Pigeon Falls State Bank in Pigeon Falls, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Pigeon Falls State Bank in Pigeon Falls, Wisconsin (WI)
  • Show street view No street view available for this location

Pigeon Falls State Bank - Overview

  • General
  • FDIC Certificate #: 13030
    Status: Active
    Federal Reserve ID: 37051
    Bank Holding Company (Regulatory Top Holder): Pfsb Bancorporation, Inc. (RSSDID: 2765282, Location: Pigeon Falls, WI)
    Date Established: April 06, 1920
    WWW: http://www.pfsbank.com
    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 #: 8236
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 40214 S Ekern Avenue, Pigeon Falls, WI 54760
    County: Trempealeau
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Eau Claire
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $67.0 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $59.3 mil
    Return on assets (ROA): 0.75% ($0.5 mil)
    Quarterly return on assets: 0.77% ($0.5 mil)
    Return on Equity (ROE): 7.06% ($0.5 mil)
    Quarterly return on equity: 7.20% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.01% ($676.9 mil)
    Quarterly Pretax return on assets: 1.16% ($777.4 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
  • 21Total employees (full-time equivalent)
  • $67,018Total assets
  • $12,043Cash and due from depository institutions
  • $11,167Interest-bearing balances
  • $9,147Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,483Net loans & leases
  • $739Loan loss allowance
  • $0Trading account assets
  • $1,610Bank premises and fixed assets
  • $455Other real estate owned
  • $0Goodwill and other intangibles
  • $67,018Life insurance assets
  • $1,280All other assets
  • $59,985Total liabilities and capital
  • $59,298Total liabilities
  • $53,182Total deposits
  • $59,298Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $687Subordinated debt
  • $7,033All other liabilities
  • $7,033Total equity capital
  • $7,033Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,300Surplus
  • $3,633Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $688Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $649Income earned, not collected on loans
  • $0Earning assets
  • $351Long-term assets (5+ years)
  • $62,797Average Assets, year-to-date
  • $11,443Average Assets, quarterly
  • $66,148Volatile liabilities
  • $66,389Insider loans
  • $46,784FHLB advances
  • $66,553Loans and leases held for sale
  • $389Unused loan commitments
  • $389Tier 1 (core) risk-based capital
  • $6,951Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,499Restructured Loans and leases
  • $253Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,499Total interest income
  • $972Total interest expense
  • $2,527Net interest income
  • $200Provision for loan and lease losses
  • $434Total noninterest income
  • $0Fiduciary activities
  • $98Service charges on deposit accounts
  • $0Trading account gains & fees
  • $336Additional noninterest income
  • $2,090Total noninterest expense
  • $1,092Salaries and employee benefits
  • $319Premises and equipment expense
  • $679Additional noninterest expense
  • $671Pre-tax net operating income
  • $0Securities gains (losses)
  • $176Applicable income taxes
  • $495Income before extraordinary items
  • $0Extraordinary gains - net
  • $495Net income attributable to bank
  • $0Net charge-offs
  • $495Cash dividends
  • $84Sale, conversion, retirement of capital stock, net
  • $245Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.66%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.06%Return on equity (ROE)
  • 3.57%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 238.10%Credit loss provision to net charge-offs
  • 10.37%Efficiency ratio
  • 70,584Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.49%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 113.87%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 1.50%Net loans and leases to deposits
  • 71.64%Net loans and leases to core deposits
  • 75.49%Equity capital to assets
  • 10.49%Core capital (leverage) ratio
  • 10.44%Tier 1 risk-based capital ratio
  • 14.86%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $66,148Average earning assets
  • $7,007Average equity
  • $61,782Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08236Pigeon Falls State Bank40214 S Ekern Avenue, Pigeon Falls, WI 54760April 06, 1920Full Service Brick and Mortar
    1359023Bank Of Augusta1214 W. Lincoln St., Augusta, WI 54722August 07, 2000Full Service Brick and Mortar
    2467315Bank Of Whitehall , Branch Of Pigeon Falls State Bank Branch36328 Main Street, Whitehall, WI 54773August 02, 2006Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Pigeon Falls State Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents