The Peoples Community Bank in Mazomanie, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples Community Bank - Overview

  • General
  • FDIC Certificate #: 15046
    Status: Active
    Federal Reserve ID: 420644
    Bank Holding Company (Regulatory Top Holder): Peoples Community Bancshares, Inc., The (RSSDID: 2516998, Location: Mazomanie, WI)
    Date Established: November 28, 1891
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 9680
    FDIC's unique #: 9435
    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: March 08, 1935
    Last Structure Change Effective Date: July 28, 2008
    Last Structure Change Process Date: September 03, 2008
    Last Data Update: September 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 222 West Commercial Street, Mazomanie, WI 53560
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • Financial Summary
  • Total assets: $242.3 mil
    Equity capital: $27.8 mil
    Deposits held in domestic offices: $182.8 mil
    Return on assets (ROA): 0.62% ($1.5 mil)
    Quarterly return on assets: 0.42% ($1.0 mil)
    Return on Equity (ROE): 5.26% ($1.5 mil)
    Quarterly return on equity: 3.54% ($1.0 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.02% ($2,471.5 mil)
    Quarterly Pretax return on assets: 0.85% ($2,059.6 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
  • 49Total employees (full-time equivalent)
  • $242,307Total assets
  • $7,228Cash and due from depository institutions
  • $398Interest-bearing balances
  • $21,922Securities
  • $11,498Federal funds sold & reverse repurchase agreements
  • $187,920Net loans & leases
  • $4,105Loan loss allowance
  • $0Trading account assets
  • $3,768Bank premises and fixed assets
  • $2,131Other real estate owned
  • $3,023Goodwill and other intangibles
  • $242,307Life insurance assets
  • $4,817All other assets
  • $214,470Total liabilities and capital
  • $182,799Total liabilities
  • $152,502Total deposits
  • $182,799Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 15555.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,531Trading liabilities
  • $0Other borrowed funds
  • $585Subordinated debt
  • $27,837All other liabilities
  • $27,837Total equity capital
  • $27,837Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $13,768Surplus
  • $13,969Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,193Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,508Income earned, not collected on loans
  • $0Earning assets
  • $1,058Long-term assets (5+ years)
  • $221,738Average Assets, year-to-date
  • $8,228Average Assets, quarterly
  • $236,664Volatile liabilities
  • $237,130Insider loans
  • $206,165FHLB advances
  • $233,247Loans and leases held for sale
  • $17Unused loan commitments
  • $17Tier 1 (core) risk-based capital
  • $24,814Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,207Restructured Loans and leases
  • $3,608Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,401Total interest income
  • $1,954Total interest expense
  • $9,447Net interest income
  • $2,455Provision for loan and lease losses
  • $1,942Total noninterest income
  • $0Fiduciary activities
  • $408Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,534Additional noninterest income
  • $6,525Total noninterest expense
  • $3,285Salaries and employee benefits
  • $959Premises and equipment expense
  • $2,281Additional noninterest expense
  • $2,409Pre-tax net operating income
  • $0Securities gains (losses)
  • $952Applicable income taxes
  • $1,457Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,457Net income attributable to bank
  • $0Net charge-offs
  • $1,457Cash dividends
  • $1,136Sale, conversion, retirement of capital stock, net
  • $830Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.22%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.33%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 5.26%Return on equity (ROE)
  • 2.26%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 216.11%Credit loss provision to net charge-offs
  • 4.28%Efficiency ratio
  • 55,668Assets per employee
  • 4.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.97%Loss allowance to loans
  • 2.14%Loss allowance to noncurrent loans
  • 272.21%Noncurrent assets plus other real estate owned to assets
  • 1.71%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 102.80%Net loans and leases to core deposits
  • 116.07%Equity capital to assets
  • 11.49%Core capital (leverage) ratio
  • 10.64%Tier 1 risk-based capital ratio
  • 12.04%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $236,664Average earning assets
  • $27,695Average equity
  • $218,328Average loans

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09435The Peoples Community Bank222 West Commercial Street, Mazomanie, WI 53560November 28, 1891Full Service Brick and Mortar
    1233138Arena Branch614 Highway 14, Arena, WI 53503November 09, 1938Full Service Brick and Mortar
    656831Spring Green Branch166 South Lexington Street, Spring Green, WI 53588May 13, 1996Full Service Brick and Mortar
    7290427Plain Branch1065 Main Street, Plain, WI 53577May 13, 1996Full Service Brick and Mortar
    8489591Barneveld BranchErnie Drive, Barneveld, WI 53507March 02, 2009Full Service Brick and Mortar

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