Peoples Bank of Wisconsin in Hayward, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples Bank of Wisconsin in Hayward, Wisconsin (WI)
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Peoples Bank of Wisconsin routing number info

Peoples Bank of Wisconsin - Overview

  • General
  • FDIC Certificate #: 5347
    Status: Active
    Federal Reserve ID: 456157
    Bank Holding Company (Regulatory Top Holder): Hayward Bancshares, Inc. (RSSDID: 1863659, Location: Eau Claire, WI)
    Date Established: March 02, 1925
    WWW: http://www.peoplesbankofwi.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10918
    FDIC's unique #: 3608
    Numeric code: 13
    Regulator: FED
    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: Commercial Lending 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: 10583 Main, Hayward, WI 54843
    County: Sawyer
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $273.0 mil
    Equity capital: $41.9 mil
    Deposits held in domestic offices: $213.8 mil
    Return on assets (ROA): 1.37% ($3.7 mil)
    Quarterly return on assets: 0.30% ($0.8 mil)
    Return on Equity (ROE): 9.18% ($3.9 mil)
    Quarterly return on equity: 1.92% ($0.8 mil)
    Net income: $3.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.37% ($3,739.6 mil)
    Quarterly Pretax return on assets: 0.30% ($818.9 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
  • 48Total employees (full-time equivalent)
  • $272,961Total assets
  • $20,615Cash and due from depository institutions
  • $16,624Interest-bearing balances
  • $50,215Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $185,057Net loans & leases
  • $3,688Loan loss allowance
  • $0Trading account assets
  • $1,184Bank premises and fixed assets
  • $4,091Other real estate owned
  • $0Goodwill and other intangibles
  • $272,961Life insurance assets
  • $11,799All other assets
  • $231,016Total liabilities and capital
  • $213,811Total liabilities
  • $183,058Total deposits
  • $213,811Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 2161.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,000Trading liabilities
  • $0Other borrowed funds
  • $1,044Subordinated debt
  • $41,945All other liabilities
  • $41,945Total equity capital
  • $41,945Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $820Surplus
  • $40,625Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $418Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,438Income earned, not collected on loans
  • $0Earning assets
  • $1,086Long-term assets (5+ years)
  • $251,896Average Assets, year-to-date
  • $65,234Average Assets, quarterly
  • $279,674Volatile liabilities
  • $273,254Insider loans
  • $210,483FHLB advances
  • $269,894Loans and leases held for sale
  • $7,391Unused loan commitments
  • $7,391Tier 1 (core) risk-based capital
  • $39,499Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,535Restructured Loans and leases
  • $5,794Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,689Total interest income
  • $3,138Total interest expense
  • $10,551Net interest income
  • $2,700Provision for loan and lease losses
  • $1,490Total noninterest income
  • $0Fiduciary activities
  • $285Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,205Additional noninterest income
  • $5,509Total noninterest expense
  • $3,237Salaries and employee benefits
  • $304Premises and equipment expense
  • $1,968Additional noninterest expense
  • $3,832Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,832Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,832Net income attributable to bank
  • $0Net charge-offs
  • $3,832Cash dividends
  • $3,355Sale, conversion, retirement of capital stock, net
  • $4,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.30%Yield on earning assets
  • 1.21%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.13%Noninterest expense to earning assets
  • 1.37%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 9.18%Return on equity (ROE)
  • -0.52%Retained earnings to average equity (YTD only)
  • 1.65%Net charge-offs to loans
  • 80.48%Credit loss provision to net charge-offs
  • 1.95%Efficiency ratio
  • 45,752Assets per employee
  • 5.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 105.69%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 20.00%Noncurrent assets plus other real estate owned to assets
  • 8.25%Noncurrent loans to loans
  • 9.77%Net loans and leases to deposits
  • 86.55%Net loans and leases to core deposits
  • 115.19%Equity capital to assets
  • 15.37%Core capital (leverage) ratio
  • 14.64%Tier 1 risk-based capital ratio
  • 18.77%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $279,674Average earning assets
  • $41,762Average equity
  • $258,327Average loans

List of branches

  • 2 Wisconsin Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    03608Peoples Bank Of Wisconsin10583 Main, Hayward, WI 54843March 02, 1925Full Service Brick and Mortar
    1207609Eau Claire Branch2720 Golf Road, Eau Claire, WI 54701August 15, 1995Full Service Brick and Mortar

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