FDIC Certificate #: 12790 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Peoples State Bank (#12814) Federal Reserve ID: 454742 Date Established: Febuary 01, 1883 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 8103 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: December 28, 2010 Last Structure Change Process Date: January 20, 2011 Last Data Update: January 20, 2011 Data Source Date: April 05, 2012
Location
Address: 445 Canal Street, Bloomington, WI 53804 County: Grant Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Madison Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Core Based Statistical Area (CBSA): Platteville, WI (#38420) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $28.5 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
4Total employees (full-time equivalent)
$28,820Total assets
$1,033Cash and due from depository institutions
$0Interest-bearing balances
$4,066Securities
$8,827Federal funds sold & reverse repurchase agreements
$14,599Net loans & leases
$304Loan loss allowance
$0Trading account assets
$7Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$288All other assets
$28,820Total liabilities and capital
$25,243Total liabilities
$25,159Total deposits
$18,787Interest-bearing deposits
$25,159Deposits held in domestic offices
91.06%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$84All other liabilities
$3,577Total equity capital
$3,577Total bank equity capital
$3,577Perpetual preferred stock
$0Common stock
$50Surplus
$1,500Undivided profits
Memoranda
$2,027Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$30Earning assets
$0Long-term assets (5+ years)
$193Average Assets, year-to-date
$27,492Average Assets, quarterly
$138Volatile liabilities
$27,159Insider loans
$27,978FHLB advances
$2,165Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$208Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$1,082Total interest income
$410Total interest expense
$672Net interest income
$0Provision for loan and lease losses
$40Total noninterest income
$0Fiduciary activities
$35Service charges on deposit accounts
$0Trading account gains & fees
$5Additional noninterest income
$447Total noninterest expense
$277Salaries and employee benefits
$8Premises and equipment expense
$162Additional noninterest expense
$265Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$265Income before extraordinary items
$0Extraordinary gains - net
$265Net income attributable to bank
$0Net charge-offs
$265Cash dividends
$0Sale, conversion, retirement of capital stock, net
$101Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.35%Yield on earning assets
1.65%Cost of funding earning assets
2.70%Net interest margin
0.16%Noninterest income to earning assets
1.80%Noninterest expense to earning assets
0.98%Net operating income to assets
0.98%Return on assets (ROA)
0.98%Pretax return on assets
7.56%Return on equity (ROE)
4.68%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
62,781Assets per employee
7.21%Cash dividends to net income (YTD only)
Condition Ratios (%)
38.11%Loss allowance to loans
2.04%Loss allowance to noncurrent loans
1013.33%Noncurrent assets plus other real estate owned to assets
0.10%Noncurrent loans to loans
0.20%Net loans and leases to deposits
58.03%Net loans and leases to core deposits
63.49%Equity capital to assets
12.41%Core capital (leverage) ratio
12.64%Tier 1 risk-based capital ratio
21.66%Total risk-based capital ratio
Memoranda
$23Average assets
$27,159Average earning assets
$3,504Average equity
$24,886Average loans
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