Premier Community Bank in Marion, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Premier Community Bank in Marion, Wisconsin (WI)
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Premier Community Bank - Overview

  • General
  • FDIC Certificate #: 15799
    Status: Active
    Federal Reserve ID: 597546
    Bank Holding Company (Regulatory Top Holder): M.S.b. Bancorporation, Inc. (RSSDID: 1210749, Location: Marion, WI)
    Date Established: Febuary 24, 1941
    WWW: http://www.premiercommunity.com
    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 #: 11899
    FDIC's unique #: 10044
    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: Febuary 24, 1941
    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: 230 Mavis Road, Marion, WI 54950
    County: Waupaca
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $195.6 mil
    Equity capital: $22.3 mil
    Deposits held in domestic offices: $159.8 mil
    Return on assets (ROA): 0.71% ($1.4 mil)
    Quarterly return on assets: 0.88% ($1.7 mil)
    Return on Equity (ROE): 6.55% ($1.4 mil)
    Quarterly return on equity: 7.83% ($1.7 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.92% ($1,799.6 mil)
    Quarterly Pretax return on assets: 1.20% ($2,347.2 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
  • 63Total employees (full-time equivalent)
  • $195,604Total assets
  • $15,759Cash and due from depository institutions
  • $11,311Interest-bearing balances
  • $28,621Securities
  • $3,288Federal funds sold & reverse repurchase agreements
  • $134,258Net loans & leases
  • $2,618Loan loss allowance
  • $0Trading account assets
  • $4,815Bank premises and fixed assets
  • $313Other real estate owned
  • $0Goodwill and other intangibles
  • $195,604Life insurance assets
  • $8,550All other assets
  • $173,300Total liabilities and capital
  • $159,758Total liabilities
  • $138,852Total deposits
  • $159,758Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 489.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $3,053Subordinated debt
  • $22,304All other liabilities
  • $22,304Total equity capital
  • $22,304Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,800Surplus
  • $18,304Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,786Income earned, not collected on loans
  • $0Earning assets
  • $636Long-term assets (5+ years)
  • $177,478Average Assets, year-to-date
  • $40,747Average Assets, quarterly
  • $198,001Volatile liabilities
  • $197,743Insider loans
  • $148,676FHLB advances
  • $193,528Loans and leases held for sale
  • $4,920Unused loan commitments
  • $4,920Tier 1 (core) risk-based capital
  • $21,829Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,513Restructured Loans and leases
  • $1,781Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,441Total interest income
  • $2,133Total interest expense
  • $7,308Net interest income
  • $625Provision for loan and lease losses
  • $1,700Total noninterest income
  • $0Fiduciary activities
  • $350Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,350Additional noninterest income
  • $6,595Total noninterest expense
  • $3,388Salaries and employee benefits
  • $912Premises and equipment expense
  • $2,295Additional noninterest expense
  • $1,788Pre-tax net operating income
  • $30Securities gains (losses)
  • $407Applicable income taxes
  • $1,411Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,411Net income attributable to bank
  • $0Net charge-offs
  • $1,411Cash dividends
  • $403Sale, conversion, retirement of capital stock, net
  • $606Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.29%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 4.10%Net interest margin
  • 0.95%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 6.55%Return on equity (ROE)
  • 3.74%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 155.09%Credit loss provision to net charge-offs
  • 5.99%Efficiency ratio
  • 73,213Assets per employee
  • 3.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.95%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 93.97%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 2.04%Net loans and leases to deposits
  • 84.04%Net loans and leases to core deposits
  • 90.41%Equity capital to assets
  • 11.40%Core capital (leverage) ratio
  • 11.28%Tier 1 risk-based capital ratio
  • 14.68%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $198,001Average earning assets
  • $21,542Average equity
  • $178,339Average loans

List of branches

  • 8 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010044Premier Community Bank230 Mavis Road, Marion, WI 54950Febuary 24, 1941Full Service Brick and Mortar
    1235299Bear Creek BranchRailway Avenue, Bear Creek, WI 54922December 03, 1945Full Service Brick and Mortar
    2235300Scandinavia BranchScandinavia Stn, Scandinavia, WI 54977June 08, 1942Full Service Brick and Mortar
    3235301Iola Branch505 East State Street, Iola, WI 54945November 04, 1991Full Service Brick and Mortar
    5235303Tigerton Branch112 Us Highway 45, Tigerton, WI 54486November 02, 1998Full Service Brick and Mortar
    6235304Bonduel Branch102 Express Way, Bonduel, WI 54107December 30, 1998Full Service Brick and Mortar
    8361952Pulaski Branch745 Highway 32, Pulaski, WI 54162September 17, 2001Full Service Brick and Mortar
    9455687Shawano BranchN4805 Highway 22, Shawano, WI 54166October 16, 2006Full Service Brick and Mortar

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