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Peoples State Bank of Bloomer

Bloomer, WI · Cert 1135

FDIC · 1 branch

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples State Bank of Bloomer

Bloomer, WI · Cert 1135

FDIC · 1 branch

Q2 2014

$116.6MAssets
$51.1MLoans
$100.8MDeposits
$15.4MEquity
Loan mix
88%RE $42.0M11%C&I $5.2M1%Consumer $0.7MQ2 2013Q2 2014
Deposit mix
83%Interest-bearing $84.0M17%Noninterest $16.9MQ2 2013Q2 2014

NIM

3.97%Q2 ’123.36%Q2 ’130.76%Q2 ’14-13%-77%

Non-interest income vs. expense

2.53%Q2 ’122.56%Q2 ’130.44%Q2 ’14-3%-85%

Market Position · Eau Claire, WI · 2014 SOD (annual) · 3.9% share · #9 of 23 inst. · $0.1B of $2.6B

Executive Summary

  • Earnings: ROA of 0.41%, down 43 bps year over year; NIM at 0.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 50.66% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

0.41%-43 bps YoY

Net Interest Margin (YTD, annualized)

0.69%-227 bps YoY

Efficiency Ratio (YTD, annualized)

52.46%-1,904 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.84%0.73%0.79%0.87%0.41%-43 bps
Return on Equity6.82%6.01%6.55%7.27%3.35%-347 bps
Net Interest Margin2.96%3.02%3.04%3.07%0.69%-227 bps
Efficiency Ratio71.50%74.29%72.37%80.97%52.46%-1,904 bps
Non-Interest Burden1.94%2.09%2.04%2.39%0.29%-165 bps
Growth
Asset Growth (YoY)-0.79%0.72%-0.65%-1.73%1.59%+238 bps
Loan Growth (YoY)-10.95%-5.68%1.22%0.04%-3.69%+726 bps
Deposit Growth (YoY)1.14%2.35%0.62%-1.36%0.81%-34 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.01%-0.01%-0.01%0.00%-2 bps
Allowance / Loans1.73%1.68%1.68%1.71%0.00%-173 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital24.02%22.73%22.77%23.55%18.79%-523 bps
Equity / Assets12.15%11.67%11.59%12.24%13.17%+103 bps
Liquidity & Funding
Loans / Deposits53.02%54.05%53.66%54.15%50.66%-236 bps
Liquid Assets / Assets0.00%1.27%1.57%3.36%3.49%+349 bps
CRE / Total Capitaln/an/an/an/an/an/an/a