Pigeon Falls State Bank in Pigeon Falls, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Pigeon Falls State Bank in Pigeon Falls, Wisconsin (WI)
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Pigeon Falls State Bank - Overview

  • General
  • FDIC Certificate #: 13030
    Status: Active
    Federal Reserve ID: 37051
    Bank Holding Company (Regulatory Top Holder): Pfsb Bancorporation, Inc. (RSSDID: 2765282, Location: Pigeon Falls, WI)
    Date Established: April 06, 1920
    WWW: http://www.pfsbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 8236
    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: 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: 40214 S Ekern Avenue, Pigeon Falls, WI 54760
    County: Trempealeau
    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: $67.0 mil
    Equity capital: $7.0 mil
    Deposits held in domestic offices: $59.3 mil
    Return on assets (ROA): 0.75% ($0.5 mil)
    Quarterly return on assets: 0.77% ($0.5 mil)
    Return on Equity (ROE): 7.06% ($0.5 mil)
    Quarterly return on equity: 7.20% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.01% ($676.9 mil)
    Quarterly Pretax return on assets: 1.16% ($777.4 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
  • 21Total employees (full-time equivalent)
  • $67,018Total assets
  • $12,043Cash and due from depository institutions
  • $11,167Interest-bearing balances
  • $9,147Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $42,483Net loans & leases
  • $739Loan loss allowance
  • $0Trading account assets
  • $1,610Bank premises and fixed assets
  • $455Other real estate owned
  • $0Goodwill and other intangibles
  • $67,018Life insurance assets
  • $1,280All other assets
  • $59,985Total liabilities and capital
  • $59,298Total liabilities
  • $53,182Total deposits
  • $59,298Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $687Subordinated debt
  • $7,033All other liabilities
  • $7,033Total equity capital
  • $7,033Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $3,300Surplus
  • $3,633Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $688Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $649Income earned, not collected on loans
  • $0Earning assets
  • $351Long-term assets (5+ years)
  • $62,797Average Assets, year-to-date
  • $11,443Average Assets, quarterly
  • $66,148Volatile liabilities
  • $66,389Insider loans
  • $46,784FHLB advances
  • $66,553Loans and leases held for sale
  • $389Unused loan commitments
  • $389Tier 1 (core) risk-based capital
  • $6,951Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,499Restructured Loans and leases
  • $253Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,499Total interest income
  • $972Total interest expense
  • $2,527Net interest income
  • $200Provision for loan and lease losses
  • $434Total noninterest income
  • $0Fiduciary activities
  • $98Service charges on deposit accounts
  • $0Trading account gains & fees
  • $336Additional noninterest income
  • $2,090Total noninterest expense
  • $1,092Salaries and employee benefits
  • $319Premises and equipment expense
  • $679Additional noninterest expense
  • $671Pre-tax net operating income
  • $0Securities gains (losses)
  • $176Applicable income taxes
  • $495Income before extraordinary items
  • $0Extraordinary gains - net
  • $495Net income attributable to bank
  • $0Net charge-offs
  • $495Cash dividends
  • $84Sale, conversion, retirement of capital stock, net
  • $245Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.66%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 0.75%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 7.06%Return on equity (ROE)
  • 3.57%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 238.10%Credit loss provision to net charge-offs
  • 10.37%Efficiency ratio
  • 70,584Assets per employee
  • 3.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.49%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 113.87%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 1.50%Net loans and leases to deposits
  • 71.64%Net loans and leases to core deposits
  • 75.49%Equity capital to assets
  • 10.49%Core capital (leverage) ratio
  • 10.44%Tier 1 risk-based capital ratio
  • 14.86%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $66,148Average earning assets
  • $7,007Average equity
  • $61,782Average loans

List of branches

  • 3 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08236Pigeon Falls State Bank40214 S Ekern Avenue, Pigeon Falls, WI 54760April 06, 1920Full Service Brick and Mortar
    1359023Bank Of Augusta1214 W. Lincoln St., Augusta, WI 54722August 07, 2000Full Service Brick and Mortar
    2467315Bank Of Whitehall , Branch Of Pigeon Falls State Bank Branch36328 Main Street, Whitehall, WI 54773August 02, 2006Full Service Brick and Mortar
1
Apr 14, 2023 @ 4:16 pm
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