Pioneer Bank in Auburndale, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pioneer Bank in Auburndale, Wisconsin (WI)
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Pioneer Bank - Overview

  • General
  • FDIC Certificate #: 10734
    Status: Active
    Federal Reserve ID: 508841
    Bank Holding Company (Regulatory Top Holder): Pb Holdings Of Marshfield, Llc (RSSDID: 2523231, Location: Wausau, WI)
    Date Established: January 04, 1910
    WWW: http://www.pioneerbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 9, Interstate: No)
    OTS Docket #: 13293
    FDIC's unique #: 6885
    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: 5758 Main Street, Auburndale, WI 54412
    County: Wood
    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
    Core Based Statistical Area (CBSA): Marshfield-Wisconsin Rapids, WI (#32270)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $113.6 mil
    Equity capital: $13.9 mil
    Deposits held in domestic offices: $99.0 mil
    Return on assets (ROA): 0.44% ($0.5 mil)
    Quarterly return on assets: 0.45% ($0.5 mil)
    Return on Equity (ROE): 3.56% ($0.5 mil)
    Quarterly return on equity: 3.61% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.66% ($749.6 mil)
    Quarterly Pretax return on assets: 0.68% ($772.3 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
  • 53Total employees (full-time equivalent)
  • $113,577Total assets
  • $10,757Cash and due from depository institutions
  • $6,987Interest-bearing balances
  • $24,551Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,816Net loans & leases
  • $552Loan loss allowance
  • $0Trading account assets
  • $2,096Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $113,577Life insurance assets
  • $1,357All other assets
  • $99,684Total liabilities and capital
  • $99,033Total liabilities
  • $77,867Total deposits
  • $99,033Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $651Subordinated debt
  • $13,893All other liabilities
  • $13,893Total equity capital
  • $13,893Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $2,250Surplus
  • $11,393Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $528Income earned, not collected on loans
  • $106Earning assets
  • $323Long-term assets (5+ years)
  • $106,354Average Assets, year-to-date
  • $5,660Average Assets, quarterly
  • $108,818Volatile liabilities
  • $110,924Insider loans
  • $80,445FHLB advances
  • $108,898Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,441Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,712Restructured Loans and leases
  • $169Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,869Total interest income
  • $655Total interest expense
  • $4,214Net interest income
  • $13Provision for loan and lease losses
  • $510Total noninterest income
  • $0Fiduciary activities
  • $307Service charges on deposit accounts
  • $0Trading account gains & fees
  • $203Additional noninterest income
  • $3,991Total noninterest expense
  • $2,322Salaries and employee benefits
  • $709Premises and equipment expense
  • $960Additional noninterest expense
  • $720Pre-tax net operating income
  • $0Securities gains (losses)
  • $236Applicable income taxes
  • $484Income before extraordinary items
  • $0Extraordinary gains - net
  • $484Net income attributable to bank
  • $0Net charge-offs
  • $484Cash dividends
  • $183Sale, conversion, retirement of capital stock, net
  • $50Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.74%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 3.56%Return on equity (ROE)
  • 3.19%Retained earnings to average equity (YTD only)
  • 0.24%Net charge-offs to loans
  • 7.10%Credit loss provision to net charge-offs
  • 4.01%Efficiency ratio
  • 84,483Assets per employee
  • 2.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 10.33%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 104.55%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 75.55%Net loans and leases to core deposits
  • 75.77%Equity capital to assets
  • 12.23%Core capital (leverage) ratio
  • 12.34%Tier 1 risk-based capital ratio
  • 16.71%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $108,818Average earning assets
  • $13,599Average equity
  • $102,750Average loans

List of branches

  • 10 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06885Pioneer Bank5758 Main Street, Auburndale, WI 54412January 04, 1910Full Service Brick and Mortar
    1222954Milladore Branch120 Main Street, Milladore, WI 54454August 14, 1968Full Service Brick and Mortar
    2222955Hewitt Branch11064 Main Street, Hewitt, WI 54441December 16, 1968Full Service Brick and Mortar
    3222956Rozellville BranchD3291 County Road M, Stratford, WI 54484September 05, 1978Full Service Brick and Mortar
    4222957Marshfield Branch1700 North Central Avenue, Marshfield, WI 54449March 16, 1992Full Service Brick and Mortar
    6222959Wisconsin Rapids Branch1710 W Grand Avenue, Wisconsin Rapids, WI 54494June 15, 1997Full Service Brick and Mortar
    7222960Stevens Point Branch31 Park Ridge Drive, Stevens Point, WI 54481November 10, 1997Full Service Brick and Mortar
    8437930Marshfield South Office725 South Central Avenue, Marshfield, WI 54449December 09, 2004Full Service Brick and Mortar
    9493875Withee BranchN14570 County Rd O, Withee, WI 54498August 03, 2009Full Service Brick and Mortar
    10528465Greenwood Branch106 South Main Street, Greenwood, WI 54437Febuary 13, 2012Full Service Brick and Mortar

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