • $1,354Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 3.49%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • 1.12%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 11.83%Return on equity (ROE)
  • 3.46%Retained earnings to average equity (YTD only)
  • 0.34%Net charge-offs to loans
  • 135.26%Credit loss provision to net charge-offs
  • 6.63%Efficiency ratio
  • 64,377Assets per employee
  • 4.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.74%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 88.72%Noncurrent assets plus other real estate owned to assets
  • 1.63%Noncurrent loans to loans
  • 1.89%Net loans and leases to deposits
  • 75.01%Net loans and leases to core deposits
  • 77.36%Equity capital to assets
  • 9.49%Core capital (leverage) ratio
  • 8.79%Tier 1 risk-based capital ratio
  • 13.30%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $170,817Average earning assets
  • $16,178Average equity
  • $158,474Average loans

List of branches

  • 3 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0745Peoples State Bank Of Plainview100 4th Avenue S.E., Plainview, MN 55964June 29, 1925Full Service Brick and Mortar
    19561Elgin Branch155 East Main, Elgin, MN 55932May 14, 1935Full Service Brick and Mortar
    2233345Millville BranchDivision And Snider Streets, Millville, MN 55957May 30, 1978Limited Service Facility
  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    3775Boyceville Branch715 Highway 79, Boyceville, WI 54725January 01, 1909Full Service Brick and Mortar
    4187939Messenger Service Branch715 Highway 79, Boyceville, WI 54725April 07, 1997Limited Service Messenger
    5187940Menomonie Branch1428 Broadway St N, Menomonie, WI 54751July 08, 1998Full Service Brick and Mortar

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