FDIC Certificate #: 1135 Status: Active Federal Reserve ID: 210555 Bank Holding Company (Regulatory Top Holder): Bloomer Bancshares, Inc. (RSSDID: 2598976, Location: Bloomer, WI) Date Established: January 02, 1912 WWW:http://www.psbbloomer.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 774 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: No 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: 1401 Main Street, Bloomer, WI 54724 County: Chippewa 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 Metropolitan Statistical Area (MSA): Eau Claire, WI (#2290) Combined Statistical Area (CSA): Eau Claire-Menomonie, WI (#232) Core Based Statistical Area (CBSA): Eau Claire, WI (#20740) CBSA Metro Statistical Area: Eau Claire, WI (#20740)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $114.8 mil Equity capital: $13.8 mil Deposits held in domestic offices: $99.3 mil Return on assets (ROA): 1.10% ($1.3 mil) Quarterly return on assets: 0.81% ($0.9 mil) Return on Equity (ROE): 8.99% ($1.3 mil) Quarterly return on equity: 6.54% ($0.9 mil) Net income: $1.2 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.54% ($1,767.6 mil) Quarterly Pretax return on assets: 1.05% ($1,205.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
25Total employees (full-time equivalent)
$114,780Total assets
$2,779Cash and due from depository institutions
$0Interest-bearing balances
$51,925Securities
$0Federal funds sold & reverse repurchase agreements
$54,655Net loans & leases
$1,226Loan loss allowance
$0Trading account assets
$1,340Bank premises and fixed assets
$291Other real estate owned
$0Goodwill and other intangibles
$114,780Life insurance assets
$3,790All other assets
$100,980Total liabilities and capital
$99,328Total liabilities
$87,074Total deposits
$99,328Interest-bearing deposits
$91Deposits held in domestic offices
55.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,597Subordinated debt
$13,800All other liabilities
$13,800Total equity capital
$13,800Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$1,940Surplus
$11,260Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,108Income earned, not collected on loans
$0Earning assets
$575Long-term assets (5+ years)
$106,580Average Assets, year-to-date
$31,500Average Assets, quarterly
$110,942Volatile liabilities
$113,197Insider loans
$62,188FHLB advances
$112,776Loans and leases held for sale
$2,447Unused loan commitments
$2,447Tier 1 (core) risk-based capital
$12,928Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,980Restructured Loans and leases
$1,638Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,035Total interest income
$802Total interest expense
$4,233Net interest income
$0Provision for loan and lease losses
$177Total noninterest income
$0Fiduciary activities
$138Service charges on deposit accounts
$0Trading account gains & fees
$39Additional noninterest income
$2,866Total noninterest expense
$1,621Salaries and employee benefits
$445Premises and equipment expense
$800Additional noninterest expense
$1,544Pre-tax net operating income
$160Securities gains (losses)
$486Applicable income taxes
$1,218Income before extraordinary items
$0Extraordinary gains - net
$1,218Net income attributable to bank
$0Net charge-offs
$1,218Cash dividends
$324Sale, conversion, retirement of capital stock, net
$1,201Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
0.77%Cost of funding earning assets
4.05%Net interest margin
0.17%Noninterest income to earning assets
2.75%Noninterest expense to earning assets
1.00%Net operating income to assets
1.10%Return on assets (ROA)
1.54%Pretax return on assets
8.99%Return on equity (ROE)
0.13%Retained earnings to average equity (YTD only)
0.55%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
4.77%Efficiency ratio
64,989Assets per employee
4.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
98.60%Loss allowance to loans
2.19%Loss allowance to noncurrent loans
110.65%Noncurrent assets plus other real estate owned to assets
1.22%Noncurrent loans to loans
1.98%Net loans and leases to deposits
55.02%Net loans and leases to core deposits
59.06%Equity capital to assets
12.02%Core capital (leverage) ratio
11.46%Tier 1 risk-based capital ratio
20.79%Total risk-based capital ratio
Memoranda
$22Average assets
$110,942Average earning assets
$13,549Average equity
$104,406Average loans
List of branches
1 Wisconsin Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
774
Peoples State Bank Of Bloomer
1401 Main Street, Bloomer, WI 54724
January 02, 1912
Full Service Brick and Mortar
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