The Peshtigo National Bank in Peshtigo, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Peshtigo National Bank - Overview

  • General
  • FDIC Certificate #: 5317
    Status: Active
    Federal Reserve ID: 257345
    Bank Holding Company (Regulatory Top Holder): Peshtigo National Bancorporation, Inc. (RSSDID: 1210310, Location: Peshtigo, WI)
    Date Established: Febuary 04, 1901
    WWW: http://www.pnbwi.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 3582
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    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: 250 French Street, Peshtigo, WI 54157
    County: Marinette
    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
    Core Based Statistical Area (CBSA): Marinette, WI-MI (#31940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $168.0 mil
    Equity capital: $17.0 mil
    Deposits held in domestic offices: $150.4 mil
    Return on assets (ROA): 1.44% ($2.4 mil)
    Quarterly return on assets: 1.70% ($2.9 mil)
    Return on Equity (ROE): 14.72% ($2.5 mil)
    Quarterly return on equity: 16.76% ($2.8 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.44% ($2,418.7 mil)
    Quarterly Pretax return on assets: 1.71% ($2,872.2 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
  • 43Total employees (full-time equivalent)
  • $167,967Total assets
  • $27,202Cash and due from depository institutions
  • $0Interest-bearing balances
  • $20,100Securities
  • $5,000Federal funds sold & reverse repurchase agreements
  • $109,731Net loans & leases
  • $1,725Loan loss allowance
  • $0Trading account assets
  • $4,621Bank premises and fixed assets
  • $70Other real estate owned
  • $0Goodwill and other intangibles
  • $167,967Life insurance assets
  • $1,243All other assets
  • $150,985Total liabilities and capital
  • $150,365Total liabilities
  • $113,792Total deposits
  • $150,365Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $620Subordinated debt
  • $16,982All other liabilities
  • $16,982Total equity capital
  • $16,982Total bank equity capital
  • $0Perpetual preferred stock
  • $327Common stock
  • $1,604Surplus
  • $15,051Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,525Income earned, not collected on loans
  • $0Earning assets
  • $529Long-term assets (5+ years)
  • $134,831Average Assets, year-to-date
  • $25,056Average Assets, quarterly
  • $159,834Volatile liabilities
  • $164,104Insider loans
  • $105,413FHLB advances
  • $162,682Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,240Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,717Restructured Loans and leases
  • $253Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,475Total interest income
  • $1,445Total interest expense
  • $6,030Net interest income
  • $308Provision for loan and lease losses
  • $617Total noninterest income
  • $0Fiduciary activities
  • $314Service charges on deposit accounts
  • $0Trading account gains & fees
  • $303Additional noninterest income
  • $4,037Total noninterest expense
  • $2,241Salaries and employee benefits
  • $603Premises and equipment expense
  • $1,193Additional noninterest expense
  • $2,302Pre-tax net operating income
  • $0Securities gains (losses)
  • $5Applicable income taxes
  • $2,297Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,297Net income attributable to bank
  • $0Net charge-offs
  • $2,297Cash dividends
  • $65Sale, conversion, retirement of capital stock, net
  • $148Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.46%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 14.72%Return on equity (ROE)
  • 13.77%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 473.85%Credit loss provision to net charge-offs
  • 40.15%Efficiency ratio
  • 60,734Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 6.44%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 113.11%Noncurrent assets plus other real estate owned to assets
  • 1.10%Noncurrent loans to loans
  • 1.37%Net loans and leases to deposits
  • 72.98%Net loans and leases to core deposits
  • 76.86%Equity capital to assets
  • 10.11%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 15.41%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $159,834Average earning assets
  • $15,608Average equity
  • $136,863Average loans

List of branches

  • 5 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03582The Peshtigo National Bank250 French Street, Peshtigo, WI 54157Febuary 04, 1901Full Service Brick and Mortar
    1442016Coleman Office117 Us - Hwy 141 S., Coleman, WI 54112June 24, 2004Full Service Brick and Mortar
    2442017Marinette Office2890 Roosevelt Road, Marinette, WI 54143June 14, 2004Full Service Brick and Mortar
    5443347Gillett Office149 N. Mckenzie Street, Gillett, WI 54124June 20, 2005Full Service Brick and Mortar
    6474350Oconto Falls Office508 North Chestnut Avenue, Oconto Falls, WI 54154May 05, 2008Full Service Brick and Mortar

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