The Pineries Bank in Stevens Point, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • The Pineries Bank in Stevens Point, Wisconsin (WI)
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The Pineries Bank routing number info

The Pineries Bank - Overview

  • General
  • FDIC Certificate #: 9526
    Status: Active
    Federal Reserve ID: 674344
    Bank Holding Company (Regulatory Top Holder): Pineries Bankshares, Inc. (RSSDID: 2514921, Location: Stevens Point, WI)
    Date Established: June 01, 1906
    WWW: http://www.pineries.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 14789
    FDIC's unique #: 6122
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    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: 3601 Main Street, Stevens Point, WI 54481
    County: Portage
    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): Stevens Point, WI (#44620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $62.9 mil
    Equity capital: $6.1 mil
    Deposits held in domestic offices: $56.2 mil
    Return on assets (ROA): 1.68% ($1.1 mil)
    Quarterly return on assets: 1.56% ($1.0 mil)
    Return on Equity (ROE): 17.09% ($1.0 mil)
    Quarterly return on equity: 15.89% ($1.0 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.68% ($1,056.2 mil)
    Quarterly Pretax return on assets: 1.56% ($980.7 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
  • 13Total employees (full-time equivalent)
  • $62,868Total assets
  • $13,240Cash and due from depository institutions
  • $11,498Interest-bearing balances
  • $3,454Securities
  • $1,775Federal funds sold & reverse repurchase agreements
  • $41,308Net loans & leases
  • $652Loan loss allowance
  • $0Trading account assets
  • $730Bank premises and fixed assets
  • $380Other real estate owned
  • $365Goodwill and other intangibles
  • $62,868Life insurance assets
  • $1,616All other assets
  • $56,729Total liabilities and capital
  • $56,160Total liabilities
  • $48,724Total deposits
  • $56,160Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $569Subordinated debt
  • $6,139All other liabilities
  • $6,139Total equity capital
  • $6,139Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $1,740Surplus
  • $4,349Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $140Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $652Income earned, not collected on loans
  • $0Earning assets
  • $163Long-term assets (5+ years)
  • $58,035Average Assets, year-to-date
  • $5,621Average Assets, quarterly
  • $60,666Volatile liabilities
  • $62,439Insider loans
  • $36,391FHLB advances
  • $62,282Loans and leases held for sale
  • $758Unused loan commitments
  • $758Tier 1 (core) risk-based capital
  • $5,774Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,698Restructured Loans and leases
  • $1,407Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,728Total interest income
  • $419Total interest expense
  • $2,309Net interest income
  • $72Provision for loan and lease losses
  • $274Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $212Additional noninterest income
  • $1,493Total noninterest expense
  • $797Salaries and employee benefits
  • $151Premises and equipment expense
  • $545Additional noninterest expense
  • $1,018Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,018Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,018Net income attributable to bank
  • $0Net charge-offs
  • $1,018Cash dividends
  • $24Sale, conversion, retirement of capital stock, net
  • $558Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.82%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 1.68%Net operating income to assets
  • 1.68%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 17.09%Return on equity (ROE)
  • 7.72%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 300.00%Credit loss provision to net charge-offs
  • 45.42%Efficiency ratio
  • 57,801Assets per employee
  • 4.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.81%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 100.00%Noncurrent assets plus other real estate owned to assets
  • 1.64%Noncurrent loans to loans
  • 1.55%Net loans and leases to deposits
  • 73.55%Net loans and leases to core deposits
  • 78.29%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 9.27%Tier 1 risk-based capital ratio
  • 15.87%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $60,666Average earning assets
  • $5,955Average equity
  • $56,546Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06122The Pineries Bank3601 Main Street, Stevens Point, WI 54481June 01, 1906Full Service Brick and Mortar
    2220315Mattoon Branch1004 Fourth Street, Mattoon, WI 54450November 10, 1997Full Service Brick and Mortar

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