0000914317-14-000330.txt : 20140317 0000914317-14-000330.hdr.sgml : 20140317 20140317125629 ACCESSION NUMBER: 0000914317-14-000330 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 12 CONFORMED PERIOD OF REPORT: 20131231 FILED AS OF DATE: 20140317 DATE AS OF CHANGE: 20140317 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PSB HOLDINGS INC /WI/ CENTRAL INDEX KEY: 0000948368 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 391804877 STATE OF INCORPORATION: WI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-26480 FILM NUMBER: 14696810 BUSINESS ADDRESS: STREET 1: 1905 WEST STEWART AVE CITY: WAUSAU STATE: WI ZIP: 54401 BUSINESS PHONE: 7158422191 MAIL ADDRESS: STREET 1: P.O. BOX 1686 CITY: WAUSAU STATE: WI ZIP: 54402-1686 FORMER COMPANY: FORMER CONFORMED NAME: PEOPLES STATE BANK /WI/ DATE OF NAME CHANGE: 19950721 10-K 1 form10k-135647_psb.htm 10-K

FORM 10-K

 

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

_____________

 

ý     ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

 

For the fiscal year ended December 31, 2013

 

¨      TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from _____________ to _____________

 

Commission file number: 0-26480

 

PSB HOLDINGS, INC.

www.psbholdingsinc.com

 

 

WISCONSIN 39-1804877

 

1905 Stewart Avenue

Wausau, Wisconsin 54401

Registrant’s telephone number, including area code: 715-842-2191

 

Securities registered pursuant to Section 12(b) of the Act: None

 

Securities registered pursuant to Section 12(g) of the Act:

 

Common Stock, no par value

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.

 

Yes  ¨          No  ý

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act.

 

Yes  ¨          No  ý

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such report), and (2) has been subject to such filing requirements for the past 90 days.

 

Yes  ý          No  ¨

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).

 

Yes  ý          No  ¨

 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  ¨

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definition of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.

 

  Large accelerated filer ¨   Accelerated filer ¨  
             
  Non-accelerated filer ¨   Smaller reporting company ý  
  (Do not check if a smaller reporting company)

 

 

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2) of the Exchange Act).

 

Yes  ¨          No  ý

 

The aggregate market value of the voting stock held by non-affiliates as of June 30, 2013, was approximately $44,660,000. For purposes of this calculation, the registrant has assumed its directors, executive officers, and employee 401(k) profit-sharing plan are affiliates. As of March 17, 2014, 1,658,157 shares of common stock were outstanding.

 

DOCUMENTS INCORPORATED BY REFERENCE

Proxy Statement dated March 17, 2014 (to the extent specified herein): Part III

 

 
 

FORM 10-K

 

PSB HOLDINGS, INC.

 

TABLE OF CONTENTS

 

PART I  
       
  ITEM    
       
  1. Business 1
  1A. Risk Factors. 15
  1B. Unresolved Staff Comments 22
  2. Properties 22
  3. Legal Proceedings 22
  4. Mine Safety Disclosures 22
       
       
PART II  
       
  5. Market for Registrant’s Common Equity and Related Stockholder Matters and Issuer Purchases of Equity Securities 23
  6. Selected Financial Data 24
  7. Management’s Discussion and Analysis of Financial Condition and Results of Operations 25
  7A. Quantitative and Qualitative Disclosures About Market Risk 77
  8. Financial Statements and Supplementary Data 77
  9. Changes in and Disagreements With Accountants on Accounting and Financial Disclosure 127
  9A. Controls and Procedures 127
  9B. Other Information 127
       
       
PART III  
       
  10. Directors and Executive Officers of the Registrant 128
  11. Executive Compensation 128
  12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 128
  13. Certain Relationships and Related Transactions 129
  14. Principal Accounting Fees and Services 129
       
       
PART IV  
       
  15. Exhibits, Financial Statement Schedules 130

 

i

PART I

 

Item 1. BUSINESS.

 

Business Operations and Products

 

PSB Holdings, Inc. (“PSB”) owns and operates Peoples State Bank (“Peoples”), a commercial community bank formed in 1962 and headquartered in Wausau, Wisconsin. For 51 years, Peoples has sought to meet the financial needs of local business owners and their families for the betterment of our communities by providing a wide range of beneficial products delivered with fair prices and integrity. Through its 130 full time employees, Peoples serves approximately 16,000 retail households and commercial businesses with our north central Wisconsin network of eight full service locations including five in the greater Wausau, Wisconsin area, and locations in Rhinelander, Minocqua, and Eagle River, Wisconsin. PSB held $712 million in total assets at December 31, 2013 and maintained the second highest deposit market share in Marathon County, Wisconsin. Following the spring 2014 consummation of the recently announced agreement to purchase the Rhinelander, Wisconsin branch of The Baraboo National Bank, PSB will also hold the second highest deposit market share in Oneida County, Wisconsin.

 

We operate as a local community bank, but offer virtually the same products as larger regional banks. We are engaged in general commercial and retail banking and serve individuals, businesses, and governmental units. We offer most forms of commercial lending, including lines and letters of credit, secured and unsecured term loans, equipment and lease financing, and commercial mortgage lending. Commercial customers may use available cash management, lockbox, and merchant banking products, including tools to protect deposit accounts against fraud and facilitate on-site electronic commercial deposits. In addition, we provide a full range of personal banking services, including checking accounts, savings and time deposit accounts, a local network of automated teller machines, online computer banking, mobile banking, credit and debit cards, installment and other personal loans, as well as long-term fixed rate mortgage loans. New services are regularly added to our commercial and retail banking product line-ups. In addition to these traditional banking products, we offer brokerage and financial advisory services including the sale of annuities, mutual funds, other investments, and retirement financial planning consultation services to our customers and the general public. We recognize many opportunities for continued growth in products, customers, assets, and profits both within north central Wisconsin and nearby markets.

 

Commercial-related loans represent our largest type of asset and approximately 69% of our gross loans receivable. Our typical commercial customers are local small to medium sized business owners with annual sales of less than $50 million. We provide a growing suite of deposit and cash management products in addition to meeting customer credit needs. We build customer relationships on a frequent face to face basis and deliver value by providing capital and liquidity management advice and recommendations specific to our customers’ businesses. Since inception, we have maintained low loan loss ratios through conservative lending practices, emphasis on knowing our customer by establishing deep relationships with each of them, and maintaining focus on serving communities with which we are familiar.

 

Peoples has a long tradition of strong retail banking products. This emphasis has allowed us to be a leader in local residential real estate lending consistently resulting in number one or number two market share based on mortgage filings. The majority of our residential real estate loans are sold on the secondary market with servicing rights retained. We also maintain a diversified portfolio of local core deposits, including noninterest bearing deposits, savings and retail time deposits less than $100,000, and money market deposits, which make up approximately 82% of total deposits and 67% of total assets. We believe the combination of competitively priced residential mortgage financing and low cost transactional deposit accounts builds a profitable core retail customer base with ongoing growth potential.

 

We meet the needs of customers with an emphasis on customer service, flexibility, and local decision making. Customers and prospects are identified and served on a face to face basis through relationships directly with bank staff. Virtually all of our customers live or work or have relationships with those within our bank’s primary market area in north central Wisconsin. Our employees are substantial participants in community activities, averaging over 40 hours of community service per employee during 2013, for the betterment of our market area.

 

More information on PSB, its operations and financial results including annual and quarterly reports on Forms 10-K and 10-Q, is available free of charge at our investor relations website, www.psbholdingsinc.com. Alternatively, you may contact us directly at 1-888-929-9902 to receive paper or electronic copies of information filed with the United States Securities and Exchange Commission without cost. Bid and ask prices for purchase or sale of PSB common stock are quoted on the OTC Markets Exchange (www.OTCMarkets.com) under the stock symbol PSBQ.

1

Competitive Position

 

There is a mix of retail, health care, manufacturing, agricultural, and service businesses in the areas we serve. We have substantial competition in our market areas. Much of this competition comes from companies that are larger and have greater resources than us. We compete for deposits and other sources of funds with other banks, savings associations, credit unions, finance companies, mutual funds, life insurance companies, and other financial and non financial companies. Many of these nonbank competitors offer products and services which are functionally equivalent to the products and services we offer, and new bank and nonbank competitors continue to enter our markets on a regular basis.

 

Our relative size (compared to other area community banks, thrifts, and credit unions) allows us to offer a wide array of financial service products. Although we are larger than a typical community bank, traditional community bank customer service and flexibility differentiate us from larger financial service providers. Therefore, we can offer better service to customers disenfranchised by poor service received from larger banks, higher-cost retail deposit products, and the perception of government “bailouts” provided to larger banks, while allowing customers to continue their practice of one-stop shopping and local service support. We can compete against smaller local community banks and credit unions by continuing the same level of service these customers expect while providing them an expanded and competitively priced product lineup due in part to economies of scale and access to wholesale funding sources and capital at comparatively lower cost.

 

Based on publicly available deposit market share information as of June 30, 2013, the following is a list of the largest FDIC insured banks in each of our primary markets and a comparison of our deposit market share to these primary competitors. The Wausau-Marathon County, Wisconsin MSA is our largest market in which we have the second largest market share. As in most Wisconsin communities, BMO Harris Bank holds the largest market share and represents the greatest opportunity to increase deposits from competitors.

 

   June 30, 2013       June 30, 2012
   Deposit $’s  Market       Deposit $’s  Market
   ($000s)  Share       ($000s)  Share
                  
Marathon County, Wisconsin              Marathon County, Wisconsin          
                          
BMO Harris Bank  $513,500    18.2%    BMO Harris Bank  $546,879    19.0%
Peoples State Bank (2nd of 23)   444,520    15.8%    Peoples State Bank (2nd of 24)   475,159    16.5%
River Valley Bank   323,611    11.5%    Associated Bank   323,536    11.3%
Associated Bank   316,222    11.2%    River Valley Bank   309,420    10.8%
All other FDIC insured institutions   1,217,836    43.3%    All other FDIC insured institutions   1,216,370    42.4%
Totals  $2,815,689    100.0%    Totals  $2,871,364    100.0%
                          
Oneida County, Wisconsin              Oneida County, Wisconsin          
                          
BMO Harris Bank  $166,335    24.8%    BMO Harris Bank  $223,201    30.1%
Peoples State Bank (2nd of 8)*   116,497    17.4%    Associated Bank   105,122    14.2%
Associated Bank   107,428    15.9%    Firstmerit Bank   83,317    11.3%
River Valley Bank   85,602    12.8%    Peoples State Bank (5th of 9)   72,379    9.8%
All other FDIC insured institutions   195,375    29.1%    All other FDIC insured institutions   256,494    34.6%
Totals  $671,237    100.0%    Totals  $740,513    100.0%
                          
Vilas County, Wisconsin              Vilas County, Wisconsin          
                          
BMO Harris Bank  $96,973    22.9%    BMO Harris Bank  $108,743    24.5%
First National Bank of Eagle River   85,317    20.2%    First National Bank of Eagle River   91,471    20.6%
Headwaters State Bank   55,580    13.2%    Headwaters State Bank   56,275    12.7%
Peoples State Bank (7th of 10)   19,467    4.6%    Peoples State Bank (8th of 10)   16,796    3.8%
All other FDIC insured institutions   165,482    39.1%    All other FDIC insured institutions   170,122    38.4%
Totals  $422,819    100.0%    Totals   $443,407    100.0%

 

*For the purpose of this table, Peoples State Bank deposits in Oneida County, Wisconsin also include $45,949 in deposits of The Baraboo National Bank that are under agreement to be purchased by Peoples State Bank during 2014.

 

2

Our primary source of income is loan interest income earned on commercial and residential loans made to local customers, which together represented a range of approximately 66% to 70% of our gross revenue during the past three years. We originate and sell long-term fixed rate mortgage loans to the secondary market and service future payments on these loans for a substantial amount of fee income which is reported as mortgage banking income. Depositors pay us various service fees, including overdraft charges and commercial service fees, which contribute to noninterest income. Deposits raised from local customers provide the most significant source of funding to provide loans and credit products to customers. Loan product sales in excess of local deposit growth are supplemented by wholesale and national funding such as brokered deposits, FHLB advances, and repurchase agreements. We do not have a dependence on any major customers. The primary sources of revenue are outlined below:

 

   2013  2012  2011
Revenue source   $  % of revenue   $  % of revenue   $  % of revenue
                   
Interest on commercial related loans  $15,767    48.6%  $16,253    48.1%  $17,684    52.5%
Interest on residential mortgage loans   6,532    20.2%   6,172    18.3%   5,912    17.6%
Interest on securities   3,609    11.1%   3,695    10.9%   3,762    11.2%
Mortgage banking   1,591    4.9%   1,795    5.3%   1,373    4.1%
Service fees and charges   1,580    4.9%   1,648    4.9%   1,632    4.8%
All other revenue   1,608    5.0%   1,628    4.8%   1,741    5.1%
Investment and insurance sales   944    2.9%   736    2.2%   631    1.9%
Loan fees   522    1.6%   724    2.1%   592    1.8%
Interest on consumer loans   305    0.9%   310    0.9%   292    0.9%
Gain on sale of securities   12    0.0%   —    0.0%   32    0.1%
Gain on bargain purchase   —    0.0%   851    2.5%   —    0.0%
Loss on sale of credit card loan principal   (31)   -0.1%   —    0.0%   —    0.0%
                               
Total gross revenue  $32,439    100.0%  $33,812    100.0%  $33,651    100.0%

 

During 2012, we acquired Marathon State Bank (“Marathon”) and combined it with our existing Peoples’ branch located in Marathon City, Wisconsin. The acquisition of Marathon was our first “whole bank” purchase and our first merger and acquisition activity. Historically, we had pursued a market expansion plan that included de novo (start-up) branching into adjacent market areas. Full-service bank de novo branches were opened in Eagle River, Rhinelander, Minocqua, and Weston, Wisconsin, during 2001 through 2005, in part to expand our market area into northern Wisconsin. During those periods, we believed opening in adjacent markets capitalized on existing management resources and minimized costs for name recognition and awareness while increasing the speed in which customers are obtained via new locations while improving convenience of service for existing customers. No new branch locations have been opened since 2005. As noted previously, we have an agreement to purchase the Rhinelander, Wisconsin branch of The Baraboo National Bank, which we anticipate will close in early spring 2014. This transaction will add approximately $44 million in deposits and approximately $22 million in performing loans. We intend to pursue opportunities to acquire additional bank subsidiaries or banking offices in new or adjacent markets so that, at any time, we may be engaged in some tentative or preliminary discussions for such purposes with officers, directors, or principal stockholders of other holding companies or banks. We also actively search for key sales personnel in new or adjacent markets which would permit us to open a de novo lending operation or branch location to generate new market growth.

 

Current banking law provides us with a competitive environment, and competition for our products and services is likely to continue. For example, current federal law permits adequately capitalized and managed bank holding companies to engage in interstate banking on a broad scale. In addition, financial holding companies are permitted to conduct a broad range of banking, insurance, and securities activities. Banking regulators generally permit the formation of new banks if those banks are able to raise the necessary capital, and some large financial institutions such as investment banks also hold banking charters. We believe that the combined effects of more interstate banking and expansion via branching of existing competitors and large investment banks are likely to increase the overall level of competition and attract competitors who will compete for our customers.

 

In addition to competition, our business is and will continue to be affected by general economic conditions, including the level of interest rates and the monetary policies of the Federal Reserve and actions of the U.S. Treasury Department (see “Regulation and Supervision”). This competition may cause us to seek out opportunities to provide additional financial services to replace or supplement traditional net interest income or deposit fee income.

 

Organizational Structure

 

Our organizational structure is commonly referred to as a “one bank holding company.” PSB was formed in a 1995 tax-free reorganization and is the 100% owner of Peoples State Bank, its only significant subsidiary. This holding company structure permits more active market-based trading of the banking operation’s common stock as well as providing various vehicles in which to obtain equity capital to inject into the bank subsidiary. To facilitate the issuance of junior subordinated debentures in connection with a pooled trust preferred capital issue during 2005, the holding company also owns common stock in PSB Holdings Statutory Trust I. The holding company has no significant revenue producing activities other than ownership of Peoples State Bank.

3

Since its formation in 1962, all day to day revenue and expense producing activities are conducted by Peoples State Bank. Peoples employs a wholly owned Nevada subsidiary, PSB Investments, Inc., to hold and manage virtually all of the Bank’s investment securities portfolio including the activities of pledging securities against customer deposits and repurchase agreements as needed.

 

All of our products and services are directly or indirectly related to the business of community banking and all of our activity is reported as one segment of operations. Therefore, revenues, profits and losses, and assets are all reported in one segment and represent our entire operations. We maintain a traditional retail and commercial banking business model and do not regularly employ or sell stand-alone derivative instruments to hedge our cash flow and fair value risks. As of March 1, 2014, we operated with 130 full-time equivalent (“FTE”) employees, including 17 FTE employed on a part time basis. As is common in the banking industry, none of our employees is covered by a collective bargaining agreement.

 

Regulation and Supervision

 

PSB Holdings, Inc. (“PSB”) and Peoples State Bank (“Peoples”) are subject to extensive state and federal banking laws and regulations that impose restrictions on and provide for general regulatory oversight of their operations. These laws and regulations are generally intended to protect depositors and not stockholders. Legislation and related regulations promulgated by government agencies influence, among other things:

 

•how, when, and where we may expand geographically;
•into what product or service markets we may enter;
•how we must manage our assets; and
•under what circumstances money may or must flow between the parent bank holding company (PSB) and the subsidiary bank (Peoples).

Set forth below is an explanation of the major pieces of legislation and regulation affecting the banking industry and how that legislation and regulation affects our actions. The following summary is qualified by reference to the statutory and regulatory provisions discussed. Changes in applicable laws or regulations may have a material effect on our business and prospects, and legislative changes and the policies of various regulatory authorities may significantly affect our operations. We cannot predict the effect that fiscal or monetary policies, or new federal or state legislation may have on our future business and earnings.

 

Regulation of PSB Holdings, Inc.

 

Because PSB owns all of the capital stock of Peoples State Bank, it is a bank holding company under the federal Bank Holding Company Act of 1956 (the “Bank Holding Company Act”). As a result, PSB is primarily subject to the supervision, examination, and reporting requirements of the Bank Holding Company Act and the regulations of the Board of Governors of the Federal Reserve System (the “Federal Reserve”). As a bank holding company located in Wisconsin, the Wisconsin Department of Financial Institutions (“WDFI”) also regulates and monitors all significant aspects of its operations.

 

Acquisitions of Banks

 

The Bank Holding Company Act requires every bank holding company to obtain the prior approval of the Federal Reserve before:

 

•acquiring direct or indirect ownership or control of any voting shares of any bank if, after the acquisition, the bank holding company will directly or indirectly own or control more than 5% of the bank’s voting shares;
•acquiring all or substantially all of the assets of any bank; or
•merging or consolidating with any other bank holding company.

Additionally, The Bank Holding Company Act provides that the Federal Reserve may not approve any of these transactions if it would result in or tend to create a monopoly, substantially lessen competition, or otherwise function as a restraint of trade, unless the anti-competitive effects of the proposed transaction are clearly outweighed by the public interest in meeting the convenience and needs of the community to be served. The Federal Reserve is also required to consider the financial and managerial resources and future prospects of the bank holding companies and banks involved in the transaction and the convenience and needs of the community to be served. The Federal Reserve’s consideration of financial resources generally focuses on capital adequacy, which is discussed below.

 

4

Under The Bank Holding Company Act, if adequately capitalized and adequately managed, PSB or any other bank holding company located in Wisconsin may purchase a bank located outside of Wisconsin. Conversely, an adequately capitalized and adequately managed bank holding company located outside of Wisconsin may purchase a bank located inside Wisconsin. In each case, however, restrictions may be placed on the acquisition of a bank that has only been in existence for a limited amount of time or will result in specified concentrations of deposits.

 

Change in Bank Control

 

Subject to various exceptions, The Bank Holding Company Act and the Change in Bank Control Act, together with related regulations, require Federal Reserve approval prior to any person or company acquiring “control” of a bank holding company. Control is conclusively presumed to exist if an individual or company acquires 25% or more of any class of voting securities of the bank holding company. Control is rebuttably presumed to exist if a person or company acquires 10% or more, but less than 25%, of any class of voting securities and either:

 

•the bank holding company has registered securities under Section 12 of the Securities Act of 1934; or
•no other person owns a greater percentage of that class of voting securities immediately after the transaction.

Permitted Activities

 

The Bank Holding Company Act has generally prohibited a bank holding company from engaging in activities other than banking or managing or controlling banks or other permissible subsidiaries and from acquiring or retaining direct or indirect control of any company engaged in any activities other than those determined by the Federal Reserve to be closely related to banking or managing or controlling banks as to be a proper incident thereto. Provisions of the Gramm-Leach-Bliley Act have expanded the permissible activities of a bank holding company that qualifies as a financial holding company. Under the regulations implementing the Gramm-Leach-Bliley Act, a financial holding company may engage in additional activities that are financial in nature or incidental or complementary to financial activities. Those activities include, among other activities, certain insurance and securities activities. PSB has not elected to become a financial holding company at this time.

 

Support of Subsidiary Institutions

 

Under Federal Reserve policy, PSB is required to act as a source of financial strength for Peoples and to commit resources to support Peoples. This support may be required at times when, without this Federal Reserve policy, PSB might not be inclined to provide it. In addition, any capital loans made by PSB to Peoples will be repaid only after Peoples’ deposits and various other obligations are repaid in full. In the unlikely event of its bankruptcy, any commitment that PSB gives to a bank regulatory agency to maintain the capital of Peoples will be assumed by the bankruptcy trustee and entitled to a priority of payment.

 

Sarbanes-Oxley Act of 2002

 

On July 30, 2002, the Sarbanes-Oxley Act of 2002 (the “Sarbanes-Oxley Act”) was signed into law with sweeping federal legislation addressing accounting, corporate governance, and disclosure issues. The impact of the Sarbanes-Oxley Act is wide-ranging as it applies to all public companies and imposes significant requirements for public company governance and disclosure requirements.

 

In general, the Sarbanes-Oxley Act mandated important new corporate governance and financial reporting requirements intended to enhance the accuracy and transparency of public companies’ reported financial results. It established new responsibilities for corporate chief executive officers, chief financial officers and audit committees in the financial reporting process and created a new regulatory body to oversee auditors of public companies. It backed these requirements with new SEC enforcement tools, increased criminal penalties for federal mail, wire and securities fraud, and created new criminal penalties for document and record destruction in connection with federal investigations. It also increased the opportunity for more private litigation by lengthening the statute of limitations for securities fraud claims and provided new federal corporate whistleblower protection.

 

The economic and operational effects of this legislation on public companies, including us, are significant in terms of the time, resources and costs associated with complying with this law. Because the Sarbanes-Oxley Act, for the most part, applies equally to larger and smaller public companies, we are presented with additional challenges as a smaller, community-oriented financial institution seeking to compete with larger financial institutions in its market.

 

On July 21, 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”) was signed into law and included a permanent delay of the implementation of section 404(b) of the Sarbanes-Oxley Act for companies with non-affiliated public float under $75 million. Section 404(b) is the requirement to have an independent accounting firm audit and attest to the effectiveness of a company’s internal controls. As PSB does not exceed the public float threshold described above, there are no additional costs anticipated for complying with Section 404(b) in 2014.

 

5

The Dodd-Frank Act of 2010

 

The Dodd-Frank Act has had a broad impact on the financial services industry, including significant regulatory and compliance changes previously discussed and including, among other things, (1) enhanced resolution authority of troubled and failing banks and their holding companies; (2) increased regulatory examination fees; and (3) numerous other provisions designed to improve supervision and oversight of, and strengthening safety and soundness for, the financial services sector. Additionally, the Dodd-Frank Act establishes a new framework for systemic risk oversight within the financial system to be distributed among new and existing federal regulatory agencies, including the Financial Stability Oversight Council, the Federal Reserve Board, the OCC, and the FDIC.

 

Many of the requirements called for in the Dodd-Frank Act will be implemented over time, and most will be subject to implementing regulations over the course of several years. Given the uncertainty associated with the manner in which the provisions of the Dodd-Frank Act will be implemented by the various regulatory agencies and through regulations, the full extent of the impact such requirements will have on financial institutions’ operations is unclear. The changes resulting from the Dodd-Frank Act may impact the profitability of its business activities; require changes to certain of its business practices; impose upon us more stringent capital, liquidity, and leverage ratio requirements; or otherwise adversely affect its business. These changes may also require us to invest significant management attention and resources to evaluate and make necessary changes in order to comply with new statutory and regulatory requirements.

 

Regulation of Peoples State Bank

 

Because Peoples State Bank is chartered as a state bank with the WDFI, it is primarily subject to the supervision, examination, and reporting requirements of Wisconsin Banking Statute Chapter 221 and related rules and regulations of the WDFI. The WDFI regularly examines Peoples’ operations and has the authority to approve or disapprove mergers, the establishment of branches, and similar corporate actions. The WDFI also has the power to prevent the continuance or development of unsafe or unsound banking practices or other violations of law. Because Peoples’ deposits are insured by the FDIC to the maximum extent provided by law, it is also subject to FDIC regulations and the FDIC also has examination authority and primary federal regulatory authority over Peoples. Peoples is also subject to numerous other state and federal statutes and regulations that affect its business, activities, and operations.

 

Branching

 

Under Wisconsin law, Peoples may open branch offices throughout the state with the prior approval of the WDFI. In addition, with prior regulatory approval, Peoples may acquire branches of existing banks located in Wisconsin or other states. Prior to the enactment of the Dodd-Frank Act, Peoples and any other national- or state-chartered banks were generally permitted to branch across state lines by merging with banks in other states if allowed by the applicable states’ laws. However, interstate branching is now permitted for all national- and state-chartered banks as a result of the Dodd-Frank Act, provided that a state bank chartered by the state in which the branch is to be located would also be permitted to establish a branch.

 

Prompt Corrective Action

 

The Federal Deposit Insurance Corporation Improvement Act of 1991 establishes a system of prompt corrective action to resolve the problems of undercapitalized financial institutions. Under this system, the federal banking regulators have established five capital categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, in which all institutions are placed. The federal banking agencies have also specified by regulation the relevant capital levels for each category.

 

As a bank’s capital position deteriorates, federal banking regulators are required to take various mandatory supervisory actions and are authorized to take other discretionary actions with respect to institutions in the three undercapitalized categories. The severity of the action depends upon the capital category in which the institution is placed. Generally, subject to a narrow exception, the banking regulator must appoint a receiver or conservator for an institution that is critically undercapitalized.

 

A “well-capitalized” bank is one that is not required to meet and maintain a specific capital level for any capital measure, pursuant to any written agreement, order, capital directive, or prompt corrective action directive, and has a total risk-based capital ratio of at least 10%, a Tier 1 risk-based capital ratio of at least 6%, and a Tier 1 leverage ratio of at least 5%. Generally, a classification as well capitalized will place a bank outside of the regulatory zone for purposes of prompt corrective action. However, a well-capitalized bank may be reclassified as “adequately capitalized” based on criteria other than capital, if the federal regulator determines that a bank is in an unsafe or unsound condition, or is engaged in unsafe or unsound practices, which requires certain remedial action.

 

An “adequately-capitalized” bank meets the required minimum level for each relevant capital measure, including a total risk-based capital ratio of at least 8%, a Tier 1 risk-based capital ratio of at least 4% and a Tier 1 leverage ratio of at least 4%. A bank that is adequately capitalized is prohibited from directly or indirectly accepting, renewing or rolling over any brokered deposits, absent applying for and receiving a waiver from the applicable regulatory authorities. Institutions that are not well capitalized are also prohibited, except in very limited circumstances where the FDIC permits use of a higher local market rate, from paying yields for deposits in excess of 75 basis points above a national average rate for deposits of comparable maturity, as calculated by the FDIC. In addition, all institutions are generally prohibited from making capital distributions and paying management fees to controlling persons if, subsequent to such distribution or payment, the institution would be undercapitalized. Finally, an adequately-capitalized bank may be forced to comply with operating restrictions similar to those placed on undercapitalized banks.

 

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An “undercapitalized” bank fails to meet the required minimum level for any relevant capital measure. A bank that reaches the undercapitalized level is likely subject to a formal agreement, consent order or another formal supervisory sanction. An undercapitalized bank is not only subject to the requirements placed on adequately-capitalized banks, but also becomes subject to the following operating and managerial restrictions, which:

 

•prohibit capital distributions;
•prohibit payment of management fees to a controlling person;
•require the bank to submit a capital restoration plan within 45 days of becoming undercapitalized;
•require close monitoring of compliance with capital restoration plans, requirements and restrictions by the primary federal regulator;
•restrict asset growth by requiring the bank to restrict its average total assets to the amount attained in the preceding calendar quarter;
•prohibit the acceptance of employee benefit plan deposits; and
•require prior approval by the primary federal regulator for acquisitions, branching and new lines of business.

Finally, an undercapitalized institution may be required to comply with operating restrictions similar to those placed on significantly-undercapitalized institutions.

 

A “significantly-undercapitalized” bank has a total risk-based capital ratio less than 6%, a Tier 1 risk-based capital less than 3%, and a Tier 1 leverage ratio less than 3%. In addition to being subject to the restrictions applicable to undercapitalized institutions, significantly undercapitalized banks may, at the discretion of the bank’s primary federal regulator, also become subject to the following additional restrictions, which:

 

•require the sale of enough capital stock so that the bank is adequately capitalized or, if grounds for conservatorship or receivership exist, the merger or acquisition of the bank;
•restrict affiliate transactions;
•restrict interest rates paid on deposits;
•further restrict growth, including a requirement that the bank reduce its total assets;
•restrict or prohibit all activities that are determined to pose an excessive risk to the bank;
•require the bank to elect new directors, dismiss directors or senior executive officers, or employ qualified senior executive officers to improve management;
•prohibit the acceptance of deposits from correspondent banks, including renewals and rollovers of prior deposits;
•require prior approval of capital distributions by holding companies;
•require holding company divestiture of the financial institution, bank divestiture of subsidiaries and/or holding company divestiture of other affiliates; and
•require the bank to take any other action the federal regulator determines will “better achieve” prompt corrective action objectives.

Finally, without prior regulatory approval, a significantly undercapitalized institution must restrict the compensation paid to its senior executive officers, including the payment of bonuses and compensation that exceeds the officer’s average rate of compensation during the 12 calendar months preceding the calendar month in which the bank became undercapitalized.

 

A “critically-undercapitalized” bank has a ratio of tangible equity to total assets that is equal to or less than 2%. In addition to the appointment of a receiver in not more than 90 days, or such other action as determined by an institution’s primary federal regulator, an institution classified as critically undercapitalized is subject to the restrictions applicable to undercapitalized and significantly-undercapitalized institutions, and is further prohibited from doing the following without the prior written regulatory approval:

 

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•entering into material transactions other than in the ordinary course of business;
•extending credit for any highly leveraged transaction;
•amending the institution’s charter or bylaws, except to the extent necessary to carry out any other requirements of law, regulation or order;
•making any material change in accounting methods;
•engaging in certain types of transactions with affiliates;
•paying excessive compensation or bonuses, including golden parachutes;
•paying interest on new or renewed liabilities at a rate that would increase the institution’s weighted average cost of funds to a level significantly exceeding the prevailing rates of its competitors; and
•making principal or interest payment on subordinated debt 60 days or more after becoming critically undercapitalized.

In addition, a bank’s primary federal regulator may impose additional restrictions on critically-undercapitalized institutions consistent with the intent of the prompt corrective action regulations. Once an institution has become critically undercapitalized, subject to certain narrow exceptions such as a material capital remediation, federal banking regulators will initiate the resolution of the institution.

 

FDIC Insurance Assessments

 

Peoples’ deposits are insured by the Deposit Insurance Fund (the “DIF”) of the FDIC up to the maximum amount permitted by law, which was permanently increased to $250,000 by the Dodd-Frank Act. The FDIC uses the DIF to protect against the loss of insured deposits if an FDIC-insured bank or savings association fails. Pursuant to the Dodd-Frank Act, the FDIC must take steps, as necessary, for the DIF reserve ratio to reach 1.35% of estimated insured deposits by September 30, 2020. Peoples is thus subject to FDIC deposit premium assessments.

 

Currently, the FDIC uses a risk-based assessment system that assigns insured depository institutions to one of four risk categories based on three primary sources of information — supervisory risk ratings for all institutions, financial ratios for most institutions, including Peoples, and a “scorecard” calculation for large institutions. The FDIC adopted rules, effective April 1, 2011, redefining the assessment base and adjusting the assessment rates. Previously, the assessment base was domestic deposits; the new rule uses an assessment base of average consolidated total assets minus tangible equity, which is defined as Tier 1 Capital. Under the current rules, institutions assigned to the lowest risk category must pay an annual assessment rate now ranging between 2.5 and 9 cents per $100 of the assessment base. For institutions assigned to higher risk categories, assessment rates now range from 9 to 45 cents per $100 of the assessment base. These ranges reflect a possible downward adjustment for unsecured debt outstanding and, in the case of institutions outside the lowest risk category, possible upward adjustments for brokered deposits.

 

The new rules retain the FDIC Board’s flexibility to, without further notice-and-comment rulemaking, adopt rates that are higher or lower than the stated base assessment rates, provided that the FDIC cannot (1) increase or decrease the total rates from one quarter to the next by more than two basis points, or (2) deviate by more than two basis points from the stated base assessment rates. Although the Dodd-Frank Act requires that the FDIC eliminate its requirement to pay dividends to depository institutions when the reserve ratio exceeds a certain threshold, the FDIC’s new rule establishes a decreasing schedule of assessment rates that would take effect when the DIF reserve ratio first meets or exceeds 1.15%. If the DIF reserve ratio meets or exceeds 1.15% but is less than 2%, base assessment rates would range from 1.5 to 40 basis points; if the DIF reserve ratio meets or exceeds 2% but is less than 2.5%, base assessment rates would range from 1 to 38 basis points; and if the DIF reserve ratio meets or exceeds 2.5%, base assessment rates would range from 0.5 to 35 basis points.

 

On November 12, 2009, the FDIC adopted a rule requiring nearly all FDIC-insured depository institutions, including Peoples, to prepay their DIF assessments for the fourth quarter of 2009 and for the following three years on December 30, 2009. At that time, the FDIC indicated that the prepayment of DIF assessments was in lieu of additional special assessments; however, there can be no guarantee that continued pressures on the DIF will not result in additional special assessments being collected by the FDIC in the future.

 

On October 19, 2010, the FDIC adopted a new DIF Restoration Plan that foregoes the uniform three basis point-increase previously scheduled to take effect on January 1, 2011. The FDIC indicated that this change was based on revised projections calling for lower than previously expected DIF losses for the period 2010 through 2014, continued stresses on the earnings of insured depository institutions, and the additional time afforded to reach the DIF reserve ratio required by the Dodd-Frank Act.

 

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The FDIC also collects a deposit-based assessment from insured financial institutions on behalf of The Financing Corporation (“FICO”). The funds from these assessments are used to service debt issued by FICO in its capacity as a financial vehicle for the Federal Savings & Loan Insurance Corporation. The FICO assessment rate is set quarterly and these assessments will continue until the FICO issued debt matures between 2017 and 2019.

 

The FDIC may terminate its insurance of deposits if it finds that the institution has engaged in unsafe and unsound practices, is in an unsafe or unsound condition to continue operations, or has violated any applicable law, regulation, rule, order, or condition imposed by the FDIC.

 

Allowance for Loan Losses (“ALLL”)

 

The ALLL represents one of the most significant estimates in Peoples’ financial statements and regulatory reports. Because of its significance, we have developed a system by which we develop, maintain, and document a comprehensive, systematic, and consistently applied process for determining the amounts of the ALLL and the provision for loan losses. “The Interagency Policy Statement on the Allowance for Loan and Lease Losses,” issued on December 13, 2006, encourages all banks to ensure controls are in place to consistently determine the ALLL in accordance with GAAP,the bank’s stated policies and procedures, management’s best judgment, and relevant supervisory guidance. Consistent with supervisory guidance, we maintain a prudent and conservative, but not excessive, ALLL at a level appropriate to cover estimated credit losses on individually evaluated loans determined to be impaired as well as estimated credit losses inherent in the remainder of the loan and lease portfolio. Our estimate of credit losses reflects consideration of all significant factors that affect the collectability of the portfolio as of the evaluation date. See “Management’s Discussion and Analysis — Critical Accounting Policies.”

 

Commercial Real Estate Lending

 

On December 6, 2006, the federal banking regulators issued final guidance to remind financial institutions of the risk posed by commercial real estate (“CRE”) lending concentrations. CRE loans generally include land development, construction loans, and loans secured by multifamily property, and nonfarm, nonresidential real property where the primary source of repayment is derived from rental income associated with the property. The guidance prescribes the following guidelines for its examiners to help identify institutions that are potentially exposed to significant CRE risk and may warrant greater supervisory scrutiny:

 

•total reported loans for construction, land development and other land represent 100% or more of the institution’s total capital, or
•total commercial real estate loans represent 300% or more of the institution’s total capital, and the outstanding balance of the institution’s commercial real estate loan portfolio has increased by 50% or more.

Enforcement Powers

 

The Financial Institution Reform Recovery and Enforcement Act (“FIRREA”) expanded and increased civil and criminal penalties available for use by the federal regulatory agencies against depository institutions and certain “institution-affiliated parties.” Institution-affiliated parties primarily include management, employees, and agents of a financial institution, as well as independent contractors and consultants such as attorneys and accountants and others who participate in the conduct of the financial institution’s affairs. These practices can include the failure of an institution to timely file required reports or the filing of false or misleading information or the submission of inaccurate reports. Civil penalties may be as high as $1.1 million per day for such violations. Criminal penalties for some financial institution crimes have been increased to 20 years. In addition, regulators are provided with greater flexibility to commence enforcement actions against institutions and institution-affiliated parties.

 

Possible enforcement actions include the termination of deposit insurance. Furthermore, banking agencies’ power to issue regulatory orders were expanded. Such orders may, among other things, require affirmative action to correct any harm resulting from a violation or practice, including restitution, reimbursement, indemnifications or guarantees against loss. A financial institution may also be ordered to restrict its growth, dispose of certain assets, rescind agreements or contracts, or take other actions as determined by the ordering agency to be appropriate. The Dodd-Frank Act increases regulatory oversight, supervision and examination of banks, bank holding companies and their respective subsidiaries by the appropriate regulatory agency.

 

Community Reinvestment Act

 

The Community Reinvestment Act requires that, in connection with examinations of financial institutions within their respective jurisdictions, the federal banking agencies evaluate the record of each financial institution in meeting the credit needs of its local community, including low- and moderate-income neighborhoods. These facts are also considered in evaluating mergers, acquisitions, and applications to open a branch or facility. Failure to adequately meet these criteria could impose additional requirements and limitations on us. Additionally, we must publicly disclose the terms of various Community Reinvestment Act-related agreements.

 

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Other Regulations

 

Interest and other charges collected or contracted for by us are subject to state usury laws and federal laws concerning interest rates. Our loan operations are also subject to federal laws applicable to credit transactions, such as the:

 

•Truth-In-Lending Act, governing disclosures of credit terms to consumer borrowers;
•Home Mortgage Disclosure Act of 1975, requiring financial institutions to provide information to enable the public and public officials to determine whether a financial institution is fulfilling its obligation to help meet the housing needs of the community it serves;
•Equal Credit Opportunity Act, prohibiting discrimination on the basis of race, creed, or other prohibited factors in extending credit;
•Fair Credit Reporting Act of 1978, as amended by the Fair and Accurate Credit Transactions Act, governing the use and provision of information to credit reporting agencies, certain identity theft protections, and certain credit and other disclosures;
•Fair Debt Collection Act, governing the manner in which consumer debts may be collected by collection agencies;
•National Flood Insurance Act and Flood Disaster Protection Act, requiring flood insurance to extend or renew certain loans in flood plains;
•Real Estate Settlement Procedures Act, requiring certain disclosures concerning loan closing costs and escrows, and governing transfers of loan servicing and the amounts of escrows in connection with loans secured by one-to-four family residential properties;
•Soldiers’ and Sailors’ Civil Relief Act of 1940, as amended, governing the repayment terms of, and property rights underlying, secured obligations of persons currently on active duty with the United States military;
•Talent Amendment in the 2007 Defense Authorization Act, establishing a 36% annual percentage rate ceiling, which includes a variety of charges including late fees, for certain types of consumer loans to military service members and their dependents;
•Bank Secrecy Act, as amended by the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (the “USA PATRIOT Act”), imposing requirements and limitations on specific financial transactions and account relationships, intended to guard against money laundering and terrorism financing;
•sections 22(g) and 22(h) of the Federal Reserve Act which set lending restrictions and limitations regarding loans and other extensions of credit made to executive officers, directors, principal shareholders and other insiders; and
•rules and regulations of the various federal agencies charged with the responsibility of implementing these federal laws.

Our deposit operations are subject to federal laws applicable to depository accounts, such as the following:

 

•Right to Financial Privacy Act, which imposes a duty to maintain confidentiality of consumer financial records and prescribes procedures for complying with administrative subpoenas of financial records;
•Truth-In-Savings Act, requiring certain disclosures for consumer deposit accounts;
•Electronic Funds Transfer Act and Regulation E issued by the Federal Reserve Board to implement that act, which govern automatic deposits to and withdrawals from deposit accounts and customers’ rights and liabilities arising from the use of automated teller machines and other electronic banking services; and
•rules and regulations of the various federal agencies charged with the responsibility of implementing these federal laws.

As part of the overall conduct of the business, we must comply with:

 

•privacy and data security laws and regulations at both the federal and state level; and
•anti-money laundering laws, including the USA Patriot Act.

The Consumer Financial Protection Bureau

 

The Dodd-Frank Act created the Consumer Financial Protection Bureau (the “Bureau”) within the Federal Reserve Board. The Bureau is tasked with establishing and implementing rules and regulations under certain federal consumer protection laws with respect to the conduct of providers of certain consumer financial products and services. The Bureau has rulemaking authority over many of the statutes governing products and services offered to bank consumers. In addition, the Dodd-Frank Act permits states to adopt consumer protection laws and regulations that are more stringent than those regulations promulgated by the Bureau and state attorneys general are permitted to enforce consumer protection rules adopted by the Bureau against state-chartered institutions.

 

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Ability-to-Repay and Qualified Mortgage Rule

 

Pursuant to the Dodd-Frank Act, the Bureau issued a final rule on January 10, 2013 (effective on January 10, 2014) amending Regulation Z as implemented by the Truth in Lending Act, requiring mortgage lenders to make a reasonable and good faith determination based on verified and documented information that a consumer applying for a mortgage loan has a reasonable ability to repay the loan according to its terms. Mortgage lenders are required to determine consumers’ ability to repay in one of two ways. The first alternative requires the mortgage lender to consider the following eight underwriting factors when making the credit decision: (i) current or reasonably expected income or assets; (ii) current employment status; (iii) the monthly payment on the covered transaction; (iv) the monthly payment on any simultaneous loan; (v) the monthly payment for mortgage-related obligations; (vi) current debt obligations, alimony and child support; (vii) the monthly debt-to-income ratio or residual income; and (viii) credit history. Alternatively, the mortgage lender can originate “qualified mortgages,” which are entitled to a presumption that the creditor making the loan satisfied the ability-to-repay requirements. In general, a qualified mortgage is a mortgage loan without negative amortization, interest-only payments, balloon payments, or terms exceeding 30 years. In addition, to be a qualified mortgage the points and fees paid by a consumer cannot exceed 3% of the total loan amount. Qualified mortgages that are “higher priced” (e.g. subprime loans) are given a safe harbor of compliance. Peoples is predominantly an originator of compliant qualified mortgages.

 

Capital Adequacy

 

PSB and Peoples are required to comply with the capital adequacy standards established by the Federal Reserve Board, in the case of PSB, and the WDFI and FDIC, in the case of Peoples. The Federal Reserve Board has established a risk-based and a leverage measure of capital adequacy for bank holding companies. Peoples is also subject to risk-based and leverage capital requirements adopted by the FDIC, which are substantially similar to those adopted by the Federal Reserve Board for bank holding companies.

 

The risk-based capital standards are designed to make regulatory capital requirements more sensitive to differences in risk profiles among banks and bank holding companies, to account for off-balance sheet exposure, and to minimize disincentives for holding liquid assets. Assets and off-balance sheet items, such as letters of credit and unfunded loan commitments, are assigned to broad risk categories, each with appropriate risk weights. The resulting capital ratios represent capital as a percentage of total risk-weighted assets and off-balance sheet items.

 

The minimum guideline for the ratio of total capital to risk-weighted assets, and classification as adequately capitalized, is 8%. A bank that fails to meet the required minimum guidelines is classified as undercapitalized and subject to operating and management restrictions. A bank, however, that exceeds its capital requirements and maintains a ratio of total capital to risk-weighted assets of 10% is classified as well capitalized.

 

Total capital consists of two components: Tier 1 capital and Tier 2 capital. Tier 1 capital generally consists of common stockholders’ equity, minority interests in the equity accounts of consolidated subsidiaries, qualifying noncumulative perpetual preferred stock, and a limited amount of qualifying cumulative perpetual preferred stock, less goodwill and other specified intangible assets. Tier 1 capital must equal at least 4% of risk-weighted assets. Tier 2 capital generally consists of subordinated debt, other preferred stock and hybrid capital, and a limited amount of loan loss reserves. The total amount of Tier 2 capital is limited to 100% of Tier 1 capital. Refer to Note 20 of the Notes to Consolidated Financial Statements for information on our current regulatory capital ratios at December 31, 2013.

 

In addition, the Federal Reserve Board has established minimum leverage ratio guidelines for bank holding companies, which are intended to further address capital adequacy. The FDIC has adopted substantially similar requirements for banks. These guidelines provide for a minimum ratio of Tier 1 capital to average assets, less goodwill and other specified intangible assets, of 3% for institutions that meet specified criteria, including having the highest regulatory rating and implementing the risk-based capital measure for market risk. All other institutions generally are required to maintain a leverage ratio of at least 4%. The guidelines also provide that institutions experiencing internal growth or making acquisitions will be expected to maintain strong capital positions substantially above the minimum supervisory levels without reliance on intangible assets. The banking regulators consider the leverage ratio and other indicators of capital strength in evaluating proposals for expansion or new activities.

 

Through a provision known as “The Collins Amendment,” the Dodd-Frank Act establishes certain regulatory capital deductions with respect to hybrid capital instruments, such as trust preferred securities, that will effectively disallow the inclusion of such instruments in Tier 1 capital for all such capital instruments issued on or after May 19, 2010. However, securities issued prior to May 19, 2010 by bank holding companies with less than $15 billion in total consolidated assets as of December 31, 2009, such as PSB, are “grandfathered” and therefore not subject to these required capital deductions. Finally, bank holding companies subject to the Federal Reserve Board’s Small Bank Holding Company Policy Statement as in effect on May 19, 2010 — generally, holding companies with less than $500 million in consolidated assets — are exempt from the trust preferred treatment changes required by the Dodd-Frank Act.

 

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On July 2, 2013, the Federal Reserve Board approved a final rule that implements changes to the regulatory capital framework for all banking organizations as required by the Dodd-Frank Act. The new rules are effective for us on January 1, 2015 and include increases to the minimum regulatory capital ratios and introduction of a capital “buffer”. In addition, the definition of capital included in determination of regulatory capital ratios was changed. Lastly, the standardized approach for risk weighting assets was changed which increased the risk weights on certain higher risk assets, effectively requiring greater minimum levels of capital for those assets. The more significant changes impacting our regulatory capital ratios under the final rule include:

 

•A new common equity to risk weighted assets Tier 1 capital ratio was introduced with a minimum ratio of 4.5% for capital adequacy. In general, common equity includes that represented by common stock and surplus and retained earnings less the majority of regulatory capital deductions.
•The minimum for capital adequacy was increased for the Tier 1 to risk weighted assets ratio, from 4% to 6%.
•A new “capital conservation buffer” equal to 2.5% of risk weighted assets above the minimum capital ratios for capital adequacy must now be considered before payment of certain executive compensation or distributions to shareholders or stock repurchases are allowed. The amount of payout as a percentage of eligible retained income based on the amount of the capital conservation buffer is shown in the table below:
Capital Conservation Buffer Maximum Payout % of Eligible Retained Income
   
Less than or = .625%  0%
Less than or = 1.25% and greater than .625% 20%
Less than or = 1.875% and greater than 1.25% 40%
Less than or = 2.50% and greater than 1.875% 60%
Greater than 2.5% no payment limit applies

 

•Mortgage servicing rights and deferred tax assets are subject to more stringent limits and a 250% risk weighting.
•Delinquent loans and certain “high volatility” commercial real estate development loans are subject to a 150% risk weighting (up from 100% weighting previously).
•Unused commercial lines of credit or other commitments with an original maturity of one year or less are now subject to a 20% risk weighting (up from 0% risk weighting previously).

Our expected impact of the new regulatory capital framework is to increase risk weighted assets primarily from increased capital needs for past due asset exposures and unused loan commitments. Because we manage regulatory capital levels to remain above those to be considered well capitalized (rather than to simply to remain above those for capital adequacy) and because we intend to continue our historical cash dividend payments, our regulatory capital minimums, including the new capital conservation buffer, effectively become 7.0% minimum for common equity Tier 1 capital ratio (a new ratio), 6.5% for the Tier 1 leverage ratio (up from 5.0%), 8.5% for the Tier 1 risk weighted capital ratio (up from 6.0%), and 10.5% for the Tier 2 total risk weighted capital ratio (up from 10.0%). We continue to research the specific impacts on our regulatory capital levels and operations due to these changes but expect to remain significantly above these new ratios upon implementation on January 1, 2015.

 

Another significant new requirement originating from these new capital rules is that capital “stress testing” will be required for all banking organizations, including PSB, with the level and complexity of analysis varying significantly based on asset size. For community banks such as PSB with total assets under $10 billion, stress testing must be conducted annually although specific timing, due dates, and disclosure of findings are still to be determined by regulation. The stress test must consider capital impacts over a two year planning horizon and estimate loan losses under stress scenarios with estimated impacts on earnings. Results of stress test scenarios could also impact our ability to pay shareholder dividends or conduct share repurchases even if regulatory capital levels were currently above well capitalized minimums and the capital conservation buffer.

 

Failure to meet capital guidelines could subject a bank or bank holding company to a variety of enforcement remedies, including issuance of a capital directive, the termination of deposit insurance by the FDIC, a prohibition on accepting brokered deposits, and certain other restrictions on its business. As described above, significant additional restrictions can be imposed on FDIC-insured depository institutions that fail to meet applicable capital requirements. See “Prompt Corrective Action” above.

 

The WDFI, the Federal Reserve Board, and the FDIC have authority to compel or restrict certain actions if our capital should fall below adequate capital standards as a result of operating losses, or if its regulators otherwise determine that it has insufficient capital. Among other matters, the corrective actions may include, removing officers and directors; and assessing civil monetary penalties; and taking possession of and closing and liquidating Peoples.

 

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Payment of Dividends

 

PSB is a legal entity separate and distinct from Peoples. The principal source of PSB’s cash flow, including cash flow to pay dividends to its shareholders, are dividends that Peoples State Bank pays to PSB as Peoples State Bank’s sole shareholder. Statutory and regulatory limitations apply to Peoples’ payment of dividends to PSB as well as to PSB’s payment of dividends to its shareholders. If, in the opinion of the FDIC or WDFI, Peoples State bank was engaged in or about to engage in an unsafe or unsound practice, the WDFI or FDIC could require that Peoples stop or refrain from engaging in the practice. The federal banking agencies have indicated that paying dividends that deplete a depository institution’s capital base to an inadequate level, would be an unsafe and unsound banking practice. In addition, as noted previously, new capital rules effective January 1, 2015 would prevent us from paying any cash dividends if regulatory capital ratios do not maintain at least some portion of the 2.5% capital conservation buffer above those minimum ratios required to be considered adequately capitalized.

 

Peoples is required by federal law to obtain prior approval of the WDFI for payment of dividends if the total of all dividends declared by Peoples in any year will exceed the total of its net profits for that year if, during any of the preceding two years, Peoples dividends also exceeded the total of net profits during that preceding year. The payment of dividends by PSB and Peoples may also be affected by other factors, such as the requirement to maintain adequate capital above regulatory guidelines, any conditions or restrictions that may be imposed by regulatory authorities in connection with their approval of a merger, or the requirements of any written agreements that either PSB or Peoples may enter into with their respective regulatory authorities.

 

Furthermore, the Federal Reserve Board clarified its guidance on dividend policies for bank holding companies through the publication of a Supervisory Letter, dated February 24, 2009. As part of the letter, the Federal Reserve Board encouraged bank holding companies to consult with the Federal Reserve Board prior to dividend declarations and redemption and repurchase decisions even when not explicitly required to do so by federal regulations. This guidance is largely consistent with prior regulatory statements encouraging bank holding companies to pay dividends out of net income and to avoid dividends that could adversely affect the capital needs or minimum regulatory capital ratios of the bank holding company and its subsidiary bank.

 

Any future determination relating to PSB’s dividend policy will be made at the discretion of the Board of Directors and will depend on many of the statutory and regulatory factors mentioned above.

 

Restrictions on Transactions with Affiliates

 

PSB and Peoples are subject to the provisions of Section 23A of the Federal Reserve Act. Section 23A places limits on the amount of:

 

•a bank’s loans or extensions of credit to affiliates;
•a bank’s investment in affiliates;
•assets a bank may purchase from affiliates, except for real and personal property exempted by the Federal Reserve Board;
•loans or extensions of credit to third parties collateralized by the securities or obligations of affiliates; and
•a bank’s guarantee, acceptance, or letter of credit issued on behalf of an affiliate.

The total amount of the above transactions is limited in amount, as to any one affiliate, to 10% of a bank’s capital and surplus and, as to all affiliates combined, to 20% of a bank’s capital and surplus. In addition to the limitation on the amount of these transactions, each of the above transactions must also meet specified collateral requirements. Peoples must also comply with other provisions designed to avoid taking low-quality assets.

 

PSB and Peoples are also subject to the provisions of Section 23B of the Federal Reserve Act which, among other things, prohibit an institution from engaging in the above transactions with affiliates unless the transactions are on terms substantially the same, or at least as favorable to the institution or its subsidiaries, as those prevailing at the time for comparable transactions with nonaffiliated companies.

 

The Dodd-Frank Act enhances the requirements for certain transactions with affiliates under Section 23A and 23B, including an expansion of the definition of “covered transactions” and increasing the amount of time for which collateral requirements regarding covered transactions must be maintained.

 

Peoples is also subject to restrictions on extensions of credit to its executive officers, directors, principal shareholders, and their related interests. These extensions of credit (1) must be made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with third parties, and (2) must not involve more than the normal risk of repayment or present other unfavorable features. Effective July 21, 2011, an insured depository institution will be prohibited from engaging in asset purchases or sales transactions with its officers, directors, or principal shareholders unless (1) the transaction is on market terms and, (2) if the transaction represents greater than 10% of the capital and surplus of the bank, a majority of the disinterested directors has approved the transaction.

 

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Limitations on Senior Executive Compensation

 

In June of 2010, federal banking regulators issued guidance designed to help ensure that incentive compensation policies at banking organizations do not encourage excessive risk-taking or undermine the safety and soundness of the organization. In connection with this guidance, the regulatory agencies announced that they will review incentive compensation arrangements as part of the regular, risk-focused supervisory process. Regulatory authorities may also take enforcement action against a banking organization if (1) its incentive compensation arrangement or related risk management, control, or governance processes pose a risk to the safety and soundness of the organization and (2) the organization is not taking prompt and effective measures to correct the deficiencies. To ensure that incentive compensation arrangements do not undermine safety and soundness at insured depository institutions, the incentive compensation guidance sets forth the following key principles:

 

•incentive compensation arrangements should provide employees incentives that appropriately balance risk and financial results in a manner that does not encourage employees to expose the organization to imprudent risk;
•incentive compensation arrangements should be compatible with effective controls and risk management; and
•incentive compensation arrangements should be supported by strong corporate governance, including active and effective oversight by the board of directors.

As noted previously, new rules effective January 1, 2015 will also limit certain executive compensation involving discretionary bonus payments if regulatory capital ratios do not maintain at least some portion of the 2.5% capital conservation buffer above those minimum ratios required to be considered adequately capitalized.

 

Proposed Legislation and Regulatory Action

 

New regulations and statutes are regularly proposed that contain wide-ranging proposals for altering the structures, regulations, and competitive relationships of financial institutions operating and doing business in the United States. We cannot predict whether or in what form any proposed regulation or statute will be adopted or the extent to which its business may be affected by any new regulation or statute.

 

Effect of Governmental Monetary Policies

 

Our earnings are affected by domestic economic conditions and the monetary and fiscal policies of the United States government and its agencies. The Federal Reserve Board’s monetary policies have had, and are likely to continue to have, an important impact on the operating results of commercial banks through its power to implement national monetary policy in order, among other things, to curb inflation or combat a recession. The monetary policies of the Federal Reserve Board affect the levels of bank loans, investments, and deposits through its control over the issuance of United States government securities, its regulation of the discount rate applicable to member banks, and its influence over reserve requirements to which member banks are subject. We cannot predict the nature or impact of future changes in monetary and fiscal policies.

 

Our Participation in Federal Government Support Programs Targeted to the Banking Industry

 

Beginning in 2008, the banking industry experienced dramatic governmental intervention in an effort to support the capital needs of certain large banks, to spur growth in bank lending, and to increase consumer and business confidence in the banking industry through passage of the Troubled Asset Relief Program (“TARP”). TARP provided various support to the industry, some available to all banks, and some available to specific large institutions deemed to require exceptional assistance. Through programs generally available to all banks, TARP increased the insurance limit on certain deposit accounts and provided an FDIC guarantee for certain debt issued by banks and bank holding companies through the Temporary Liquidity Guarantee Program (“TLGP”), and invested government funds into some banks in the form of preferred stock through the Capital Purchase Program (“CPP”), among other actions. During 2009, our application to receive TARP CPP capital from the U.S. Treasury was approved. However, we declined participation due to concern such capital would be perceived by customers or prospects as a bailout due to negative perceptions of many of larger national banks receiving such funds. PSB also retained the right to issue unsecured capital notes with FDIC guarantees under the TLGP program, but did not exercise this right or issue such unsecured notes.

 

Peoples was a participant in the TLGP Program within the Transaction Account Guarantee (“TAG”) Program of TLGP and continued participation in the Program through December 31, 2012 as required by Dodd-Frank. The TAG program expired following December 31, 2012. Under the program, customers in noninterest bearing demand accounts were fully 100% guaranteed against loss by the FDIC.

 

In December 2010, the U.S. Treasury introduced a new small bank capital program known as the “Small Business Lending Fund (SBLF)” established by the Small Business Jobs Act with funding up to $30 billion in an effort to spur small business lending. Under the program, only available to well performing banks less than $10 billion in assets such as Peoples, banks may issue preferred stock to the U.S. Treasury with a variable dividend rate that could later be fixed as low as 1% depending on the level of small business lending growth during the first 10 quarters following issuance of the preferred stock. The preferred stock dividend later resets to 9% on the 4 ½ year anniversary of the preferred stock issue until repaid. Although our application for SBLF capital was approved by the Treasury, we declined participation in the program due to low projected local loan growth demand and significant limitations on use of the SBLF capital for purposes other than small business loan growth.

 

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Item 1A. RISK FACTORS.

 

Forward-Looking Statements

 

This Annual Report on Form 10-K, including “Management's Discussion and Analysis of Financial Condition and Results of Operations” in Item 7, contains forward-looking statements that involve risks, uncertainties, and assumptions. Forward-looking statements are not guarantees of performance. If the risks or uncertainties ever materialize or the assumptions prove incorrect, the results of PSB Holdings, Inc. and its consolidated subsidiaries (hereinafter referred to as “PSB,” or “Peoples” or “we,” or “our,” or “us”) may differ materially from those expressed or implied by such forward-looking statements and assumptions. All statements other than statements of historical fact are statements that could be deemed forward-looking statements. Forward-looking statements may be identified by, among other things, expressions of beliefs or expectations that certain events may occur or are anticipated, and projections or statements of expectations. Risks, uncertainties, and assumptions relating to forward-looking statements include, among other things, actions or changes by competitors in our markets that put us at a competitive disadvantage, public perception of economic prospects and the banking industry, failure to comply with or changes in government regulations, changes in interest rates, deterioration of the credit quality of our loan portfolio, the adequacy of our allowance for loan losses, exposure to small and mid-size business credits, inadequate liquidity, disruptions in the financial markets, inability to operate profitably because of competition, the inability to execute expansion plans, changes in economic conditions within our market area, increased deposit insurance costs due to an increase in failure of FDIC insured banks, the potential of dilutive common stock issues due to increased regulatory capital minimums, the inability to implement required technologies, problems in the operation of our information technology systems, the inability of our principal subsidiary to pay dividends, potential credit risk associated with our large investment in debt issued by federal, state, and local municipalities, environmental and fraud risk associated with our credit arrangements with customers, increased funding costs, changes in customers’ preferences for types and sources of financial services, loss of key personnel, the rights of debt holders senior to common shareholders upon liquidation, lack of FDIC insurance available to common shareholders over their investment in our common stock, failure to maintain and enforce adequate internal controls, unforeseen liabilities arising from current or prospective claims or litigation, lack of marketability of our common or other equity stock, the effect of certain organizational anti-takeover provisions, changes in accounting principles and tax laws, and unexpected disruptions in our business. These and other risks, uncertainties, and assumptions are described under the caption “Risk Factors” in Item 1A of this Annual Report on Form 10-K and from time to time in our other filings with the Securities and Exchange Commission after the date of this report. We assume no obligation, and do not intend, to update these forward-looking statements.

 

An investment in PSB Holdings, Inc. common stock involves a significant degree of risk. The following paragraphs describe what we believe are the most significant risks of investing in PSB common stock. Additional risks and uncertainties not presently known to us, or that we currently deem immaterial, may also impair our business operations. We cannot assure you that any of the events discussed in the risk factors below will not occur. If they do, our business, financial condition or results of operations could be materially and adversely affected.

 

The impact of the current economic environment on performance of other financial institutions in our markets; actions taken by our competitors to address continued slow economic conditions; and public perception of and confidence in the economy generally, and the banking industry specifically, may present significant challenges for us and could adversely affect our performance.

 

We operate in a challenging and uncertain economic environment, including generally uncertain national conditions and slow local conditions in our primary markets. Financial institutions continue to be affected by depressed valuations in real estate markets and community banks are faced with constrained financial and capital markets. While we take steps to decrease and limit our exposure to certain types of loans secured by commercial real estate collateral, we nonetheless retain direct exposure to the real estate markets, and are affected by these events. Continued declines in real estate values and financial stress on borrowers as a result of the uncertain economic environment, including job losses, could have an adverse effect on our borrowers or their customers, which could adversely affect our financial condition and results of operations.

 

In addition, the market value of the real estate securing our loans as collateral has been adversely affected by the slowing economy and unfavorable changes in economic conditions in our market areas and could be further adversely affected in the future. As of December 31, 2013, approximately 46% of our loans were secured by commercial-based real estate and 36% of our loans receivable were secured by residential real estate. Any sustained period of increased payment delinquencies, foreclosures, or losses caused by the adverse market and economic conditions, including the downturn in the real estate market, within our markets will continue to adversely affect the value of our assets, revenues, results of operations, and financial condition.

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The overall deterioration in economic conditions may subject us to increasing regulatory scrutiny. In addition, further deterioration in national economic conditions or the economic conditions in our local markets could drive losses beyond the amount provided for in our allowance for loan losses, resulting in the following other consequences: increased loan delinquencies, problem assets, and foreclosures; decline in demand for our products and services; decrease in deposits, adversely affecting our liquidity position; and decline in value of collateral, reducing our customers’ borrowing power and the value of assets and collateral associated with our existing loans. These consequences could also result in decreased earnings or a decline in the market value of our common stock. As a community bank, we are less able to spread the risk of unfavorable economic conditions than larger national or regional banks. Moreover, we cannot give any assurance that we will benefit from any market growth or favorable economic conditions in our primary market areas even if they do occur.

 

We are subject to extensive regulation that could limit or restrict our activities.

 

We operate in a highly regulated industry and are subject to examination, supervision, and comprehensive regulation by various regulatory agencies. Our compliance with these regulations, including compliance with our regulatory commitments, is costly and may restrict certain of our activities, including the declaration and payment of cash dividends to stockholders, mergers and acquisitions, investments, loans and interest rates charged, interest rates paid on deposits, and locations of offices. We are also subject to capitalization guidelines established by our regulators, which require us to maintain adequate capital to support our growth and operations.

 

The laws and regulations applicable to the banking industry have recently changed and may continue to change, and we cannot predict the effects of these changes on our business and profitability. Because government regulation greatly affects the business and financial results of all commercial banks and bank holding companies, the cost of compliance could adversely affect our ability to operate profitably. The Dodd-Frank Act was enacted on July 21, 2010. The full implications of the Dodd-Frank Act, or its implementing regulations, on our business are unclear at this time, but it may adversely affect our business, results of operations, and the underlying value of our stock. New regulatory capital rules called for by Dodd-Frank become effective for us on January 1, 2015 and are expected to decrease our regulatory capital ratios upon implementation, which could impact our ability to grow via merger and acquisition activities. The full effect of this legislation will not be even reasonably certain until all implementing regulations are promulgated, which could take several years in some cases.

 

To be considered “well capitalized” by banking regulatory agencies, we are subject to minimum capital levels defined by banking regulation that are based on total assets and risk adjusted assets. This highest regulatory capital designation is required to unilaterally participate in the brokered certificate of deposit market. In addition, being considered well capitalized is a key component of risk classification used by the Federal Home Loan Bank (“FHLB”) and the Federal Reserve concerning the amount of credit available to us and the type and amount of collateral required against such advances. Maintaining well capitalized status is also required by the covenants of our holding company line of credit. Failure to retain the well capitalized regulatory designation would both limit the availability of, and increase the cost of wholesale funding, which has been an important source of funding for growth. In addition, banks not considered to be well capitalized are subject to a cap on interest rates paid to depositors as published by the FDIC. Such depositor interest rate caps could impede our ability to raise local deposits to replace wholesale funding sources no longer available if we were not considered to be well capitalized which could have a material adverse effect on our business, liquidity, financial condition, and results of operations.

 

Some or all of the changes, including the new rulemaking authority granted to the newly-created Consumer Financial Protection Bureau, may result in greater reporting requirements, assessment fees, operational restrictions, capital requirements, and other regulatory burdens for us while many of our competitors that are not banks or bank holding companies may remain free from such limitations. This could affect our ability to attract and maintain depositors, to offer competitive products and services, and to expand our business. Congress may consider additional proposals to substantially change the financial institution regulatory system and to expand or contract the powers of banking institutions and bank holding companies. Such legislation may change existing banking statutes and regulations, as well as the current operating environment significantly. If enacted, such legislation could increase or decrease the cost of doing business, limit or expand our permissible activities, or affect the competitive balance among banks, savings associations, credit unions, and other financial institutions. We cannot predict whether new legislation will be enacted and, if enacted, the effect that it, or any regulations, would have on our business, financial condition, or results of operations.

 

Our financial condition and results of operations are affected by credit policies of monetary authorities, particularly the Federal Reserve. Actions by monetary and fiscal authorities, including the Federal Reserve, could have an adverse effect on our deposit levels, loan demand, stock price, ability to pay dividends, business or earnings. See “Regulation and Supervision” earlier in this Annual Report on Form 10-K.

 

Changes in the interest rate environment could reduce our net interest income, which could reduce our profitability.

 

As a financial institution, our earnings significantly depend on net interest income, which is the difference between the interest income that we earn on interest-earning assets, such as investment securities and loans, and the interest expense that we pay on interest-bearing liabilities, such as deposits and borrowings. Therefore, any change in general market interest rates, including changes in federal fiscal and monetary policies, affects us more than non-financial institutions and can have a significant effect on our net interest income and total income. Our assets and liabilities may react differently to changes in overall market rates or conditions because there may be mismatches between the repricing or maturity characteristics of the assets and liabilities. As a result, an increase or decrease in market interest rates could have material adverse effects on our net interest margin and results of operations.

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In addition, we cannot predict whether interest rates will continue to remain at present levels. Changes in interest rates may cause significant changes, up or down, in our net interest income. Depending on our portfolio of loans and investments, our results of operations may be adversely affected by changes in interest rates. If there is a substantial increase in interest rates, our investment portfolio is at risk of experiencing price declines that may negatively impact our total capital position through changes in other comprehensive income. During a rising rate period, it is likely our funding costs would reprice to new rates more quickly than our fixed rate loan portfolio. In addition, any significant increase in prevailing interest rates could adversely affect our mortgage banking business because higher interest rates could cause customers to request fewer refinancings and purchase money mortgage originations.

 

Management uses simulation analysis to produce an estimate of interest rate exposure based on assumptions and judgments related to balance sheet growth, new products, and pricing. Simulation analysis involves a high degree of subjectivity and requires estimates of future risks and trends. Accordingly, there can be no assurance that actual results will not differ from those derived in simulation analysis due to the timing, magnitude, and frequency of interest rate changes, changes in balance sheet composition, and the possible effects of unanticipated or unknown events. Although management believes it has implemented effective asset and liability management strategies to reduce the potential effects of changes in interest rates on our results of operations, any substantial, unexpected, and/or prolonged change in market interest rates could have a material adverse effect on our financial condition and results of operations.

 

We are subject to credit risk and changes in the allowance for loan losses could adversely affect our profitability.

 

Our success depends to a significant extent upon the quality of our assets, particularly loans. In originating loans, there is a substantial likelihood that we will experience credit losses. The risk of loss will vary with, among other things, general economic conditions, the type of loan, the creditworthiness of the borrower over the term of the loan, and, in the case of a collateralized loan, the quality of the collateral for the loan.

 

We provide credit services within our local communities. Our ability to diversify our economic risks is limited by our own local markets and economies. We lend primarily to individuals and small to medium-sized businesses, which may expose us to greater lending risks than those of banks lending to larger, better-capitalized businesses with longer operating histories. We manage our credit exposure through careful monitoring of loan applicants and loan concentrations in particular industries, and through loan approval and review procedures.

 

Our loan customers may not repay their loans according to the terms of these loans, and the collateral securing the payment of these loans may be insufficient to assure repayment. As a result, we may experience significant loan losses, which could have a material adverse effect on our operating results. Management makes various assumptions and judgments about the collectability of our loan portfolio, including the creditworthiness of our borrowers and the value of the real estate and other assets serving as collateral for the repayment of many of our loans. We maintain an allowance for loan losses in an attempt to cover any loan losses that may occur. In determining the size of the allowance, we rely on an analysis of our loan portfolio based on historical loss experience, volume and types of loans, trends in classification, volume and trends in delinquencies and non-accruals, national and local economic conditions, and other pertinent information.

 

If management’s assumptions are wrong, our current allowance may not be sufficient to cover future loan losses, and we may need to make adjustments to allow for different economic conditions or adverse developments in our loan portfolio. Material additions to our allowance would materially decrease our net income. We expect our allowance to continue to fluctuate; however, given current and future market conditions, we can make no assurance that our allowance will be adequate to cover future loan losses.

 

In addition, federal and state regulators periodically review our allowance for loan losses and may require us to increase our provision for loan losses or recognize further loan charge-offs, based on judgments different than those of our management. Any increase in our allowance for loan losses or loan charge-offs as required by these regulators could have a negative effect on our operating results.

 

We are subject to liquidity risk in our operations.

 

Liquidity risk is the possibility of being unable, at a reasonable cost and within acceptable risk tolerances, to pay obligations as they come due, to capitalize on growth opportunities as they arise, or to pay regular dividends because of an inability to liquidate assets or obtain adequate funding on a timely basis. Liquidity is required to fund various obligations, including credit obligations to borrowers, mortgage originations, withdrawals by depositors, repayment of debt, dividends to stockholders, operating expenses, and capital expenditures. Liquidity is derived primarily from retail deposit growth and retention, principal and interest payments received on loans and investment securities, net cash provided from operations, and access to other funding sources. Our access to funding sources in amounts adequate to finance our activities could be impaired by factors that affect us specifically or the financial services industry in general. Factors that could detrimentally affect our access to liquidity sources include a decrease in the level of our business activity due to a market downturn or adverse regulatory action. Our ability to borrow could also be impaired by factors that are not specific to us, such as a severe disruption in the financial markets or negative views and expectations about the prospects for the financial services industry as a whole, such as the turmoil faced by banking organizations in the domestic and worldwide credit markets during 2008 through 2010. Currently, we have access to liquidity to meet our current anticipated needs; however, our access to additional borrowed funds could become limited in the future, and we may be required to pay above market rates for additional borrowed funds, if we are able to obtain them at all, which may adversely affect our results of operations.

 

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Competition in the banking industry is intense and we face strong competition from larger, more established competitors.

 

The banking business is highly competitive, and we experience strong competition from many other financial institutions. We compete with commercial banks, credit unions, savings and loan associations, mortgage banking firms, consumer finance companies, securities brokerage firms, insurance companies, money market funds, and other financial institutions that operate in our primary market areas and elsewhere.

 

We compete with these institutions both in attracting depositors and in making loans. In addition, we have to attract our customer base from other existing financial institutions and from new residents. Many of our competitors are well-established, much larger financial institutions. While we believe we can successfully compete with these other financial institutions in our markets, we may face a competitive disadvantage as compared to large national or regional banks as a result of our smaller size and lack of geographic diversification.

 

Although we compete by concentrating our marketing efforts in our primary market area with local advertisements, personal contacts, and greater flexibility in working with local customers, we can give no assurance that this strategy will be successful.

 

Potential acquisitions may disrupt our business and dilute shareholder value.

 

Acquiring other banks, businesses, or branches involves various risks commonly associated with acquisitions, including, among other things:

 

•potential exposure to unknown or contingent liabilities of the acquired company;
•exposure to potential asset quality issues of the acquired company;
•difficulty and expense of integrating the operations and personnel of the acquired company;
•potential disruption to our business;
•potential diversion of our management’s time and attention;
•the possible loss of key employees and customers of the acquired company;
•difficulty in estimating the value (including goodwill) of the acquired company;
•difficulty in estimating the fair value of acquired assets, liabilities, and derivatives of the acquired company; and
•potential changes in banking or tax laws or regulations that may affect the acquired company.

 

We may evaluate merger and acquisition opportunities and conduct due diligence activities related to possible transactions with other financial institutions and financial services companies. As a result, future mergers or acquisitions involving cash, or debt or equity securities may occur at any time. Acquisitions typically involve the payment of a premium over book and market values, and, therefore, some dilution of our tangible book value and net income per common share may occur in connection with any future transaction. Furthermore, failure to realize the expected revenue increases, cost savings, increases in geographic or product presence, and/or other projected benefits from an acquisition could have a material adverse effect on our financial condition and results of operations.

 

Our success depends upon local and regional economic conditions.

 

The core industries in our market area are healthcare, building supplies, industrial fans, education, retail distribution, paper, insurance, and tourism. Our success depends primarily on economic conditions in the markets in which we operate due to concentrations of loans and other business activities in geographic areas where our branches are principally located. In addition, the residential and commercial real estate markets throughout these areas depend primarily on the strength of these core industries.

 

The regional economic conditions in areas in which we conduct our business have an impact on the demand for our products and services as well as the ability of our customers to repay loans, the value of the collateral securing loans and the stability of our deposit funding sources. A significant decline in general economic conditions caused by inflation, recession, an act of terrorism, outbreak of hostilities or other international or domestic occurrences, unemployment, changes in securities markets, or other factors, such as severe declines in the value of homes and other real estate, could also impact these regional economies and, in turn, have a material adverse effect on our financial condition and results of operations. A material decline in any of the core industries in our market area will affect the communities we serve and could negatively impact our financial results and have a negative impact on profitability.

 

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The FDIC Deposit Insurance assessments that we are required to pay may materially increase in the future, which would have an adverse effect on our earnings.

 

As a member institution of the FDIC, we are assessed a quarterly deposit insurance premium. Failed banks nationwide have significantly depleted the insurance fund and reduced the ratio of reserves to insured depositors. As a result, we may be required to pay significantly higher premiums or additional special assessments that could adversely affect our earnings.

 

On October 19, 2010, the FDIC adopted a Deposit Insurance Fund (“DIF”) Restoration Plan, which requires the DIF to attain a 1.35% reserve ratio by September 30, 2020. In addition, the FDIC modified the method by which assessments are determined and, effective April 1, 2011, adjusted assessment rates, which will range from 2.5 to 45 basis points (annualized), subject to adjustments for unsecured debt and, in the case of small institutions outside the lowest risk category and certain large and highly complex institutions, brokered deposits. Further increased FDIC assessment premiums, due to a change in our risk classification, emergency assessments, or implementation of the modified DIF reserve ratio, could adversely impact our earnings.

 

We may need to raise additional capital in the future for several factors, including through the increased minimum capital thresholds effective January 1, 2015 established by our regulators as part of their implementation of the Dodd-Frank Act, but that capital may not be available when it is needed or may be dilutive to our shareholders.

 

We are required by federal and state regulatory authorities to maintain adequate capital levels to support our operations. New regulations implementing the Dodd-Frank Act capital standards require financial institutions to maintain higher minimum capital rations and place a greater emphasis on common equity as a component of Tier 1 capital. In order to support our operations and comply with regulatory standards, we may need to raise capital in the future. Our ability to raise additional capital will depend on conditions in the capital markets at that time, which are outside our control, and on our financial performance. Accordingly, we cannot assure you of our ability to raise additional capital, if needed, on favorable terms. The capital and credit markets have experienced significant volatility in recent years. In some cases, the markets have produced downward pressure on stock prices and credit availability for certain issuers without regard to those issuers’ underlying financial strength. If current levels of volatility occur, our ability to raise additional capital may be disrupted. If we cannot raise additional capital when needed, our results of operations and financial condition may be adversely affected, and our banking regulators may subject us to regulatory enforcement action, including receivership. In addition, the issuance of additional shares of our equity securities under these adverse conditions would dilute the economic ownership interest of our common shareholders.

 

We continually encounter technological change and we may have fewer resources than our competition to continue to invest in technological improvements; our information systems may experience an interruption or breach in security.

 

The banking and financial services industry is undergoing rapid technological changes, with frequent introductions of new technology-driven products and services. In addition to better serving customers, the effective use of technology increases efficiency and enables financial institutions to reduce costs. Our future success will depend, in part, upon our ability to address the needs of our customers by using technology to provide products and services that enhance customer convenience, as well as create additional efficiencies in operations. Many of our competitors have greater resources to invest in technological improvements, and we may not be able to effectively implement new technology-driving products and services, which could reduce our ability to effectively compete.

 

In addition, we rely heavily on communications and information systems to conduct our business. Any failure, interruption or breach in security of these systems could result in failures or disruptions in customer relationship management, general ledger, deposit, loan functionality and the effective operation of other systems. While we have policies and procedures designed to prevent or limit the effect of a failure, interruption or security breach of our information systems, there can be no assurance that any such failures, interruptions or security breaches will not occur or, if they do occur, that they will be adequately addressed. The occurrence of any failures, interruptions or security breaches of our information systems could damage our reputation, result in a loss of customer business, subject us to additional regulatory scrutiny, or expose us to civil litigation and possible financial liability, any of which could have a material adverse effect on our financial condition and results of operations.

 

We rely on dividends from our Peoples State Bank subsidiary for virtually all of our funds.

 

PSB is a legal entity separate and distinct from its subsidiary, Peoples State Bank. PSB receives substantially all of its cash flow from dividends from Peoples State Bank. These dividends are PSB’s principal source of funds to pay interest and principal on its debt and dividends on its common stock. Various laws and regulations limit the amount of dividends that Peoples State Bank may pay to PSB. Also, PSB’s right to participate in a distribution of assets upon Peoples State Bank’s liquidation or reorganization is subject to the prior claims of the subsidiary’s creditors. In the event Peoples State Bank is unable to pay dividends to PSB, PSB may not be able to service its debt, pay its other obligations, or pay dividends on its common stock. The inability to receive dividends from Peoples State Bank could have a material adverse effect on PSB’s financial condition and results of operations.

 

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Investments in debt issued by government-sponsored agencies subject us to risk from government action and legal changes.

 

Peoples State Bank invests a portion of its assets in obligations of the Federal Home Loan Bank (FHLB), Federal National Mortgage Association (FNMA, or “Fannie Mae”), Federal Home Loan Mortgage Corporation (FHLMC, or “Freddie Mac”), and other U.S. government-sponsored entities; as well as state, county, and municipal obligations, and federal funds sold.  While the FHLB, FNMA, and FHLMC are U.S. government-sponsored agencies, investments in these securities are not guaranteed by the U.S. Government.  The investments are purchased and held in relation to our loan demand and deposit growth and are generally used to provide for the investment of excess funds at reduced yields and risks, relative to yields and risks of the loan portfolio. The investments may also provide liquidity to fund increases in loan demand or to offset fluctuations in deposits. If the financial performance of one of the U.S. government-sponsored agencies, or state, county, or municipal entities declines, it could have a negative economic impact on our business and expose us to credit losses.

 

We rely on the accuracy and completeness of information about customers and counterparties, and inaccurate or incomplete information could negatively impact our financial condition and results of operations.

 

In deciding whether to extend credit or enter into other transactions with customers and counterparties, Peoples State Bank may rely on information provided by such customers and counterparties, including financial statements and other financial information. It may also rely on representations of customers and counterparties as to the accuracy and completeness of that information and, with respect to financial statements, on reports of independent auditors. Our financial condition and results of operations could be negatively impacted to the extent Peoples State Bank relies on financial statements that do not comply with generally accepted accounting principles or that are inaccurate or misleading.

 

Our funding costs may increase if consumers decide not to use banks as their primary source to invest liquid or other personal assets.

 

While the banking industry has historically held a majority of available deposits, generational factors and trends in using other non-banking providers for investment of funds may reduce the level of deposits available to fund banking assets and increase the cost of funding over the long term. Demographic trends in the United States point to a growing transfer of wealth to the next generation in the following decades that could accelerate this transfer of wealth out of the banking system and into other non-banking providers. If this change occurs, our funding costs could increase and adversely affect our results of operations.

 

During recent years, the banking industry has seen a large increase in deposits as consumers sought to increase liquidity and reduce investment risk. When consumer confidence in the economy grows, it is likely much of these increased deposits will be withdrawn for reinvestment in equity securities or for purchase of increased goods and services supported by a stronger economy, reducing our liquidity or increasing our deposit costs.

 

We may lose fee income and deposits if a significant portion of consumers decide not to use banks to complete their financial transactions.

 

Technology and other changes are allowing parties to complete financial transactions that historically have involved banks at one or both ends of the transaction. For example, consumers can now pay bills and transfer funds directly without banks. In addition, regulation now allows retail merchants to accept payment on in-store debit or credit cards in an effort to reduce bank interchange income. The process of eliminating banks as intermediaries could result in the loss of fee income, as well as the loss of customer deposits and income generated from investment of those deposits.

 

We may not be able to attract and retain skilled people.

 

Our success depends, in large part, on our ability to attract and retain key people. Competition for the best people can be intense and we may not be able to hire or retain the people we want or need. Although we maintain employment agreements with certain key employees, and have incentive compensation plans aimed, in part, at long-term employee retention, the unexpected loss of services of one or more of our key personnel could still occur, and such events may have a material adverse impact on our business because of the loss of the employee’s skills, customer contacts, technical knowledge, knowledge of our market, years of industry experience, and the difficulty of promptly finding qualified replacement personnel.

 

Holders of our subordinated debentures have rights that are senior to those of our common stockholders.

 

We have supported our continued growth by issuing trust preferred securities and accompanying junior subordinated debentures, as well as senior subordinated notes. As of December 31, 2013, we had outstanding trust preferred securities and associated junior subordinated debentures with aggregate principal of $7.7 million, senior subordinated notes of $4 million, and a correspondent bank term senior note of $1.5 million.

 

We have unconditionally guaranteed the payment of principal and interest on our trust preferred securities. Also, the junior debentures issued to the special purpose trusts that relate to those trust preferred securities, as well as the senior subordinated notes outstanding, are senior to our common stock. As a result, we must make payments on the senior subordinated notes and junior subordinated debentures before we can pay any dividends on our common stock, and in the event of our bankruptcy, dissolution or liquidation, holders of our senior subordinated notes and junior subordinated debentures must be satisfied before any distributions can be made on our common stock. We do have the right to defer distributions on our junior subordinated debentures (and related trust preferred securities) for up to five years, but during that time would not be able to pay dividends on our common or preferred stock.

 

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Ownership of our common stock securities is not FDIC insured.

 

Our securities are not savings or deposit accounts or other obligations of Peoples State Bank and are not insured by the Deposit Insurance Fund, or any other agency or private entity and are subject to investment risk, including the possible loss of some or all of the value of your investment.

 

We are subject to operational risk, and our internal controls and procedures may fail or be circumvented.

 

We, like all businesses, are subject to operational risk, which represents the risk of loss resulting from human error, inadequate or failed internal processes and systems, and external events. Operational risk also encompasses compliance (legal) risk, which is the risk of loss from violations of, or noncompliance with, laws, rules, regulations, prescribed practices, or ethical standards. Management regularly reviews and updates our internal controls, disclosure controls and procedures, and corporate governance policies and procedures. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the objectives of the system are met. Although we seek to mitigate operational risk through a system of internal controls, resulting losses from operational risk could take the form of explicit charges, increased operational costs, harm to our reputation, or foregone opportunities, any and all of which could have a material adverse effect on our financial condition and results of operations.

 

Unexpected liabilities resulting from current or future claims or contingencies may have a material adverse effect on our business, financial condition, and results of operations.

 

We may be involved from time to time in a variety of litigation arising out of our business. Our insurance may not cover all claims that may be asserted against us, regardless of merit or eventual outcome, and such claims may harm our reputation. In addition, we may not be able to obtain appropriate types or levels of insurance in the future, nor may we be able to obtain adequate replacement policies with acceptable terms, if at all. Should the ultimate judgments or settlements in any actual or threatened claims or litigation exceed our insurance coverage, they could have a material adverse effect on our business, operating results, and financial condition.

 

Investors may not be able to liquidate their PSB common stock when desired because there is no active public trading market for PSB stock.

 

There is no active public established trading market for PSB stock. As a result, investors may not be able to resell shares at the price or time they desire. In addition, because our shares are thinly traded, there is oftentimes a significant spread between the “bid” and “ask” prices for our shares, typically ranging from 2% to 6% of the bid price. Lack of an active market and other factors limit, to some extent, our ability to raise capital by selling additional shares of our stock.

 

Our articles of incorporation could make more difficult or discourage an acquisition of PSB.

 

Our articles of incorporation require the approval of two-thirds of all shares outstanding in order to effect a merger, share exchange, or other reorganization of PSB. This provision may discourage potential takeover attempts, discourage bids for our common stock at a premium over market price, or otherwise adversely affect the market price of our common stock.

 

Our earnings may be adversely affected by changes in accounting principles and in tax laws.

 

Changes in U.S. generally accepted accounting principles could have a significant adverse effect on our reported financial results. Although these changes may not have an economic impact on our business, they could affect our ability to attain targeted levels for certain performance measures, which could reduce our ability to meet existing financial covenants, obtain additional funding, or raise capital. We, like all businesses, are subject to tax laws, rules, and regulations. Changes to tax laws, rules, and regulations, including changes in the interpretation or implementation of tax laws, rules, and regulations by the Internal Revenue Service (the “IRS”) or other governmental bodies, could affect us in substantial and unpredictable ways. The Federal government could also choose to assess excise or other income related taxes targeted at the banking industry in response to widespread financial disruptions or perceived industry abuses that impacted taxpayers as a whole. Such changes could subject us to additional costs, among other things. Failure to appropriately comply with tax laws, rules, and regulations could result in sanctions by regulatory agencies, civil money penalties, and/or reputational damage, which could have a material adverse effect on our business, financial condition, and results of operations.

 

21

Severe weather, natural disasters, acts of war or terrorism, and other external events could significantly impact our business.

 

Severe weather, natural disasters, acts of war or terrorism, and other adverse external events could have a significant impact on our ability to conduct business. Such events could affect the stability of our deposit base, impair the ability of borrowers to repay outstanding loans, impair the value of collateral securing loans, cause significant property damage, result in loss of revenue, impair our ability to process or complete customer transactions, and/or cause us to incur additional expenses. Although management has established disaster recovery plans and procedures, the occurrence of any such event could have a material adverse effect on our business, financial condition, and results of operations.

 

 

Item 1B. UNRESOLVED STAFF COMMENTS.

 

Not applicable.

 

 

Item 2. PROPERTIES.

 

Our administrative offices are housed in the same building as Peoples State Bank’s primary customer service location at 1905 Stewart Avenue in Wausau, Wisconsin, which was constructed in 2004. Our other Wisconsin branch locations, in the order they were purchased or opened for business, include Rib Mountain, Wausau (Eastside), Eagle River (in the Trig’s grocery store), Rhinelander, Minocqua, Weston, and Marathon City. The branch in the Trig’s grocery store occupies leased space within the supermarket designed for community banking operations. We own the other seven locations without encumbrance, and these locations are occupied solely by us and are suitable for current operations.

 

Based on information filed with regulators by other banking organizations headquartered in Wisconsin with at least $100 million in total assets, the average age of our banking facilities is comparable with other banks. In addition, our average revenues and number of accounts per branch are similar to the state average, giving us adequate capacity for organic growth within existing markets reducing the need for significant further investment in existing facilities.

 

 

Item 3. LEGAL PROCEEDINGS.

 

We are subject to claims and litigation in the ordinary course of business, but we do not believe that any of these claims or litigation matters that are currently outstanding will have a material adverse effect on our consolidated financial position, results of operations, or liquidity.

 

 

Item 4. MINE SAFETY DISCLOSURES.

 

Not applicable.

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PART II

 

 

Item 5. MARKET FOR REGISTRANT’S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES.

 

Market

 

PSB common stock bid and ask prices are quoted on the OTC Markets Exchange and the OTC Bulletin Board under the stock symbol “PSBQ.” There is no active established public trading market in our common stock and transactions in the stock are limited and sporadic. Approximately 7% of average shares outstanding traded during 2013 compared to 10% during 2012 and 5% during 2011.

 

To preserve existing capital for growth, merger and acquisition activities, and new regulation which increases regulatory capital requirements, we do not regularly repurchase our shares of common stock on the open market. During 2013, we repurchased 10,030 shares of our common stock (0.6% of total average shares outstanding) at an average cost of $26.78 per share. During 2012, we repurchased 10,210 shares of our common stock at an average cost of $25.68 per share. We repurchased no common shares during 2011.

 

Holders

 

As of December 31, 2013, there were 814 holders of record of our common stock. Some of our shares are held in “street” name brokerage accounts and the number of beneficial owners of these shares is not known and therefore not included in the foregoing number.

 

Dividends

 

We have paid regular and increasing dividends since our inception in 1995. We expect to continue our practice of paying semi-annual dividends on our common stock, although the payment of future dividends will continue to depend upon our earnings, capital requirements, financial condition, and other factors. The principal source of funds for our payment of dividends is dividend income received from our bank subsidiary. When declared, dividends are paid to all stockholders, including employees holding shares of unvested restricted stock as described in Item 8, Note 19 of the Notes to Consolidated Financial Statements. Payment of dividends by Peoples State Bank to PSB Holdings, Inc. is subject to various limitations under banking laws and regulations. To maintain regulatory capital ratios above the minimums to be considered “well capitalized”, the maximum amount of dividends that could have been paid by Peoples State Bank at December 31, 2013, was approximately $22 million. Furthermore, any Bank dividend distributions to PSB above customary or historical levels are subject to approval by the FDIC, the Bank’s primary federal regulator, and the Wisconsin Department of Financial Institutions, the Bank’s state regulator.

 

Market Prices and Dividends

 

Price ranges of over-the-counter quotations and dividends declared per share on our common stock for the periods indicated are:

 

   2013 Prices  2012 Prices
Quarter  High  Low  Dividends  High  Low  Dividends
1st  $28.10   $25.25   $—   $24.29   $21.67   $— 
2nd  $29.60   $27.80   $0.39   $26.19   $23.81   $0.36 
3rd  $31.50   $29.40   $—   $28.75   $24.11   $— 
4th  $31.00   $29.75   $0.39   $27.55   $25.25   $0.38 

 

Prices detailed for the common stock represent the bid prices reported on the OTC Markets Exchange. The prices do not reflect retail mark-up, mark-down, or commissions, and may not necessarily represent actual transactions.

 

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Item 6. SELECTED FINANCIAL DATA.

 

Table 1: Earnings Summary and Selected Financial Data (dollars in thousands, except per share data)

 

Consolidated summary of earnings:               
Years ended December 31,  2013  2012  2011  2010  2009
                
Total interest income  $26,816   $27,244   $28,314   $29,665   $29,407 
Total interest expense   5,511    7,091    8,757    10,566    12,456 
                          
Net interest income   21,305    20,153    19,557    19,099    16,951 
Provision for loan losses   4,015    785    1,390    1,795    3,700 
                          
Net interest income after loan loss provision   17,290    19,368    18,167    17,304    13,251 
Total noninterest income   5,623    6,568    5,337    5,363    5,576 
Total noninterest expense   16,506    17,392    15,778    15,925    14,829 
                          
Net income before income taxes   6,407    8,544    7,726    6,742    3,998 
Provision for income taxes   1,663    2,535    2,421    1,988    882 
                          
Net income  $4,744   $6,009   $5,305   $4,754   $3,116 

 

 

Consolidated summary balance sheets:               
As of December 31,  2013  2012  2011  2010  2009
                
Cash and cash equivalents  $31,522   $48,847   $38,205   $40,331   $26,337 
Securities   133,279    145,209    108,677    108,379    106,185 
Total loans receivable, net of allowance   509,880    477,991    437,557    431,801    437,633 
Premises and equipment, net   9,669    10,240    9,928    10,464    10,283 
Cash surrender value of life insurance   12,826    11,813    11,406    10,899    10,489 
Other assets   14,365    17,866    17,094    19,219    15,927 
                          
Total assets  $711,541   $711,966   $622,867   $621,093   $606,854 
                          
                          
Total deposits  $577,514   $565,442   $481,509   $465,257   $458,731 
FHLB advances   38,049    50,124    50,124    57,434    58,159 
Other borrowings   20,441    20,728    19,691    31,511    28,410 
Senior subordinated notes   4,000    7,000    7,000    7,000    7,000 
Junior subordinated debentures   7,732    7,732    7,732    7,732    7,732 
Other liabilities   7,052    6,493    6,449    5,469    4,552 
Stockholders’ equity   56,753    54,447    50,362    46,690    42,270 
                          
Total liabilities and stockholders’ equity  $711,541   $711,966   $622,867   $621,093   $606,854 

 

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Performance ratios:  2013  2012  2011  2010  2009
                
Basic and diluted earnings per share  $2.87   $3.61   $3.21   $2.89   $1.90 
Common dividends declared per share  $0.78   $0.74   $0.71   $0.69   $0.67 
Dividend payout ratio   27.17%   20.75%   22.02%   23.73%   35.17%
Tangible net book value per share at year-end  $34.36   $32.93   $30.44   $28.43   $25.82 
Average common shares outstanding   1,652,700    1,663,147    1,652,861    1,642,469    1,637,249 
                          
Return on average stockholders’ equity   8.37%   11.33%   10.78%   10.59%   7.38%
Return on average assets   0.68%   0.91%   0.87%   0.79%   0.54%
Net interest margin (tax adjusted)   3.38%   3.41%   3.55%   3.51%   3.25%
Net loan charge-offs to average loans   0.92%   0.28%   0.32%   0.33%   0.37%
Noninterest income to average assets   0.81%   1.00%   0.88%   0.89%   0.96%
Noninterest income to tax adjusted net interest margin   25.25%   31.23%   26.29%   26.93%   31.31%
                          
Efficiency ratio (tax adjusted)   59.17%   63.02%   61.55%   63.01%   63.42%
Salaries and benefits expense to average assets   1.31%   1.39%   1.37%   1.40%   1.28%
Other expenses to average assets   1.07%   1.25%   1.23%   1.23%   1.27%
FTE employees at year-end   131    131    124    126    130 
Non-performing loans to gross loans at year-end   1.67%   2.20%   3.19%   2.60%   2.99%
Allowance for loan losses to loans at year-end   1.31%   1.53%   1.78%   1.81%   1.71%
Allowance for loan losses to non-performing loans   78.52%   69.55%   55.80%   69.62%   57.19%
Average common equity to average assets   8.16%   8.04%   8.11%   7.43%   7.27%
Non-performing assets to common equity and allowance                         
for loan losses at year-end   16.35%   20.13%   30.67%   29.99%   34.23%

 

 

Item 7. MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

 

Management’s discussion and analysis (“MD&A”) reviews significant factors with respect to our financial condition and results of our operations for each of the three years in the period ended December 31, 2013. The following MD&A concerning our operations is intended to satisfy three principal objectives:

 

•Provide a narrative explanation of our financial statements that enables investors to see the company through the eyes of management;
•Enhance the overall financial disclosure and provide the context within which our financial information should be analyzed; and,
•Provide information about the quality of, and potential variability of, our earnings and cash flow, so that investors can ascertain the likelihood that past performance is indicative of future performance.

Management’s discussion and analysis, like other portions of this Annual Report on Form 10-K, includes forward-looking statements that are provided to assist in the understanding of anticipated future financial performance. However, our anticipated future financial performance involves risks and uncertainties that may cause actual results to differ materially from those described in our forward-looking statements. A cautionary statement regarding forward-looking statements is set forth under the caption “Forward-Looking Statements” in Item 1A of this Annual Report on Form 10-K. This discussion and analysis should be considered in light of that cautionary statement.

 

This discussion should be read in conjunction with the consolidated financial statements, notes, tables, and the selected financial data presented elsewhere in this report. All figures are in thousands, except per share data and per employee data.

 

25

EXECUTIVE LEVEL OVERVIEW

 

Results of Operations

 

Earnings declined during 2013 to $2.87 per share (on net income of $4,744) compared to earnings of $3.61 per share (on net income of $6,009), a decrease of 21% per share. Earnings during 2013 and 2012 were significantly impacted by special items including a $3,340 credit write-down related to customer fraud during 2013 and nonrecurring income and expense from our acquisition of Marathon State Bank during 2012. As shown in Table 2, excluding non-recurring items and other gains and losses, proforma 2013 earnings per share would have been $3.91 (on proforma net income of $6,463), compared to proforma 2012 earnings of $3.48 per share (on proforma net income of $5,783), an increase of 12% per share. Increased 2013 proforma earnings were driven by increased net interest income on earning assets during 2013 compared to 2012.

 

During 2014, we expect net interest income to increase slightly compared to 2013 on slower loan growth with slightly lower net interest margin. In addition, the increase in long term interest rates during 2013 has significantly lowered residential mortgage refinance activity, and we project mortgage banking revenue to decline 25% to 30% during 2014 compared to 2013 which may cause total noninterest income to decline during 2014. Inflationary operating expense increases during 2014 are expected to be partially offset by a reduction in credit costs during 2014 compared to 2013 (even if the large 2013 fraud credit loss is disregarded). Taken together, 2014 earnings per share are expected to decline slightly from the proforma 2013 earnings per share of $3.91 before nonrecurring items as shown in Table 2.

 

During January 2014, we announced our agreement with The Baraboo National Bank to purchase their Rhinelander, Wisconsin branch along with its approximately $44 million in deposits and $22 million in performing loans. We expect this purchase to close during the quarter ended June 30, 2014. Due to approximately $500 in data conversion, employee severance, and other closing costs, this purchase is likely to decrease companywide 2014 net income as described in the preceding paragraph by approximately $200 after tax benefits. The extent of 2014 net income or loss from the acquisition will be impacted by the final closing date and our ability to realize projected branch cost savings.

 

Earnings reached a record high of $3.61 per share in 2012 (on net income of $6,009) compared to earnings of $3.21 per share in 2011 (on net income of $5,305), an increase of 13% per share. Earnings benefited significantly from the acquisition of Marathon in June 2012, and approximately $463, or 66%, of the 2012 increase in net income over 2011 was due to the purchase of Marathon. We recorded an $851 gain on bargain purchase of Marathon ($726 after tax effects), but also incurred $670 of data conversion expense and professional fees due to the merger ($498 after tax effects) during 2012. Excluding these non-recurring items associated with the Marathon acquisition and other items as shown in Table 2, proforma earnings per share would have been $3.48 per share during 2012 (on proforma net income of $5,783), an increase of 9% per share over proforma 2011 earnings of $3.19 per share (on proforma net income of $5,277).

 

Earnings reached a then record high of $3.21 per share in 2011 (on net income of $5,305) compared to earnings of $2.89 per share in 2010 (on net income of $4,754), an increase of 11% per share. There were no significant nonrecurring income or expense items during 2011 or 2010. During 2011, higher net interest margin increased tax equivalent net interest income $386, or 2%, while credit and foreclosure costs remained historically high at $2,587 compared to $2,644 during 2010. Noninterest and fee income during 2011 was largely unchanged compared to 2010, while operating expenses, excluding loss on foreclosed assets, declined $495, or 3%, from $277 lower FDIC insurance premium expense and $145 lower debit card losses following a significant fraud loss during 2010.

 

Credit Quality

 

During 2013, the total provision for loan losses and loss on foreclosed assets (“credit costs”) were $4,443, which included a $3,340 provision for loan losses due to the write down of a loan to a grain commodities dealer who was discovered to have misrepresented financial statements, inventory records, and federal warehouse receipts taken as collateral in an apparent fraud that impacted several banks. Total credit costs before the large grain loss were $1,103 compared to $1,358 during 2012. Total 2013 net loan charge-offs were .92% of average loans outstanding (.26% excluding the large grain charge-off) compared to .28% during 2012. During 2013, nonperforming assets declined $2,065, or 17%, led by a decline in restructured loans accruing interest while nonaccrual loans also declined slightly. Total nonperforming assets were $10,389, or 1.46%, of total assets at December 31, 2013 compared to $12,454, or 1.75%, of total assets at December 31, 2012.

 

During 2014, loss on foreclosed assets is expected to decline modestly due to projected lower write-down of foreclosed asset values compared to 2013, while the provision for loan losses is expected to remain at levels similar to 2013 (before recognition of the large grain loss). However, we continue to work through existing problem loans and foreclosed assets and expect higher levels of troubled debt restructured loans, which could increase nonperforming assets and credit and foreclosure costs greater than expected, negatively impacting 2014 net income.

 

During 2012, total credit costs of $1,358 declined $1,229, or 48% compared to 2011 due to recognition of fewer new problem loans, and lower holding costs and write-downs of foreclosed assets. The reduction in credit costs was a significant driver of increased net income during 2012. During 2012, total nonperforming assets declined $5,429, or 30%, due to favorable resolution of three problem credit relationships and sale of our largest foreclosed asset. Resolution of these four problem assets represented $5,375, or 99% of the net decline in total nonperforming assets during 2012 compared to 2011. Total nonperforming assets were $12,454, or 1.75% of total assets at December 31, 2012 compared to $17,883, or 2.87% of total assets at December 31, 2011.

 

26

During 2011, credit costs of $2,587 declined $57, or 2%, compared to 2010 due to a reduction in the provision for loan losses, although the loss on foreclosed assets increased due to higher write-downs to value of foreclosed assets held. During 2011, total nonperforming assets increased $1,494, or 9%, due to a $3,837 increase in troubled debt restructured loan principal that continued to pay according to its restructured terms. However, nonaccrual assets decreased $315, or 4%, and foreclosed assets decreased $2,028, or 41% during 2011. Total nonperforming assets were $17,883, or 2.87% of total assets as of December 31, 2011 compared $16,389, or 2.64% of total assets as of December 31, 2010.

 

Asset Growth and Liquidity

 

Total assets were $711,541 at December 31, 2013 compared to $711,966 at December 31, 2012. During the year ended December 31, 2013, cash and cash equivalents and investment securities declined $29,255 to fund $12,777 in commercial related loan growth, up 3.7%, and $18,878 in residential real estate loan growth, up 13.5%. Since December 31, 2012, local deposits increased $9,170, up 1.8%, which were used to pay down maturing wholesale funding by $9,173, down 7.8%. Wholesale funding (including brokered certificates of deposit, Federal Home Loan Bank advances, and wholesale repurchase agreements) was $108,908 (15.3% of total assets) at December 31, 2013 compared to $118,081 (16.6% of total assets) at December 31, 2012. During 2014, asset and loan growth is expected to be challenging due to low customer demand within our markets and very competitive market conditions. If loans receivable were to decline, it would likely reduce net interest income, negatively impacting 2014 net income.

 

Total assets were $711,966 at December 31, 2012, up $89,099 (14%) during the year ended December 31, 2012. During 2012, a $101,385 increase in core deposits, primarily from the acquisition of Marathon, funded a $20,109 pay down of maturing brokered certificates of deposit and the majority of asset growth. 2012 asset growth consisted primarily of $10,642 in cash and overnight investments, $26,833 in residential mortgage loans, $12,953 in commercial related loans, and $36,532 in investment securities. Marathon’s total assets were $107,364 on the June 1, 2012 acquisition date, including $62,260 of securities and short-term investments. Following the purchase date, maturity proceeds from the acquired Marathon investment securities were used to pay down wholesale funding. At December 31, 2012, total wholesale funding was $118,081, or 16.6% of total assets, compared to $138,190, or 22.2% of total assets at December 31, 2011. As outlined in the preceding paragraph, a portion of the substantial cash and cash equivalents held at December 31, 2012 totaling $48,847 were used to fund 2013 net loan growth.

 

Our most significant sources of liquidity and wholesale funding include federal funds purchased from correspondent banks, FHLB advances, brokered and national certificates of deposit, and Federal Discount Window advances. In addition to our existing $31,522 in cash and cash equivalents at December 31, 2013, we have $296,590 of unused funding available at December 31, 2013, which is considered adequate to meet customer, operational, and growth needs during 2014. Most of our wholesale funding sources require either pledging of assets, maintenance of well-capitalized regulatory status, or additional purchases of FHLB capital stock (or all of these items) to continue or expand participation in the funding program. In particular, $90,766 of potential FHLB advance funding considered available at December 31, 2013, would require additional purchase of up to $3,885 of additional FHLB capital stock, which pays a nominal dividend and for which no trading market exists.

 

Capital Resources

 

During 2013, total stockholders’ equity increased $2,306, primarily from $4,744 of net income less $1,289 of dividends declared and further offset by a $1,204 reduction in unrealized gains on fixed rate securities as national interest rates increased in response to expected actions by the Board of Governors of the Federal Reserve if national economic conditions improve. During 2013 we repurchased 10,030 shares of treasury stock on the open market at an average price of $26.78 per share, which reduced equity $269. We expect to purchase a similar amount of treasury stock shares during 2014 on the open market if conditions and prices are beneficial to the Company.

 

Tangible net book value increased to $34.36 per share at December 31, 2013 compared to $32.93 per share at December 31, 2012, an increase of 4.3%. Common stockholders’ equity was 7.98% of total assets at December 31, 2013 compared to 7.65% of assets at December 31, 2012. During 2013, we refinanced $7 million of 8% senior subordinated notes with $1 million of cash and $6 million in proceeds from issuance of new debt. The new debt included $4 million of privately placed senior subordinated notes carrying a 3.75% fixed interest rate with interest only payments, due in 2018, and $2 million in a fully amortizing term note with a correspondent bank carrying a floating rate of interest and maturing in 2015. Although the previous 8% notes qualified as Tier 2 regulatory capital, the new $6 million in notes do not qualify as regulatory capital. The refinancing reduced 2013 interest expense by $340 compared to 2012 and contributed to increased proforma net income (prior to the large grain loss) in 2013 compared to the prior year. For regulatory purposes, we continued to be considered “well capitalized” under banking regulations at December 31, 2013. Refer to Note 20 of the Notes to Consolidated Financial Statements for detailed regulatory capital information.

 

In July 2013, the banking regulatory agencies finalized new regulatory rules applicable to all banks which were described previously in Item 1 to this Annual Report on Form 10-K under the subheading Capital Adequacy. The new rules expand the number of capital measurements and the new minimums over which a bank may pay dividends, certain executive compensation, or be considered adequately capitalized. Other changes addressed the amount of capital required on a “risk adjusted” basis for certain assets and other obligations. The new rules are effective on January 1, 2015, with an extended implementation period for certain measures. We expect regulatory capital ratios to be negatively impacted when the changes are fully implemented, but do not expect to issue additional common stock solely to meet the new requirements or that recurring operations or growth potential will be significantly impacted.

 

27

During 2014, we expect to continue payment of our semi-annual cash dividend assuming continued profits and adequate regulatory capital ratios after consideration of risk, new regulatory capital demands, and growth potential. Because our primary growth focus is on market and core deposit expansion via merger and acquisition of other banks with relatively low credit risk profiles and near our current markets, we expect to retain capital for potential acquisitions. However, if value added merger and acquisition options do not materialize in the near term, we may consider expanded repurchase of treasury stock on the open market under a discretionary buyback program. Stock buybacks would decrease existing capital ratios but would be expected to increase current earnings or net book value per share. Any future growth through merger and acquisition activities should be expected to drain excess capital levels and could increase the likelihood of a new common or preferred stock capital raise, potentially diluting existing stockholders.

 

During 2012, total stockholders’ equity increased $4,085, primarily from $6,009 of net income less $1,247 of shareholder dividends declared. Changes to items of comprehensive income also reduced equity $540 during 2012, net of tax, due a decline in fair value of securities and an unrealized loss on fair value of interest rate swaps. After several years of no buybacks of treasury stock, we purchased 10,210 shares of our common stock on the open market during 2012 at an average price of $25.68 per share, which reduced equity $262. Tangible net book value increased to $32.93 per share at December 31, 2012 compared to $30.44 per share at December 31, 2011, an increase of 8%. Due to our purchase of Marathon using existing cash on hand without the issuance of new common stock, our equity to assets ratio declined during 2012. Common stockholders’ equity was 7.65% of total assets at December 31, 2012 compared to 7.42% of assets at June 30, 2012 (following the Marathon purchase) and 8.09% of assets at December 31, 2011.

 

Off-Balance-Sheet Arrangements and Contractual Obligations

 

Our largest volume off-balance sheet activity involves our servicing of payments and related collection activities on $272,280 of residential 1 to 4 family mortgages sold to FHLB and FNMA at December 31, 2013, up $2,726, or 1.0%, from $269,554 at December 31, 2012, which was up 3.0% from $261,811 at December 31, 2011. We expect to see lower mortgage refinance activity during 2014 and serviced mortgage loan principal could stabilize or decline. In general, we are paid an annualized servicing fee of .25% of serviced principal which is recorded as a component of mortgage banking revenue.

 

At December 31, 2013, we have provided a credit enhancement against FHLB loss on $23,709, or 8.7%, of the serviced principal, up to a maximum guarantee of $949 in the aggregate. However, we would incur such loss only if the FHLB first lost $1,593 on this loan pool as part of their “First Loss Account”. We have not provided a credit enhancement guarantee on any loans sold to the FHLB since prior to 2009 and we have no intentions of originating future loans with the guarantee. Loan pools containing our guarantees were originated during 2000 through 2008 and have incurred cumulative life to date principal losses of $450 out of $424,452 of loan principal originated with guarantees, all of which has been borne by the FHLB within their First Loss Account. We do not maintain any recourse liability for credit enhancement guarantee losses because we do not expect to incur any significant future losses under this guarantee.

 

All loans sold to FHLB or FNMA in which we retain the loan servicing are subject to underwriting representations and warranties made by us as the originator and we are subject to annual underwriting audits from both entities. Our representations and warranties would allow FHLB or FNMA to require us to repurchase inadequately originated loans for any number of underwriting violations even if we had not provided a credit enhancement on the mortgage. Provision for representation and warranty losses were $294, $28, and $38 during 2013, 2012, and 2011, respectively. We maintained a reserve liability for potential future representation and warranty losses of $108 at December 31, 2013.

 

We provide various commitments to extend credit for both commercial and consumer purposes totaling approximately $119 million at December 31, 2013 compared to $105 million at December 31, 2012 and $99 million at December 31, 2011. These lending commitments are a traditional and customary part of lending operations and many of the commitments are expected to expire without being drawn upon.

 

Our primary long-term contractual obligations are related to repayment of funding sources such as FHLB advances, long-term other borrowings, and customer time deposits, which make up 93% of our total long-term contractual obligations. For all contractual obligations outstanding at December 31, 2013, $127 million, or 55%, will require repayment, or extension through refinancing, during 2014, including $36 million of FHLB advances and $82 million of time deposits, both of which are regularly renewed in the normal course of business.

 

We offer certain high credit quality customers fixed interest rate swaps to hedge their risk on variable rate commercial real estate loans with us. Fixed interest rate swaps sold to customers (in which we pay a variable rate and receive a fixed rate) are simultaneously offset by our purchase of a variable interest rate swap from a correspondent bank (in which we pay a fixed rate and receive a variable rate). Such swap sale programs are often referred to “back to back” interest rate swaps as the resulting fixed interest rate risk with our customer is offset by our variable interest rate risk with our counterparty. At December 31, 2013 and 2012, there were $14,323 and $14,979, respectively, in back to back swaps outstanding with variable rate commercial real estate loan customers.

28

RESULTS OF OPERATIONS

 

Earnings

 

Table 1 of Item 6 of this Annual Report on Form 10-K presents various financial performance ratios and measures for each of the five years in the period ended December 31, 2013. A number of separate or nonrecurring factors impacted our earnings during this period. Table 2 presents our net income for each of the five years in the period ended December 31, 2013, before certain tax-adjusted nonrecurring income and expense items.

 

Table 2: Summary Operating Income

 

  Year ended December 31,
($000s)  2013  2012  2011  2010  2009
                
Net income before special items, net of tax  $6,463   $5,783   $5,277   $4,770   $2,859 
                          
Net gain (loss) on sale of assets:                         
                          
Net gain (loss) on write-down and sale of securities   7         19    (12)   316 
Net gain (loss) on sale of premises and equipment   —    (2)   9    (4)   (59)
Net loss on sale of credit card loan principal   (19)                    
                          
Total net gain (loss) on sale of assets, net of tax   (12)   (2)   28    (16)   257 
                          
Large grain customer fraud credit loss:                         
                          
Provision for grain credit loss   (2,031)                    
Grain credit loss legal and collection expense   (27)                    
Reduced employee benefits related to grain credit loss   278                     
                          
Total large grain customer fraud credit loss, net of tax   (1,780)   —    —    —    — 
                          
Nonrecurring merger and acquisition income (expense):                         
                          
Gain on bargain purchase        726                
Merger and acquisition professional expense        (233)               
Data processing conversion expense        (265)               
Benefit from amendment of acquired bank tax returns   73                     
                          
Total nonrecurring merger and acquisition income, net of tax   73    228    —    —    — 
                          
Net income as reported  $4,744   $6,009   $5,305   $4,754   $3,116 
                          
Diluted earnings per share before special items  $3.91   $3.48   $3.19   $2.90   $1.75 
Diluted earnings per share as reported  $2.87   $3.61   $3.21   $2.89   $1.90 

 

29

2013 compared to 2012

 

Earnings per share declined 20.5% during 2013 to $2.87 per share compared to record earnings of $3.61 per share during 2012. Both periods included significant non-recurring items which impacted net income, including a $1,780 reduction to net income in 2013 related to a fraudulent large grain credit write-down of $3,340 while our purchase of Marathon State Bank during 2012 increased net income by $228 primarily due to a gain on bargain purchase. Table 2 above outlines these significant nonrecurring items and displays proforma 2013 net income before these items of $6,463 ($3.91 per share) compared to proforma net income of $5,783 ($3.48 per share) during 2012, an increase of 12.3% per share. Return on average assets was .68% (.93% before the special items outlined in Table 2) and .91% (.88% before the special items) during 2013 and 2012, respectively. Return on average stockholders’ equity was 8.37% (11.40% before the special items outlined in Table 2) and 11.33% (10.91% before the special items) during 2013 and 2012, respectively.

 

Excluding the 2013 special items outlined in Table 2, proforma 2013 net income benefited from a $1,245 increase in tax adjusted net interest income, up 5.9% and a $215 reduction in credit costs (including provision for loan losses and loss on foreclosed assets), down 15.8% compared to 2012. Offsetting these income increases was a $346 increase in proforma operating expense (excluding losses on foreclosed assets for both 2013 and 2012), up 2.1%. Proforma noninterest income before gain (loss) on sale of other assets declined $84, or 1.5% during 2013 compared to 2012 as a $204 decline (11.4%) in mortgage banking income was offset by a $208 increase (28.3%) in investment and insurance sales commissions.

 

During 2014, we expect net interest margin to be pressured lower while organic loan growth prospects remain slow from low customer demand and intense local competition from various financial providers. In addition, stabilization of long-term residential mortgage rates point to significantly lower refinance income and lower mortgage banking income. Inflationary operating expense increases may be partially offset by lower loss on foreclosed assets compared to 2013. Therefore, potentially increased net operating expenses combined with lower net interest margin and a decline in noninterest income could result in lower earnings during 2014 compared to proforma 2013 earnings of $6,463 as shown in Table 2 above especially if credit costs increase or loan growth declines.

 

2012 compared to 2011

 

Earnings were a record high $3.61 per diluted share during 2012 but were significantly impacted by non-recurring income and expense associated with the purchase of Marathon State Bank during 2012. An $851 gain on the purchase was recorded, which increased net income $726 after tax expense. Separately, we incurred $233 of merger and acquisition legal and other professional fees which reduced net income $233 after taxes as such costs were treated as an adjustment to the Marathon cost basis under tax rules and were therefore not deductible. Lastly, we incurred $438 of data conversion expense associated with placing Marathon customer and account information on our operating system, which reduced net income $265 after tax benefits. As shown in Table 2, diluted earnings per share before special items were $3.48 during 2012 compared to $3.19 during 2011, an increase of 9.1%. Return on average assets was .91% (.88% before the special items outlined in Table 2) and .87% during 2012 and 2011, respectively. Return on average stockholders’ equity was 11.33% (10.91% before the special items outlined in Table 2) and 10.78% during 2012 and 2011, respectively.

 

Separate from Marathon’s special acquisition items noted above, Marathon’s recurring operations increased our net interest income and operating expense during the seven months following our purchase. Net interest income of $20,153 during 2012 increased $596, or 3.0%, compared to 2011. Our noninterest income before the gain on purchase of Marathon increased $380, or 7.1%, during 2012, compared to 2011, from a $422 increase in mortgage banking income on customer refinance activity. Lastly, income benefited significantly from a decline in credit costs (provision for loan losses and loss on foreclosed assets) of $1,229, or 47.5%, during 2012 compared to 2011. Offsetting these income gains was an increase in operating expense before Marathon’s special items and credit costs of $1,567, or 10.7%. The expense increase was led by higher wages and benefits, up $832, or 10.0%, and higher data processing expense (excluding the Marathon conversion costs) of $476, up 34.4%, as one-time fee reductions we enjoyed following our bank-wide data processing conversion during 2010 and 2011 expired.

 

30

2011 compared to 2010

 

Earnings reached a then record high during 2011 of $5,305, or $3.21 per diluted share, compared to $4,754, or $2.89 per diluted share during 2010, an increase of $551 ($.32 per share), up 11.6%. 2011 net income increased over the prior year due to increased net interest income of $458, up 2.4%, due to a slight increase in net margin and average earning assets. Credit costs totaled $2,587 during 2011, a slight decline of $57, or 2.2%, compared to 2010, primarily from lower provision for loan losses while loss on foreclosed assets increased from higher partial write-downs of value. Noninterest income decreased $26 during 2011, or 0.5%, from a decline in service charges (primarily overdraft charges) and mortgage banking totaling $253 which was partially offset by $207 in swap sale commission income (a new product during 2011). Excluding credit costs, noninterest expenses declined $495, or 3.3%, primarily from a $277 reduction in FDIC insurance premiums. Return on average assets was .87% and .79% during 2011 and 2010, respectively. Return on average stockholders’ equity was 10.78% and 10.59% during 2011 and 2010, respectively.

 

Net Interest Income

 

Net interest income is our largest source of revenue from operations. Net interest income represents the difference between interest earned on loans, securities, and other interest-earning assets, and the interest expense associated with the deposits and borrowings that fund them. Interest rate fluctuations together with changes in volume and types of earning assets and interest-bearing liabilities combine to affect total net interest income. Additionally, net interest income is impacted by the sensitivity of the balance sheet to change in interest rates, contractual maturities, and repricing frequencies. Net interest income is our most significant item of revenue generated by operations.

 

Table 3 presents changes in the mix of average earning assets and interest bearing liabilities for the three years ending December 31, 2013. In general, net interest income earned on loans funded by savings and demand deposits is greater than that earned on securities funded by time deposits. Therefore, a balance sheet that contains a growing allocation of loans funded by a growing allocation of savings and demand deposits would normally provide greater net interest income than a growing allocation of securities funded by a growing allocation of time deposits.

 

Table 3: Mix of Average Interest Earning Assets and Average Interest Bearing Liabilities

 

Year ending December 31, 2013   2012   2011  
       
Loans 77.1% 75.0% 77.6%
Taxable securities 12.6% 14.9% 13.9%
Tax-exempt securities 8.1% 6.8% 5.7%
FHLB stock 0.5% 0.5% 0.6%
Other 1.7% 2.8% 2.2%
       
Total interest earning assets 100.0% 100.0% 100.0%
       
Savings and demand deposits 31.4% 29.4% 25.7%
Money market deposits 22.1% 21.0% 20.3%
Time deposits 29.9% 33.5% 34.5%
FHLB advances 10.4% 9.7% 11.5%
Other borrowings 4.0% 3.6% 5.0%
Senior subordinated notes 0.8% 1.3% 1.4%
Junior subordinated debentures 1.4% 1.5% 1.6%
       
Total interest bearing liabilities 100.0% 100.0% 100.0%

 

31

Tables 4, 5, and 6 present average balance sheet data and related average interest rates on a tax equivalent basis and the impact of changes in the earnings assets base for the three years in the period ended December 31, 2013.

 

Table 4: Average Balances and Interest Rates

 

      2013        2012        2011   
  Average     Yield/  Average     Yield/  Average     Yield/
  Balance  Interest  Rate  Balance  Interest  Rate  Balance  Interest  Rate
Assets                                             
Interest-earning assets:                                             
Loans(1)(2)(3)  $508,454   $23,316    4.59%  $462,237   $23,667    5.12%  $443,709   $24,640    5.55%
Taxable securities   83,049    2,098    2.53%   91,747    2,402    2.62%   79,711    2,637    3.31%
Tax-exempt securities(2)   53,549    2,289    4.27%   41,825    1,959    4.68%   32,625    1,705    5.23%
FHLB stock   3,138    14    0.45%   2,817    9    0.32%   3,250    4    0.12%
Other   11,542    67    0.58%   17,445    82    0.47%   12,679    68    0.54%
                                              
Total(2)   659,732    27,784    4.21%   616,071    28,119    4.56%   571,974    29,054    5.08%
                                              
Non-interest-earning assets:                                             
Cash and due from banks   10,476              17,979              8,532           
Premises and equipment, net   9,935              10,078              10,216           
Cash surrender value life insurance   12,257              11,597              11,175           
Other assets   9,557              11,427              12,481           
Allowance for loan losses   (7,426)             (7,799)             (7,884)          
                                              
Total  $694,531             $659,353             $606,494           
                                              
Liabilities & stockholders’ equity                                             
Interest-bearing liabilities:                                             
Savings and demand deposits  $172,249   $383    0.22%  $154,428   $782    0.51%  $126,944   $1,109    0.87%
Money market deposits   121,351    406    0.33%   110,587    586    0.53%   100,089    810    0.81%
Time deposits   164,392    2,262    1.38%   176,187    2,793    1.59%   171,200    3,509    2.05%
FHLB borrowings   57,035    1,285    2.25%   50,941    1,414    2.78%   56,730    1,776    3.13%
Other borrowings   21,862    650    2.97%   19,190    596    3.11%   24,499    645    2.63%
Senior subordinated notes   4,600    184    4.00%   7,000    578    8.26%   7,000    567    8.10%
Junior subordinated debentures   7,732    341    4.41%   7,732    342    4.42%   7,732    341    4.41%
                                              
Total   549,221    5,511    1.00%   526,065    7,091    1.35%   494,194    8,757    1.77%
                                              
Non-interest-bearing liabilities:                                             
Demand deposits   82,506              73,135              57,942           
Other liabilities   6,117              7,128              5,150           
Stockholders’ equity   56,687              53,025              49,208           
                                              
Total  $694,531             $659,353             $606,494           
                                              
Net interest income       $22,273             $21,028             $20,297      
Rate spread             3.21%             3.21%             3.31%
Net yield on interest-earning assets             3.38%             3.41%             3.55%

 

(1) Nonaccrual loans are included in the daily average loan balances outstanding.

(2) The yield on tax-exempt loans and securities is computed on a tax-equivalent basis using a tax rate of 34%.

(3) Loan fees are included in total interest income as follows: 2013 - $522, 2012 - $724, 2011 - $592.

32

Table 5: Interest Income and Expense Volume and Rate Analysis

 

  2013 compared to 2012  2012 compared to 2011
  increase (decrease) due to (1)  increase (decrease) due to (1)
  Volume  Rate  Net  Volume  Rate  Net
                   
Interest earned on:                              
Loans(2)  $2,121   $(2,472)  $(351)  $949   $(1,922)  $(973)
Taxable securities   (220)   (84)   (304)   315    (550)   (235)
Tax-exempt securities(2)   501    (171)   330    431    (177)   254 
FHLB stock   1    4    5    (1)   6    5 
Other interest income   (34)   19    (15)   22    (8)   14 
                               
Total   2,369    (2,704)   (335)   1,716    (2,651)   (935)
                               
Interest paid on:                              
Savings and demand deposits   39    (438)   (399)   140    (467)   (327)
Money market deposits   36    (216)   (180)   56    (280)   (224)
Time deposits   (163)   (368)   (531)   79    (795)   (716)
FHLB borrowings   137    (266)   (129)   (161)   (201)   (362)
Other borrowings   79    (25)   54    (165)   116    (49)
Senior subordinated notes   (96)   (298)   (394)   —    11    11 
Junior subordinated debentures   —    (1)   (1)   —    1    1 
                               
Total   32    (1,612)   (1,580)   (51)   (1,615)   (1,666)
                               
Net interest earnings  $2,337   $(1,092)  $1,245   $1,767   $(1,036)  $731 

 

(1) The change in interest due to both rate and volume has been allocated to volume and rate changes in proportion to the relationship of the absolute dollar amounts of the change in each.
(2) The yield on tax-exempt loans and investment securities has been adjusted to its fully taxable equivalent using a 34% tax rate.

 

Table 6: Yield on Earning Assets

 

Year ended December 31,  2013  2012  2011
   Yield  Change  Yield  Change  Yield  Change
                   
Yield on earning assets   4.21%   -0.35%   4.56%   -0.52%   5.08%   -0.29%
                               
Effective rate on all liabilities as a percent of earning assets   0.83%   -0.32%   1.15%   -0.38%   1.53%   -0.33%
                               
Net yield on earning assets   3.38%   -0.03%   3.41%   -0.14%   3.55%   0.04%

 

2013 compared to 2012

 

Tax adjusted net interest income totaled $22,273 during 2013 compared to $21,028 in 2012, an increase of $1,245, or 5.9%, from a 7.1% increase in average earning assets during 2013, which offset a decline in net interest margin from 3.41% during 2012 to 3.38% during 2013. Compared to 2012, loan yield declined from 5.12% to 4.59% (53 basis points) while the tax adjusted investment security yield declined from 3.26% to 3.21% (5 basis points). Securities yields were supported by a greater allocation in higher yielding tax exempt securities in 2013 compared to 2012 although yield on these tax exempt securities declined from 4.68% in 2012 to 4.27% in 2013. Security portfolio trends point to continued lower yields during 2014. Continued low overall interest rate levels and very low investment security reinvestment rates caused yield on earning assets to decline 35 basis points during 2013, which was offset by a 35 basis point decline in the cost of interest bearing liabilities, allowing the rate spread to remain at 3.21% during both 2013 and 2012. However, because average earning assets grew 7.1% while average interest bearing liabilities grew 4.4%, net yield on earning assets (net margin) declined 3 basis points during 2013 as a greater amount of assets experienced declining yields than the amount of liabilities that experienced declining costs.

 

The increase in 2013 average earning assets was due in part to a full year of ownership of the assets purchased with Marathon State Bank on June 1, 2012 (approximately 20% of the 2013 earnings asset growth), and in part from net organic loan growth (approximately 80% of the 2013 earning asset growth). Due to low loan demand and intense competition within our markets, a decline in organic loan growth combined with a decline in net interest margin could reduce net interest income during 2014 compared to 2013. Although net interest margin will continue to be pressured from falling asset reinvestment rates, savings from maturity of high cost wholesale funding during 2013 is expected to result in 2014 net margin similar to that seen during 2013, within a range of 3.34% to 3.38% during 2014. Approximately 51% of total wholesale funding held at December 31, 2013 having a weighted average interest cost of 3.08% is expected to reprice to significantly lower rates during 2014, reducing interest expense.

 

33

During 2013, net interest margin benefited from interest rate floors on certain commercial-related loans and retail residential home equity lines of credit. The coupon rate on approximately $71 million, or 13.7%, of gross loans at December 31, 2013 was supported by an average interest rate floor approximately 114 basis points greater than the normal adjustable rate. If current interest rate levels were assumed to remain the same, the annualized increase to net interest income and net interest margin was approximately $807 and .12%, respectively, based on those existing loan floors and average total earning assets during the year ended December 31, 2013. During a period of rising short-term interest rates, we expect average funding costs (which are not currently subject to contractual caps on the interest rate) to rise while the yield on loans with interest rate floors would remain the same until those loans’ adjustable rate index caused coupon rates to exceed the loan rate floor. The speed in which short-term interest rates increase is expected to have a significant impact on net interest income from loans with interest rate floors. Quickly rising short-term rates would allow adjustable rate loans with floors to reprice to rates higher than the existing floor faster, impacting net interest income less adversely than if short-term rates rose slowly or deliberately.

 

Because a future increase in short-term funding rates could cause a mismatch between floating rate loan yields and short-term funding costs due to existing interest rate floors, such positions are modeled and reviewed as part of our asset-liability management strategy each quarter. Current interest rate simulations based on more extreme rate scenarios such as short-term rates up 500 basis points combined with a flattening of the yield curve during a 24 month period could reduce net interest income by 6.0% to 12.7% ($768 to $1,651 after tax impacts) per year during the first three years of the rate increase. Refer to Table 9 for projected net interest income percentage changes under other rate change scenarios. We seek to minimize this interest rate risk exposure in part by maintaining the fixed rate period of wholesale funding longer than the average term for local deposit funding. Wholesale funding is approximately 15% of total assets and carried an approximately 21 month weighted average fixed rate remaining term as of December 31, 2013.

 

The Dodd-Frank Wall Street Reform Act repealed the prohibition on paying interest on commercial checking accounts during 2011. We currently provide an earnings credit against account fees in lieu of an interest payment and do not expect costs to increase because of this change in the short term. Despite the law change, we do not sell or promote an interest bearing commercial checking account at this time. However, the change could have greater long-term implications as competitor banks begin to use premium interest rate levels on commercial deposits in attempts to raise deposits in coming years.

 

2012 compared to 2011

 

Tax adjusted net interest income totaled $21,028 during 2012 compared to $20,297 in 2011, an increase of $731, or 3.6%, from a 7.7% increase in average earning assets during 2012 which offset a decline in net interest margin from 3.55% during 2011 to 3.41% during 2012. The increase in 2012 average earnings assets was the result of the acquisition of Marathon on June 1, 2012. Compared to 2011, loan yield declined from 5.55% to 5.12% (43 basis points) while the tax adjusted investment security yield declined from 3.87% to 3.26% (61 basis points). Continued low overall interest rate levels and very low investment security reinvestment rates caused yield on earning assets to decline as did the cost of paying liabilities, which declined from 1.77% to 1.35% (42 basis points). The long-term market rate decline first seen in the national economy during the 2008-2009 recession continued during 2012, and loans, securities, and funding continued to reprice to lower levels.

 

During 2012, net interest margin benefited from interest rate floors on certain commercial-related loans and retail residential home equity lines of credit. The coupon rate on approximately $85 million, or 17.5%, of gross loans at December 31, 2012 was supported by an average interest rate floor approximately 129 basis points greater than the normal adjustable rate. If current interest rate levels were assumed to remain the same, the annualized increase to net interest income and net interest margin was approximately $1,095 and .18%, respectively, based on those existing loan floors and average total earning assets during the year ended December 31, 2012. Interest rate simulations in effect at December 31, 2012 based on more extreme rate scenarios such as short-term rates up 500 basis points combined with a flattening of the yield curve during a 12 month period projected reduced net interest income of 4.2% to 13.9% ($509 to $1,670 after tax impacts) per year during the first three years of the rate increase.

 

2011 compared to 2010

 

Tax adjusted net interest income totaled $20,297 during 2011 compared to $19,911 in 2010, an increase of $386, or 1.9%, from a 0.7% increase in average earning assets during 2011 and a slight increase in net margin from 3.51% in 2010 to 3.55% in 2011. Compared to 2010, loan yield declined from 5.77% to 5.55% (22 basis points) while the tax adjusted investment security yield declined from 4.51% to 3.87% (64 basis points). Continued low overall interest rate levels and very low investment security reinvestment rates caused yield on earning assets to decline as did the cost of paying liabilities, which declined from 2.12% to 1.77% (35 basis points). The market rate decline began during the 2008-2009 national recession. Average nonaccrual loans totaled $8,086 during 2011 compared to $10,506 during 2010. Based on the average loan yield during 2011, the decrease in nonaccrual loans during 2011 increased net interest margin by approximately 2 basis points during 2011 compared to 2010. During 2011, cumulative average nonaccrual loans reduced net interest margin by approximately 8 basis points.

 

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Average earning assets grew $4,007, or 0.7% during 2011, driven by a $6,297 increase in taxable securities, primarily mortgage related investment securities. Average interest bearing liabilities decreased $4,891, or 1.0% during 2011. The primary funding source that decreased was time deposits, declining $13,287, or 7.2%. The changes made to the Rewards Checking account structure and removal of the product from our retail deposit lineup were effective late in 2011, which allowed average product balances to continue to increase during 2011. Average Rewards Checking balances were $48,674 during 2011 compared to $43,264 in 2010, an increase of $5,410, or 12.5%. Average Rewards Checking balances had increased $11,651, or 36.9% during 2010 after growing $14,815, or 88.2% during 2009. Since the account changes, product balances continued to decline and were $36,452 at December 31, 2013 compared to $43,742 at December 31, 2012 and $47,578 at December 31, 2011.

 

During 2011, net interest margin benefited from interest rate floors on certain commercial-related loans and retail residential home equity lines of credit. The coupon rate on approximately $100 million, or 22.4%, of gross loans at December 31, 2011 was supported by an average interest rate floor approximately 139 basis points greater than the normal adjustable rate. If current interest rate levels were assumed to remain the same, the annualized increase to net interest income and net interest margin was approximately $1,387 and .24%, respectively, based on those existing loan floors and average total earning assets during the year ended December 31, 2011. Interest rate simulations in effect at December 31, 2011 based on more extreme rate scenarios such as short-term rates up 500 basis points combined with a flattening of the yield curve during a 12 month period projected reduced net interest income of 4.9% to 8.4% ($577 to $958 after tax impacts) per year during the first three years of the rate increase.

 

Interest Rate Sensitivity

 

We incur market risk primarily from interest-rate risk inherent in our lending and deposit taking activities. Market risk is the risk of loss from adverse changes in market prices and rates. We actively monitor and manage our interest-rate risk exposure. The measurement of the market risk associated with financial instruments (such as loans and deposits) is meaningful only when all related and offsetting on- and off-balance sheet transactions are aggregated, and the resulting net positions are identified. Disclosures about the fair value of financial instruments that reflect changes in market prices and rates can be found in Item 8, Note 23 of the Notes to Consolidated Financial Statements.

 

Our primary objective in managing interest-rate risk is to minimize the adverse impact of changes in interest rates on net interest income and capital, while adjusting the asset-liability structure to obtain the maximum yield-cost spread on that structure. We rely primarily on our asset-liability structure reflected on the Consolidated Balance Sheets to control interest-rate risk. In general, longer-term earning assets are funded by shorter-term funding sources allowing us to earn net interest income on both the credit risk taken on assets and the yield curve of market interest rates. However, a sudden and substantial change in interest rates may adversely impact earnings, to the extent that the interest rates borne by assets and liabilities do not change at the same speed, to the same extent, or on the same basis. We do not engage in significant trading activities to enhance earnings or for hedging purposes.

 

Our overall strategy is to coordinate the volume of rate sensitive assets and liabilities to minimize the impact of interest rate movement on the net interest margin. Table 7 represents our earnings sensitivity to changes in interest rates at December 31, 2013. It is a static indicator which does not reflect various repricing characteristics and may not indicate the sensitivity of net interest income in a changing interest rate environment, particularly during periods when the interest yield curve is flattening or steepening. The following repricing methodologies should be noted:

 

1.Public or government fund MMDA and NOW accounts are considered fully repriced within 60 days. Higher yielding retail and non-governmental money market and NOW deposit accounts are considered fully repriced within 90 days. Rewards Checking NOW accounts and lower rate money market deposit accounts are considered fully repriced within one year. Other NOW and savings accounts are considered “core” deposits as they are generally insensitive to interest rate changes. These core deposits are generally considered to reprice beyond five years.
2.Nonaccrual loans are considered to reprice beyond 5 years.
3.Assets and liabilities with contractual calls or prepayment options are repriced according to the likelihood of the call or prepayment being exercised in the current interest rate environment.
4.Measurements taking into account the impact of rising or falling interest rates are based on a parallel yield curve change that is fully implemented within a 12-month time horizon.
5.Bank owned life insurance is considered to reprice beyond 5 years.

 

Table 7 reflects a liability sensitive (“negative”) gap position during as of December 31, 2013, with a cumulative one-year gap ratio of 85.4% compared to a “negative” gap (liability sensitive position) of 93.7% at December 31, 2012. The one year gap ratio declined during 2013 as maturing short-term investment securities acquired with Marathon during 2012 were reinvested in longer term loans during 2013 and a greater amount of FHLB advance liabilities are set to mature during 2014 than matured during 2013. In general, a current negative gap position would be favorable in a falling rate environment, but unfavorable in a rising rate environment. However, net interest income is impacted not only by the timing of product repricing, but the extent of the change in pricing which could be severely limited from local competitive pressures. This factor can result in changes to net interest income from changing interest rates different than expected from review of the gap table.

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Table 7: Interest Rate Sensitivity Analysis

 

  December 31, 2013
(dollars in thousands)  0-90 Days  91-180 days  181-365 days  1-2 yrs.  Beyond. 2-5 yrs.  Beyond 5 yrs.  Total
                      
Earning assets:                                   
Loans  $153,656   $41,461   $69,122   $87,238   $125,059   $40,277   $516,813 
Securities   7,658    6,578    8,766    17,443    49,629    43,205    133,279 
FHLB stock                            2,556    2,556 
CSV bank-owned life insurance                            12,826    12,826 
Other earning assets   17,722    500         1,736              19,958 
                                    
Total  $179,036   $48,539   $77,888   $106,417   $174,688   $98,864   $685,432 
Cumulative rate sensitive assets  $179,036   $227,575   $305,463   $411,880   $586,568   $685,432      
                                    
Interest-bearing liabilities                                   
Interest-bearing deposits  $105,920   $18,510   $182,116   $26,952   $49,710   $91,662   $474,870 
FHLB advances   13,834    7,475    14,740         2,000         38,049 
Other borrowings   6,941         8,000         5,500         20,441 
Senior subordinated notes                       4,000         4,000 
Junior subordinated debentures                       7,732         7,732 
                                    
Total  $126,695   $25,985   $204,856   $26,952   $68,942   $91,662   $545,092 
Cumulative interest sensitive liabilities  $126,695   $152,680   $357,536   $384,488   $453,430   $545,092      
                                    
Interest sensitivity gap for                                   
the individual period  $52,341   $22,554   $(126,968)  $79,465   $105,746   $7,202      
Ratio of rate sensitive assets to                                   
rate sensitive liabilities for                                   
the individual period   141.3%   186.8%   38.0%   394.8%   253.4%   107.9%     
                                    
Cumulative interest sensitivity gap  $52,341   $74,895   $(52,073)  $27,392   $133,138   $140,340      
Cumulative ratio of rate sensitive                                   
assets to rate sensitive liabilities   141.3%   149.1%   85.4%   107.1%   129.4%   125.7%     

 

We use financial modeling policies and techniques to measure interest rate risk. These policies are intended to limit exposure of earnings at risk. A formal liquidity contingency plan exists that directs management to the least expensive liquidity sources to fund sudden and unanticipated liquidity needs (Refer to the section labeled “Asset Growth and Liquidity” contained in this Annual Report on Form 10-K). We also use various policy measures to assess interest rate risk as described below.

 

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Interest Rate Risk Limits

 

We balance the need for liquidity with the opportunity for increased net interest income available from longer term loans held for investment and securities. To measure the impact on net interest income from interest rate changes, we model interest rate simulations on a quarterly basis. Our policy is that projected net interest income over the next 12 months will not be reduced by more than 15% given a change in interest rates of up to 200 basis points. Table 8 presents the projected impact to net interest income by certain rate change scenarios and the change to the one year cumulative ratio of rate sensitive assets to rate sensitive liabilities.

 

Table 8: Net Interest Margin Rate Simulation Impacts

 

As of December 31: 2013 2012 2011
       
Cumulative 1 year gap ratio      
  Base 85% 94% 108%
  Up 200 82% 89% 104%
  Down 200 87% 95% 111%
         
Change in Net Interest Income – Year 1      
  Up 200 during the year -2.8%  -1.4%  -2.1%
  Down 200 during the year -0.1%  0.4% -0.7%
         
Change in Net Interest Income – Year 2      
  No rate change (base case) 0.8% -2.5%  -5.1%
  Following up 200 in year 1 -0.2%  -2.8%  -3.5%
  Following down 200 in year 1 -2.4%  -3.8%  -9.8%

 

Note: Simulations reflect net interest income changes from a down 100 basis point scenario, rather than a down 200 basis point scenario, reflecting functional interest floors in the current low rate environment.

 

To assess whether interest rate sensitivity beyond one year helps mitigate or exacerbate the short-term rate sensitive position, a quarterly measure of core funding utilization is made. Core funding is defined as liabilities with a maturity in excess of 60 months and capital. Core deposits including DDA, NOW, and non-maturity savings accounts (except high yield NOW such as Rewards Checking deposits and money market accounts) are also considered core long-term funding sources. The core funding utilization ratio is defined as assets that reprice in excess of 60 months divided by core funding. Our target for the core funding utilization ratio is to remain at 80% or below given the same 200 basis point changes in rates that apply to the guidelines for interest rate risk limits exposure described previously. Our core funding utilization ratio after a projected 200 basis point increase in rates was 53.8% at December 31, 2013 compared to 60.5% and 61.9% at December 31, 2012 and 2011, respectively. This ratio declined during 2013 as the core deposit categories noted above increased to a greater extent than assets that reprice in periods in excess of 60 months.

 

At December 31, 2013, internal interest rate simulations that project interest rate changes that maintain the current shape of the yield curve (often referred to as “parallel yield curve shifts”) estimated relatively modest projected reductions to future years’ net interest income, even in more extreme periods of interest rate changes such as up 400 basis points during a 24 month period. The impact of various rate simulations on projected “base” net interest income are shown in Table 9 below. However, if interest rates were to increase more quickly than anticipated and if the yield curve flattened at the same time, such as in a “flat up 500 basis point” change occurring during 2014, net interest income would decline during the first three years of the simulation in amounts ranging from 6.0% in year 1 to a decline of 12.7% in year 2 of the base simulation’s net interest income ($1,267 in year 1 and $2,725 in year 2). When the yield curve flattens, repriced short-term funding cost, such as for terms of one year or less increases, while maturing fixed rate balloon loans, such as with terms from 3 to 5 years, increase much less. During flattening periods, assets and liabilities may reprice at the same time but to a much different extent. Current net interest income sensitivity to a rising and flattening yield curve is similar than that seen at December 31, 2012 when similar “flat up 500 basis point” projections indicated net interest income would decline during the first two years of the simulation in amounts ranging from 4.2% in year 1 to 13.9% in year 3 of the base simulation’s net interest income.

 

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Although the flat up 500 basis points simulation is projected to negatively impact net interest income during the first three years of the simulation, we also have risk to a prolonged period of low or falling rates in the already low rate environment in years 3-5 of a falling rate scenario. In this situation, loan and security yields continue to decline while funding costs reach effective lows, reducing net interest margin, particularly if average credit spreads were to decline to levels seen prior to 2008 (pre recessionary levels).

 

Table 9: Projected Changes To Net Interst Income Under Various Rate Change Simulations

 

  During next 12M During next 24M During next 24M Yield Curve
  Down 100 bp Parallel up 400 bp Flat up 500 bp Twist*
         
Year 1 -0.1%   -2.6%   -6.0%   1.1%  
Year 2 -3.2%   -6.9%   -12.7%   3.0%  
Year 3 -6.8%   -1.3%   -7.0%   -6.4%  
Year 4 -10.8%   15.9%   10.1%   0.0%  
Year 5 -12.8%   28.9%   23.1%   11.5%  

 

*Yield curve steepens over the first 18 months of the simulation (10 year CMT Treasury = 3.75% and flattens over months 19-36 to the average slope from 2005-2007 (with Fed Funds targeted at 4.00%)

 

Despite recent rate volatility in mid and longer term market interest rates, we do not consider a falling rate environment to be likely, but we continue to monitor our asset-liability position for an environment of continued low short-term rates during the next 12 to 24 months.

 

Noninterest Income

 

Table 10 presents a common size income statement showing the changing mix of income and expense relative to traditional loan and deposit product net interest income (before tax adjustment) for the five years ending December 31, 2013. This analysis highlights the reliance on, or diversification of, noninterest or fee income to net interest income.

 

Table 10: Summary of Earnings as a Percent of Net Interest Income

 

  2013 2012 2011 2010 2009
           
Net interest income 100.0% 100.0%   100.0%   100.0%   100.0% 
Provision for loan losses  18.8%  3.9%  7.1%  9.4% 21.8%
           
Net interest income after loan loss provision  81.2% 96.1% 92.9% 90.6% 78.2%
Total noninterest income  26.4% 32.6% 27.3% 28.1% 32.9%
Total noninterest expenses  77.5% 86.3% 80.7% 83.4% 87.5%
           
Net income before income taxes  30.1% 42.4% 39.5% 35.3% 23.6%
Provision for income taxes   7.8% 12.6% 12.4% 10.4%  5.2%
           
Net income  22.3% 29.8% 27.1% 24.9% 18.4%

 

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Table 11 presents a breakdown of the components of noninterest income during the three years ended December 31, 2013.

 

Table 11: Noninterest Income

 

   2013  2012  2011
      % of pre-tax     % of pre-tax     % of pre-tax
Years Ended December 31,  Amount  Income  Amount  Income  Amount  Income
                   
Mortgage banking income  $1,591    24.83%  $1,795    21.01%  $1,373    17.77%
Service fees   1,580    24.66%   1,648    19.29%   1,632    21.12%
Retail investment sales commissions   927    14.47%   712    8.34%   603    7.81%
Merchant and debit card interchange fee income   859    13.40%   851    9.96%   722    9.35%
Increase in cash surrender value of life insurance   402    6.27%   407    4.76%   415    5.37%
Other operating income   266    4.15%   283    3.31%   517    6.69%
Insurance annuity sales commissions   17    0.27%   24    0.28%   28    0.36%
Net gain on sale of securities   12    0.19%   —    0.00%   32    0.41%
Gain on bargain purchase   —    0.00%   851    9.96%   —    0.00%
Gain (loss) on sale of premises and equipment   —    0.00%   (3)   -0.03%   15    0.20%
Loss on sale of credit card loan principal   (31)   -0.48%   —    0.00%   —    0.00%
                               
Total noninterest income  $5,623    87.76%  $6,568    76.87%  $5,337    69.08%

 

2013 compared to 2012

 

Total noninterest income for the year ended December 31, 2013 was $5,623 compared $6,568 during 2012, a decline of $945, or 14.4%. However, the prior year period included an $851 nonrecurring gain on purchase of Marathon. Excluding this special gain, noninterest income would have been $5,623 and $5,717 in 2013 and 2012, respectively, a decrease of $94, or 1.6%, including a $204 decrease in mortgage banking (down 11.4%) offset by a $208 increase in retail investment and annuity sales commissions (up 28.3%). Service fees declined $68, or 4.1%, on lower overdraft fee income.

 

Due the increase in long term U.S. Treasury rates during 2013, residential mortgage refinance activity declined significantly after several years of consistently falling rates which prompted customers to refinance. Because we expect long term rates to remain near current levels, refinance activity is not expected to be a significant driver of mortgage banking income during 2014. Due to the loss of this income, we estimate mortgage banking to decline 25% to 30% during 2014 compared to 2013 levels. Partially offsetting this decline, we expect retail investment and annuity commission income to increase slightly during 2014 compared to 2013.

 

Initially following 2011 regulation (Dodd-Frank Wall Street Reform Act) to limit bank debit card interchange and overdraft fees, net fee income on these products after vendor costs initially declined a slight 1.1% and totaled $1,644 during 2012 compared to $1,662 during 2011. However, our fee income on these products continued to decline during 2013, totaling $1,562 net of vendor costs, down $82, or 5.0%, compared to 2012. The decline was also influenced by a reduction in Rewards Checking account customers as we discontinued selling that account to new customers in 2011 and made changes that removed certain incentives for customers to use their debit card to maximize rewards. In addition, as card payment systems undergo changes due to regulation and consumer payment habits change, we could see debit card and overdraft fee income decline further during 2014, negatively impacting net income.

 

Because we expect mortgage banking to decline during 2014, and because overdraft service charges and card interchange income face headwinds to significant growth, we expect total noninterest income to decline 5% to 7% during 2014 compared to 2013.

 

2012 compared to 2011

 

Total noninterest income during 2012 was $6,568 compared to $5,337 in 2011, an increase of $1,231, or 23.1%. However, 2012 included an $851 gain on purchase of Marathon State Bank, which is a nonrecurring item. Excluding the purchase gain, noninterest income increased $380, or 7.1% from a $422 (30.7%) increase in mortgage banking. After significant long-term rate declines during 2011 and 2010, residential mortgage fixed rates declined further in 2012, prompting a new wave of customer refinancing activity, which increased mortgage banking income. Other operating income declined $192 during 2012 from a reduction in commissions earned on the sale of interest rate swaps to floating rate commercial loan customers after introducing the product during 2011.

 

Despite 2011 regulation to limit bank debit card interchange and overdraft fees (described below in the comparison of 2011 to 2010), net fee income on these products after vendor costs declined a slight 1.1% and totaled $1,644 and $1,662 during 2012 and 2011, respectively.

 

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2011 compared to 2010

 

Total noninterest income during 2011 was $5,337 compared to $5,363 in 2010, a decrease of $26, or 0.5%. During 2011, service fees declined $154, or 8.6%, due to lower customer usage of our courtesy overdraft program (and related overdraft fees) in response to new regulation concerning this product effective in August 2010. The new regulation requires that certain payments by consumers who did not opt into the bank’s overdraft program are not paid by the bank, reducing overdraft fee income. In addition, the new regulation and negative publicity concerning banks and their overdraft protection programs continue to lower customer usage of the product and we could see further service fee income declines during 2012 related to overdrafts. In addition, mortgage banking income declined $99, or 6.7% as residential mortgage rates began to settle at historically low levels during 2011. Offsetting these declines was commission income on sale of fixed interest rate swaps to commercial adjustable rate loan customers of $207 during 2011. The swap product was a new product during 2011 and is included in other operating income in Table 11 above. Certain commercial customers with adjustable rate loans with us may choose to enter into an interest rate swap with us to convert their floating rate interest payments to a fixed rate. We simultaneously sell these fixed rate hedge contracts to a correspondent bank in exchange for a fee.

 

During 2011, the Federal Reserve finalized regulations to implement the provisions of the Dodd-Frank Wall Street Reform Act related to debit card interchange income, often referred to as the “Durbin Amendment.” These new changes cap the amount of debit card interchange income that may be collected by large banks from merchants for processing card activity. While the new rules technically do not apply to us as a smaller bank, the impacts are expected to become uniform for the industry over time as merchants use their new authority and options to process customer card activity across a wider number of providers, which could lower our annualized debit card interchange revenue. In general, the banking industry responded to the new regulation which lowered debit card fee revenue by reducing customer account reward programs and related costs and increasing monthly account service fees.

 

Noninterest Expense

 

Table 12 outlines the components of noninterest expenses for the three years ending December 31, 2013.

 

Table 12: Noninterest Expense

 

Years Ended December 31,  2013  2012  2011
      % of net     % of net     % of net
      margin &     margin &     margin &
   Amount  other income*  Amount  other income*  Amount  other income*
                   
Wages, except incentive compensation  $7,026    25.19%  $6,684    24.22%  $6,121    23.88%
Health and dental insurance   1,130    4.05%   1,078    3.91%   852    3.32%
Incentive compensation   295    1.06%   657    2.38%   589    2.30%
Payroll taxes and other employee benefits   694    2.49%   631    2.29%   587    2.29%
Profit sharing and retirement plan expense   446    1.60%   509    1.84%   470    1.83%
Deferred compensation plan expense   160    0.57%   178    0.65%   136    0.53%
Restricted stock plan vesting expense   145    0.52%   105    0.38%   78    0.30%
Deferred loan origination costs   (827)   -2.96%   (673)   -2.44%   (496)   -1.93%
                               
Total salaries and employee benefits   9,069    32.52%   9,169    33.23%   8,337    32.52%
Occupancy expense   1,762    6.32%   1,622    5.88%   1,702    6.64%
Data processing other office operations   1,862    6.67%   2,296    8.32%   1,382    5.39%
Loss on foreclosed assets   428    1.53%   573    2.08%   1,197    4.67%
FDIC insurance expense   452    1.62%   464    1.68%   505    1.97%
Directors fees and benefits   354    1.27%   384    1.39%   367    1.43%
Legal and professional expenses   295    1.06%   567    2.05%   333    1.30%
Advertising and promotion   335    1.20%   327    1.18%   291    1.14%
Debit card processing and losses expense   394    1.41%   387    1.40%   211    0.82%
Other expenses   1,555    5.57%   1,603    5.81%   1,453    5.67%
                               
Total noninterest expense  $16,506    59.17%  $17,392    63.02%  $15,778    61.55%

 

* Net interest income (net margin) is calculated on a tax equivalent basis using a tax rate of 34%.

 

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2013 compared to 2012

 

Noninterest expenses totaled $16,506 during the year ended December 31, 2013 compared to $17,392 during 2012. Both years included special items including a $458 reduction in employee incentive costs during 2013 on recognition of the large grain charge-off, $45 of grain loss legal expense during 2013, and $674 of acquisition and conversion expenses associated with the purchase of Marathon during 2012. Excluding the proforma effect of the grain loss wage reduction and legal expense in 2013, the special 2012 Marathon items, and loss on foreclosed assets, noninterest expense would have been $16,491 during 2013 and $16,145 during 2012, an increase of $346, or 2.1%. The majority of the increase in proforma noninterest expense during 2013 would have been due to a $359 increase in wage expense, primarily from performance incentives that would have existed prior to recognition of the large 2013 grain loan loss and charge-off.

 

During 2013, wages and benefits are expected to increase with average base pay increases of 2.63% granted January 1, 2014 compared to average base pay increases of 2.75% granted for 2013 in addition to expected new employee positions. Incentive costs are expected to increase modestly if we exceed targeted net income and return on equity remains in the top 50% of our peer group along with other key financial measurements. If income growth targets are not met, incentives would be reduced, potentially reducing employee costs. Health and dental insurance costs are incurred under a self-insured plan subject to a maximum stop loss. Refer to Note 16 of the Notes to Consolidated Financial Statements for more information the health benefit plans. We expect 2014 health and dental costs to grow at inflationary levels due to plan changes expected to reduce benefit costs related to certain part time employees.

 

Data processing and other office operation costs are expected to increase 4% to 5% during 2014 compared to 2013 from increased customer accounts and new software maintenance charges associated with our email communication system designed to reduce communication risk associated with business continuity in the event of a disaster or business interruption. Foreclosed asset expense is expected to decline during 2014 to the extent that partial charge-offs of foreclosed properties decline as local real estate values stabilize. Partial charge-offs of foreclosed property from value declines were $406 in 2013, compared to $485 in 2012 and $992 during 2011. Foreclosed property holding costs are expected to remain similar in 2014 compared to 2013.

 

After incurring a $110 net loss during 2010 related to a coordinated external fraud targeting us and our debit card customers, we improved our debit card fraud monitoring tools to include real-time anomaly identification and real-time text alerts to customers prior to processing certain transactions. Our debit card losses since implementing these tools have declined significantly, and we have not yet seen significant impacts or losses related to the December 2013 announcement by Target, Inc. of their massive customer card information theft. To mitigate our risk to this fraud, we did re-issue some customer debit cards and take other actions at a total cost of less than $10,000 during December 2013. In addition, we did set aside a reserve for potential future direct card losses at December 31, 2013 related to the Target, Inc. fraud totaling $10,000. While we do not anticipate significant losses related to the Target, Inc. fraud or other similar frauds, such attacks can be difficult to predict and generate potential losses that are difficult to reasonably estimate. Future losses could exceed our existing reserve for such losses, decreasing future net income.

 

During early 2014, we announced our agreement to purchase the Rhinelander, Wisconsin branch of The Baraboo National Bank along with its approximately $44 million in deposits and $22 million performing loans. Integration of this branch and its customer accounts into our data processing and existing branch delivery system will cause us to incur significant nonrecurring branch closing costs, including data conversion costs, new signage and marketing costs, legal fees, and employee severance costs. We estimate closing and branch integration costs to be $500 to $525 during 2014, which will increase total noninterest expense and may not be fully offset by increased income on the purchased branch customer accounts during this year of purchase and integration.

 

2012 compared to 2011

 

Noninterest expenses totaled $17,392 during the year ended December 31, 2012 compared to $15,778 during 2011, up $1,614. Excluding the loss on foreclosed assets for both periods, $438 in Marathon data conversion costs, and $233 in Marathon merger professional fees, 2012 expenses would have been $16,148 compared to $14,581 during 2011, an increase of $1,567, or 10.7%.

 

Marathon operating expenses, primarily wages and monthly data processing costs, added approximately $535 in normal recurring operating expenses following the acquisition by PSB. Separate from Marathon, other increases to wages and benefits included higher health and dental insurance costs, up $226, or 26.5%, due to higher claims experience under our self insured plan, and higher incentive plan, profit sharing, and other incentive benefit plan costs, up $176, or 13.8%. Excluding Marathon related expenses, our data processing and other office operations increased $350, or 23.6%, over 2011 due to higher costs associated with our outsourced information processing system as vendor monthly discounts previously in place following the 2010 original data conversion expired during the September 2011 quarter.

 

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2011 compared to 2010

 

During 2011, total noninterest expenses were $15,778 compared to $15,925 during 2010, a decrease of $147, or 0.9%. However, operating expenses before foreclosure costs would have declined $495, or 3.3%, during 2011 compared to 2010 with $277 of the decline coming from lower FDIC insurance premiums and $220 of the decline coming from lower debit card and deposit losses. Dodd-Frank legislation effective during 2011 changed the method in which deposit insurance premiums are calculated. Premium levels are now assessed based on net assets after deducting Tier 1 regulatory capital rather than being assessed based on the level of deposits held. The effect of this change was to transfer a greater portion of total industry deposit insurance premiums to the nation’s largest banks as they typically maintain a lower percentage of deposits to assets compared to smaller banks like us. Debit card losses were higher in 2010 due to sustaining a net $110 loss from a concentrated fraud involving certain of our customer accounts. Salaries and employee benefits declined $130, or 1.5%, from $8,467 in 2010 to $8,337 in 2011 due primarily to an $89 decrease (9.5%) in health and dental insurance expense.

 

During 2011, data processing expenses increased $208, or 17.7%, compared to 2010 due to outsourced data processing costs associated with the new computer system placed in service during June 2010. However, occupancy and facilities expense declined $161 during 2011 in part from lower computer equipment depreciation expense previously incurred with the prior in-house computer system and categorized as occupancy expenses. During 2012, data processing expense is expected to increase at a rate similar to that seen during 2011 as we experience a full year of regular contract charges. Following the June 2010 conversion, we had enjoyed discounted monthly vendor charges to help offset conversion related costs incurred during the first year of using the new system.

 

Income Taxes

 

The effective tax rate was 26.0% during 2013 compared to 30.0% during 2012 and 31.3% during 2011. The 2013 effective rate declined compared to prior years as the percentage of tax-exempt income from securities and bank owned life insurance increased while total pre-tax income declined. During 2012, the effective income tax rate recorded with the gain on purchase of Marathon was 14.7% due to the large gain recognized on purchase of their tax exempt securities portfolio. Excluding the after tax gain on purchase of Marathon, the 2012 effective tax rate would have been 31.3%, the same as seen during 2011. Refer to Item 8, Note 17 of the Notes to Consolidated Financial Statements for additional tax information. We expect the 2014 effective tax rate to approximate the 31.3% seen during 2012 before the Marathon purchase gain and related income tax expense.

 

Credit Quality and Provision for Loan Losses

 

The loan portfolio is our primary asset subject to credit risk. Our process for monitoring credit risk includes quarterly analysis of loan quality, delinquencies, nonperforming assets, and potential problem loans. An allowance for loan losses is maintained for incurred losses inherent but yet unidentified in the loan portfolio due to past conditions, as well as specific allowances for loss related to individual problem loans. The allowance for loan losses represents our estimate of an amount adequate to provide for probable credit losses in the loan portfolio based on current economic conditions and past events that will result in future losses. Provisions to the allowance for loan losses are recorded as a reduction to income. Actual loan loss charge offs are charged against the allowance for loan losses when incurred.

 

The adequacy of the allowance for loan losses is assessed via ongoing credit quality review and grading of the loan portfolio, past loan loss experience, trends in past due and nonperforming loans, existing economic conditions, loss exposure by loan category, results of independent and internal loan reviews, and estimated future losses on specifically identified problem loans. We have an internal risk analysis and review staff that continuously reviews loan quality. Accordingly, the amount charged to expense is based on our multi-factor evaluation of the loan portfolio. It is our policy that when available information confirms that specific loans, or portions thereof, including impaired loans, are uncollectible, these amounts are promptly charged off against the allowance. In addition to coverage from the allowance for loan losses, nonperforming loans are secured by various collateral including business, real estate and consumer collateral. Loans charged off are subject to ongoing review and specific efforts are taken to maximize recovery of principal, accrued interest, and related expenses.

 

The allocation of the year-end allowance for loan losses for each of the past five years based on our estimate of loss exposure by category of loans is shown in Table 13. Our allocation methodology focuses on changes in the size and character of the loan portfolio, current economic conditions, the geographic and industry mix of the loan portfolio, and historical losses by category. The total allowance is available to absorb losses from any segment of the portfolio. Management allocates the allowance for loan losses by pools of risk and by loan type. We combine estimates of the allowance needed for loans analyzed individually and loans analyzed on a pool basis. The determination of allocated reserves for larger commercial loans involves a review of individual higher-risk transactions, focused on loan grading, and assessment of projected cash flows and possible resolutions of problem credits. While we use available information to recognize losses on loans, future adjustments may be necessary based on changes in economic conditions and future impacts to specific borrowers.

 

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Table 13: Allocation of Allowance for Loan Losses

 

As of December 31,  2013  2012  2011  2010  2009
      % of     % of     % of     % of     % of
  Dollar  principal  Dollar  principal  Dollar  principal  Dollar  principal  Dollar  principal
                               
Commercial, industrial,                                                  
municipal, and agricultural  $1,661    1.36%  $1,687    1.32%  $1,743    1.44%  $2,736    2.14%  $2,602    1.98%
Commercial real estate mortgage   1,958    0.89%   2,129    1.02%   2,290    1.17%   3,304    1.72%   2,641    1.36%
Residential real estate mortgage   995    0.62%   1,104    0.79%   627    0.56%   211    0.19%   191    0.19%
Consumer and individual   61    1.72%   77    1.64%   103    2.81%   213    5.42%   189    4.34%
Impaired loans   2,108    13.36%   2,434    19.57%   3,178    18.46%   1,496    13.10%   1,988    15.03%
                                                   
Totals  $6,783    1.31%  $7,431    1.53%  $7,941    1.78%  $7,960    1.81%  $7,611    1.71%

 

The following table presents our allowance for loan loss activity by loan category during the five years ended December 31, 2013.

 

Table 14: Loan Loss Experience

 

Years ended December 31  2013  2012  2011  2010  2009
                
Average balance of loans for period  $508,454   $462,237   $443,709   $443,293   $435,264 
                          
Allowance for loan losses at beginning of year  $7,431   $7,941   $7,960   $7,611   $5,521 
                          
Loans charged off:                         
                          
Commercial, industrial, municipal, and agricultural   3,650    128    867    454    479 
Commercial real estate mortgage   174    518    236    448    951 
Residential real estate mortgage   850    629    367    462    123 
Consumer and individual   69    57    117    101    83 
                          
Total charge-offs   4,743    1,332    1,587    1,465    1,636 
                          
Recoveries on loans previously charged-off:                         
                          
Commercial, industrial, municipal, and agricultural   29    6    166    7    19 
Commercial real estate mortgage   33    4    6    —    — 
Residential real estate mortgage   6    21    —    8    — 
Consumer and individual   12    6    6    4    7 
                          
Total recoveries   80    37    178    19    26 
                          
Net loans charged-off   4,663    1,295    1,409    1,446    1,610 
Provision for loan losses   4,015    785    1,390    1,795    3,700 
                          
Allowance for loan losses at end of year  $6,783   $7,431   $7,941   $7,960   $7,611 
                          
Ratio of net charge-offs during the year to average loans   0.92%   0.28%   0.32%   0.33%   0.37%
                          
Ratio of allowance for loan losses to loans receivable at end of year   1.31%   1.53%   1.78%   1.81%   1.71%

 

2013 compared to 2012

 

Provision for estimated loan losses increased significantly to $4,015 during 2013 compared to $785 in 2012, up 3,230, or 411%. We recorded a $3,340 provision for loan losses during the September 2013 quarter due to the write down of a loan to a grain commodities dealer who was discovered to have misrepresented inventory collateral, financial statements, inventory records, and federal warehouse receipts taken as collateral which impacted several banks. The borrower and its operations remain under investigation by the authorities. Separate from the large grain loss, we recorded a $675 provision for loan losses during 2013 compared to a provision of $785 during 2012, a decline of $110, or 14.0%. The loss on foreclosed assets was $428 during 2013 compared to $573 during 2012, a decline of $145, or 25.3%. Taken together, 2013 credit costs excluding the large grain loss were $1,103 compared to $1,358 in 2012, a decline of $255, or 18.8%. Refer to Note 6 of the Notes to Consolidated Financial Statements for a summary of activity in foreclosed assets.

 

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Net charge-offs of loan principal were $4,663 during 2013 ($1,323 if the large grain charge-off is excluded) compared to $1,295 during 2012. The most significant loan charge-offs during 2013 included the large $3,340 grain charge-off (outlined in detail below and equal to 100% of the unpaid loan principal at time of charge-off), $143 related to a residential 2nd mortgage used to fund a plumbing contractor (85% of loan principal), $125 related to business financing for a beautician (74% of loan principal), and $105 related to financing mobile home park rental real estate (51% of loan principal), which together represented 80% of all 2013 net charge-offs. The most significant loan charge-offs during 2012 were $282 (equal to 40% of the unpaid loan principal at time of charge-off) related to a restaurant operation including its owner occupied commercial real estate, $147 (83% of loan principal) related to a property owner and manager of non-owner occupied low cost 1 to 4 family rental housing, and $125 (73% of loan principal) related to a retail power equipment sales operation including its owner occupied commercial real estate. These three foreclosures represented 43% of all 2012 net charge-offs.

 

Allowance for inherent loan losses provided for performing loans collectively evaluated for impairment were .92% of loan principal outstanding at December 31, 2013, compared to 1.04% at December 31, 2012. Required reserves declined during 2013 as nonperforming loans declined 16.6% and significant new problem loans were not identified. Net loan charge-offs as a percentage of average loans outstanding were .92% during 2013 (.26% excluding the large grain loan charge-off) compared to .28% during 2012. The loan loss provision during 2014 is expected to increase slightly from the $675 recorded during 2013 before recognition of the large grain loss and be similar to the level seen during 2012. However, future provisions could be impacted by changes in the local unemployment rate and the actual amount of impaired and other problem loans identified by internal procedures or regulatory agencies.

 

The $3,340 commercial line of credit loss recorded in 2013 resulted from an apparent customer fraud associated with pledges of single party grain inventory represented by federal warehouse receipts or other inventory records to multiple parties as collateral and misrepresented inventory records and financial statements. We had a lending relationship with the borrower for several years, dating back to 2008.  Our monitoring of the loan relationship included weekly debtor’s certificates demonstrating weekly collateral position of the bank’s loans.  In addition, as grain was sold and proceeds came to reduce the bank’s loan balance, we normally would re-advance on the revolving lines of credit based on new collateral pledged (federal warehouse receipts and contracts for sale of grain pledged to bank). The loans had performed as required from the origination date until August 2013 when the misrepresentation was uncovered. Three other unrelated banks were also involved in the collateral based financing arrangement. One of the parties was a loan participant with us, and the other two parties operated independently from all the other banks in the arrangement. Our loan participant held an inventory line of credit outstanding of $2.0 million at the time the problem was uncovered, and the other two banks held approximately $5.0 million and $3.7 million, respectively. In total, including our $3.3 million of loan principal, there was $14.0 million in debt financing the collateral operations at the time the misrepresentation was uncovered. Based on information provided to us by others, the borrower also owed an additional $15.2 million on real estate mortgage debt outstanding at the time the collateral misrepresentation was uncovered, none of which was held by us or our loan participant.

 

In addition, recovery of our value from remaining collateral was hurt by poorly worded inter-creditor agreements related to the collateral and its cash proceeds as well as procedural problems related to lien perfections. To identify if similar risks remain with other borrowers in our loan portfolio, we considered which factors were most significant in allowing the current large credit loss to occur. The primary factors contributing to the loss included:

 

·Multiple inventory and line of credit financing lenders in the relationship, none of which were considered to be the clearly stated lead lender.
·Failure to maintain an interbank creditor agreement with all line of credit lenders that allowed completed inventory collateral audits to be concurrently reconciled to inventory records and financial statements provided to all lenders at the time of the inventory audit.
·Failure to require audited year-end financial statements rather than relying on reviewed year-end financial statements.
·Failure to identify counterfeit federal warehouse grain receipts not normally taken by us as collateral.
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Based on these heightened risk factors, we reviewed our existing loan portfolio to identify individual notes with a principal balance or outstanding principal commitment of at least $500 in which a significant collateral type in the borrowing relationship included one of the following collateral types:

 

·Fungible inventory (i.e., commodities such as fuel, agricultural products, timber, etc.)
·Readily saleable retail inventory units (i.e., vehicles, boats, etc.)
·Accounts receivable
·Other nontraditional collateral types

 

From this population, we selected all loans having at least one of the following characteristics for in-depth credit review:

 

·Borrower is not required to provide audited year-end financial statements.
·Existence of multiple unrelated lenders involved in the aggregated borrower relationship.
·Independent collateral audits are not regularly performed, or those that are performed are not also concurrently reconciled back to the borrower’s financial statements taking into account the debt positions with all lenders involved in the relationship.

Based on these selection criteria conducted during the December 2013 quarter, we identified 44 individual notes with $53,493 in outstanding total principal (representing 10.2% of company-wide gross loans receivable) and $23,876 in additional unused commitments at September 30, 2013. Included in this total were 16 notes with $24,795 in outstanding principal (and $14,215 in unused commitments) for which either an audited financial statement or a periodic collateral field audit are currently obtained, but not both. Separate from these 44 notes, there were an additional 15 individual lines of credit with no outstanding principal outstanding but unused commitments of $11,188 at September 30, 2013. The financial statement attestation level, credit documentation, and collateral arrangements for each borrower included in this selection were reviewed to determine if areas of unidentified credit risk existed, and whether they could be reduced by eliminating or mitigating these risk factors.

 

The review of these specific credits did reveal 4 total borrowers (including 6 total notes) with outstanding aggregate principal of $16,054 and unused commitments of $7,546 that require follow-up to increase the level of financial statement attestation or conduct a current audit of collateral. Although the detailed credit reviews of all 59 loans noted above having similar risk characteristics to the large 2013 grain loss is ongoing, the initial review of each borrower did not identify any significant unknown elevated risk factors that would require the credit to be newly classified as an impaired loan at December 31, 2013. In addition, the results of this credit review over the selected loans resulted in no increase to the provision for loan losses during 2013.

 

In addition to actions with the specific borrowers noted above, we implemented lending policy changes as outlined below. Many of these procedures were already utilized on most of our credits as needed but had not yet been incorporated as part of the written loan policy requirements until now.

 

·Requirement for independent document and credit review upon origination for loans above a certain principal commitment, and, for loans of any significant size, whenever a relationship is being downgraded from a performing loan grade (grades 1 through 4) to the watch grade or lower (grades 5 through 7).
·Require borrowers to which we make a large loan principal commitment over a certain dollar amount to provide audited financial statements, or, in the case of loans secured by inventory or accounts receivable, periodic collateral audits in lieu of a year-end financial statement if appropriate.
·In the case of multiple unrelated lenders providing credit secured by inventory or accounts receivable, require all lenders to agree to a combined inter-creditor agreement to coordinate collateral audit activities, loan servicing, and other management functions.

We continue to seek recovery of principal associated with the large grain loss although the intended grain commodity collateral represented by federal warehouse receipts was liquidated under the administration of the United States Department of Agriculture for the payment of debts to farmers who had consigned grain to our loan customer and had not yet been paid. In addition, the remaining operating cash from accounts receivable on sale of grain is being sought by several independent banks with competing claims of various documentation quality. Owners and principals of our customer are not expected to have significant remaining personal assets available to their creditors for collection. We have also filed a claim under our fidelity insurance policy for loss reimbursement, although it is not yet known whether loss coverage will be extended, and if extended, the extent of coverage available. Due to these challenges, extended recovery timeline, and unknowns associated with principal recovery, the entire loan balance of $3,340 was charged off against the allowance for loan losses during 2013. Any future recovery of principal would be recorded as an increase to the allowance for loan losses, which could result in increased income from a reduction to the regular provision for loan losses expense.

 

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While the general credit quality of our loan portfolio and identified problem loans continues to improve, the local economic conditions are fragile and slow growing in central and northern Wisconsin, and during 2012, large local employers in the paper manufacturing, window manufacturing, and insurance claim processing industries announced plant closures, job reductions, or loss of key customer contracts. Our market area has a higher than typical allocation of resurces in the manufacturing sector, although the greatest economic growth for many years has been in health and education services. The local paper and wood industries have, and continue to experience, a long-term production decline. The local retail sales environment also declined during 2013 as J.C. Penney Company, Inc., Gap, Inc., and Abercrombie & Fitch, Co. brand Hollister announced store closures within our primary markets.

 

We expect these conditions to restrain economic growth as some borrowers continue to manage fragile cash flows and debt servicing ability. In addition, the loss of the significant employers mentioned previously may have a significant negative impact on small local municipalities that depended on these closed manufacturing plants for tax assessment base and utility revenue. At December 31, 2013, $3,090 of tax exempt general obligation and tax incremental financing district development loans receivable with a local municipality expected to be significantly negatively impacted due to a plant closure were classified as performing, but impaired loans with no specific reserve. During the June 2014 quarter, we may restructure this loan to extend the life of the tax incremental financing district so that existing property tax collections from real estate located within the district continue for a period long enough to fully pay the original district development costs. This debt restructuring is expected to be classified as a troubled debt restructuring, which would increase non performing loans beginning June 30, 2014.

 

Nonperforming loans are reviewed to determine exposure for potential loss within each loan category. The adequacy of the allowance for loan losses is assessed based on credit quality and other pertinent loan portfolio information. The adequacy of the allowance and the provision for loan losses is consistent with the composition of the loan portfolio and recent internal credit quality assessments. We maintain our headquarters and one branch location in the City of Wausau, Wisconsin, and maintain the majority of our deposits (including five of our eight locations), and loan customers in Marathon County, Wisconsin. The significant majority of our customers and borrowers live and work in Marathon, Oneida, and Vilas Counties, Wisconsin, in which we have branch locations. The unemployment rate (not seasonally adjusted) in the Wausau-Marathon County, Wisconsin MSA was 5.7% at December 2013 compared to 6.6% at December 2012. The unemployment rate in Oneida County, Wisconsin was 8.6% at December 2013 compared to 9.6% at December 2012. The unemployment rate in Vilas County, Wisconsin was 10.7% at December 2013 compared to 10.9% at December 2012. The unemployment rate for all of Wisconsin (not seasonally adjusted) was 5.8% at December 2013 compared to 6.6% at December 2012. A recently published local economic outlook survey of business owners for our market area points to expectations of an improving local economy with some businesses considering a local capital expansion, although an overall economic rebound is considered further out in the future towards the end of 2014.

 

2012 compared to 2011

 

Provision for estimated loan losses declined to $785 in 2012 from $1,390 in 2011, down 43.5%. The provision for loan losses decreased during 2012 as fewer new problem loans were identified and some large existing problem loans were favorably resolved or resolved within projected loss parameters using existing reserves expensed in prior years. During 2012, approximately $3.8 million of new loans were added to nonperforming loans, down 57% from approximately $8.9 million in loans added to nonperforming loans during 2011. In addition, losses on foreclosed assets declined $624, or 52.1%, to $573 during 2012 compared to $1,197 during 2011. The decline was due to a decrease in partial write-downs of foreclosed assets as local real estate values stabilized. During 2012, provision for partial write-downs charged to loss on foreclosed assets was $485 compared $992 during 2011, down $507. Total credit costs as represented by the provision for loan losses and loss on foreclosed assets were $1,358 during 2012 and $2,587 during 2011, down $1,229, or 47.5%.

 

Net charge-offs of loan principal were $1,295 during 2012 compared to $1,409 during 2011, a decline of $114, or 8.1%. The most significant loan charge-offs during 2012 were $282 (equal to 40% of the unpaid loan principal at time of charge-off) related to a restaurant operation including its owner occupied commercial real estate, $147 (83% of loan principal) related to a property owner and manager of non-owner occupied low cost 1 to 4 family rental housing, and $125 (73% of loan principal) related to a retail power equipment sales operation including its owner occupied commercial real estate. These three foreclosures represented 43% of all 2012 net charge-offs. The next six largest 2012 charge-off relationships incurred $380 in aggregate charge-offs, averaging $63 per relationship. Therefore, the nine largest charge-off relationships totaled $934, or 72% of all 2012 net charge-offs. The majority of gross loan charge-offs during 2011 were related to six borrowers totaling $1,143, or 72% of all charge-offs, with the largest charge off of $700 related to a line of credit to a building supply company.

 

2011 compared to 2010

 

Provision for estimated loan losses declined to $1,390 in 2011 from $1,795 in 2010. The provision for loan losses decreased during 2011 compared to 2010 due to a reduction in seriously delinquent nonaccrual loans of $1,065, or 11.8%, during 2011 and identification of fewer new problem loans as the local economy and borrower credit stabilized. However, loss on foreclosed assets increased $348, or 41.0% to $1,197 during 2011 compared to $849 during 2010 from a larger amount of partial write-downs to foreclosed properties. Partial write-downs were $992 during 2011 and $405 during 2010. Total credit costs as represented by the provision for loan losses and loss on foreclosed property was largely unchanged and was $2,587 during 2011 and $2,644 during 2010.

 

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The majority of gross loan charge-offs during 2011 were related to six borrowers totaling $1,143, or 72% of all charge-offs, with the largest charge off of $700 related to a line of credit to a building supply company. The majority of gross loan charge-offs during 2010 were related to five borrowers totaling $1,064, or 73% of all charge-offs, with the largest charge-off of $448 related to a non-owner multi-use, multi-tenant commercial real estate development, the majority of which was sold during 2011.

 

During the March 2011 quarter, we underwent a comprehensive update of our process to categorize impaired loans, estimate the related allowance for loan losses on impaired loans, and estimate inherent losses on other portfolio loans not considered to be impaired. This review did not significantly increase or decrease the amount of allowance for loan losses required on the bank wide portfolio compared to our previous method of estimating loss allowances. However, our new method did allocate a greater amount of the reserve to impaired loans. During 2011, we streamlined internal criteria to classify a loan as impaired which now includes all nonaccrual loans, all restructured loans (whether performing or not), and other loans with the potential to become nonaccrual or restructured in the next year. Prior to 2011, impaired loans were generally defined to include larger commercial purpose loans only and did not include all nonaccrual or restructured loans. Refer to Note 5 of the Notes to Consolidated Financial Statements for the loan loss activity by loan category during 2011, including the net changes to the provision for loan losses by category. In general, the change resulted in a reallocation of allowance previously assigned to commercial real estate to the residential real estate category.

 

Nonperforming Assets

 

Nonperforming assets include: (1) loans that are either contractually past due 90 days or more as to interest or principal payments, on a nonaccrual status, or the terms of which have been renegotiated to provide a reduction or deferral of interest or principal (restructured loans), (2) investment securities in default as to principal or interest, and (3) foreclosed assets. Table 15 presents nonperforming loans and assets by category for the five years ended December 31.

 

Table 15: Nonperforming Loans and Foreclosed Assets

 

As of December 31,  2013  2012  2011  2010  2009
                          
Nonaccrual loans (excluding restructured loans)  $3,704   $6,491   $5,893   $7,127   $11,829 
Nonaccrual restructured loans   3,636    1,224    2,081    1,912    1,469 
Restructured loans not on nonaccrual   1,299    2,965    6,220    2,383    — 
Accruing loans past due 90 days or more   —    —    —    —    — 
                          
Total nonperforming loans   8,639    10,680    14,194    11,422    13,298 
Nonaccrual trust preferred investment security   —    —    750    —    — 
Foreclosed assets   1,750    1,774    2,939    4,967    3,776 
                          
Total nonperforming assets  $10,389   $12,454   $17,883   $16,389   $17,074 
Impaired loans considered to be performing  $7,136   $1,969   $3,026   $6,398   $3,774 
                          
Total nonperforming loans as a percent of gross loans   1.67%   2.20%   3.19%   2.60%   2.99%
Total nonperforming assets as a percent of total assets   1.46%   1.75%   2.87%   2.64%   2.81%

 

Loans are placed on nonaccrual status when contractually past due 90 days or more as to interest or principal payments. Previously accrued and uncollected interest on such loans is reversed, and future payments received are applied in full to reduce remaining loan principal. No income is accrued or recorded on future payments until the loan is returned to accrual status. Nonaccrual loans and restructured loans maintained on accrual status remain classified as nonperforming loans until the uncertainty surrounding the credit is eliminated. In general, uncertainty surrounding the credit is eliminated when the borrower has displayed a history of regular loan payments using a market interest rate that is expected to continue as if a typical performing loan.

 

Upon return to accrual status, the interest portion of past payments that were applied to reduce nonaccrual principal is taken back into income. The interest that would have been reported in 2013 if all such loans had been current throughout the year in accordance with their original terms was approximately $505 in comparison to $108 actually recorded in income. The interest that would have been reported in 2012 if all such loans had been current throughout the year in accordance with their original terms was approximately $564 in comparison to $125 actually recorded in income. The interest that would have been reported in 2011 if all such loans had been current throughout the year in accordance with their original terms was approximately $647 in comparison to $124 actually recorded in income.

 

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Troubled debt restructured loans (“TDR”) are also included in nonperforming loans. Restructured loans involve the granting of concessions to the borrower involving the modification of terms of the loan, such as changes in payment schedule or interest rate, or capitalization of unpaid real estate taxes or unpaid interest that the lender would not normally grant. The majority of restructured loans represent conversion of amortizing commercial purpose loans to interest only loans for a temporary period to increase the problem borrower’s cash flow. The remaining restructured loans granted a lower interest rate to borrowers for a temporary period to increase borrower operating cash flow. Such loans are subject to management review and ongoing monitoring and are made in cases where the borrower’s delinquency is considered short-term from circumstances the borrower is believed able to overcome or which would reduce our estimated total credit loss on the relationship. All restructured loans, both nonaccrual and accrual status, remain classified as nonperforming loans. Therefore, some borrowers continue to make substantially all required payments while maintained on non-accrual status.

 

Substantially all of our residential mortgage loans originated for and held in our loan portfolio were based on conventional and long standing underwriting criteria and are secured by first mortgages on homes in our local markets. We were never an originator of higher risk loans such as option ARM products, high loan-to-value ratio mortgages, interest only loans, subprime loans, or loans with initial teaser rates that can have a greater risk of non-collection than other loans. At December 31, 2013, approximately $760 of loans receivable were 1 – 4 family home equity or junior lien mortgage loans in which the maximum commitment amount of the line of credit plus existing senior liens is greater than 100% of the underlying real estate value, or the loan was in a 3rd mortgage position or lower, compared to $1,554 at December 31, 2012, and $2,300 at December 31, 2011. Such loans were not originated as part of a program to add higher yielding loans to our portfolio but were loans made on a case by case basis and individually underwritten with the borrower customized to their need. We do not maintain a formal residential mortgage modification program for delinquent residential mortgage borrowers.

 

2013 compared to 2012

 

Total nonperforming assets decreased $2,065, or 16.6%, to $10,389 at December 31, 2013 compared to $12,454 at December 31, 2012. At December 31, 2013, the allowance for loan losses was $6,783, or 1.31% of total loans (79% of nonperforming loans), compared to $7,431, or 1.53% of total loans (70% of nonperforming loans) at December 31, 2012. Approximately 20% of total nonperforming assets are made up of three individual nonperforming relationships greater than $500 at December 31, 2013 compared to 11% (two relationships) of nonperforming assets at December 31, 2012 and 52% (nine relationships) at December 31, 2011. Total nonperforming assets as a percentage of tangible common equity including the allowance for loan losses (the “Texas Ratio”) as shown in Table 35 was 16.80% at December 31, 2013 compared to 20.54% at December 31, 2012 and 31.32% at December 31, 2011. For the purpose of this measurement, tangible common equity is equal to total common stockholders’ equity less mortgage servicing right assets.

 

During 2014, restructured loans could increase as we work with problem borrowers to minimize the level of potential future charge-offs and maximize our cumulative total principal repayment if the local and national economies fail to experience a meaningful economic recovery. As described previously, we may reclassify a $3,090 municipal development tax incremental financing district loan as restructured debt during 2014, which would increase nonperforming assets. Although some new restructured loans may continue on accrual status following modification as is expected for this municipal loan, the restructured designation would still increase total nonperforming loans and could increase the provision for loan losses.

 

Approximately 20% of total nonperforming assets were represented by the following aggregate credits or foreclosed properties greater than $500 at December 31, 2013:

 

Table 16: Largest Nonperforming Assets at December 31, 2013 ($000s)

 

Collateral Description  Asset Type  Gross Principal  Specific Reserves
          
Owner occupied cabinetry contractor real estate and equipment  Nonaccrual  $731   $304 
Owner occupied multi use, multi-tenant real estate  Nonaccrual   658    107 
Owner occupied commercial office and residential rentals  Nonaccrual   642    51 
              
Total listed nonperforming assets     $2,031   $462 
Total bank wide nonperforming assets     $10,389   $1,936 
Listed assets as a percent of total nonperforming assets      20%   24%

 

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The following Table 17 presents the following aggregate credits greater than $500 considered to be impaired but performing loans at December 31, 2013. In general, loans not classified as nonaccrual or restructured may be classified as impaired due to elevated potential credit risk but still be considered performing. Such loans are not included in nonperforming assets in Table 16 above.

 

Table 17: Largest Performing, but Impaired Loans at December 31, 2013 ($000s)

 

Collateral Description  Asset Type  Gross Principal  Specific Reserves
       
Municipal tax incremental financing district (TID) debt issue  Impaired  $3,090   $— 
Owner occupied light manufacturing facility and equipment  Impaired   1,725    — 
Owner occupied cabinetry contractor real estate and equipment  Impaired   700    — 
              
Total listed performing, but impaired loans     $5,515   $— 
Total performing, but impaired loans     $7,136   $172 
Listed assets as a percent of total performing, but impaired loans      77%   0%
              

 

The following section summarizes activity associated with the large nonperforming loans shown in Table 18 as of December 31, 2012 and their activity during 2013 as well as one new nonaccrual large problem loan was added to Table 16 during 2013.

 

During 2010, we restructured the loan terms on $754 of loan principal to lower the interest rate on existing debt with a borrower in the cabinetry contracting industry to increase cash flow during a large decline in customer sales. During 2011, the borrower sold the business to a competitor but retained a mortgage on the production facility which was leased to the new business owner and gave a purchase option within three years to the new business owner. At December 31, 2011 and 2012, this loan was classified as a performing restructured loan with outstanding principal of $764 (Table 20) and $752 (Table 18), respectively. During 2013, the new business owner ceased to use the production facility which now sits idle. In response, the remaining principal balance was reclassified as a nonaccrual loan. Customer payments received while in nonaccrual status reduced the remaining nonaccrual balance shown in Table 16 to $731 at December 31, 2013. The specific allowance associated with this loan increased from $87 at December 31, 2012 to $304 at December 2013 to reflect non-usage of the building, an updated appraisal value, and the likelihood of bank foreclosure and liquidation of the collateral.

 

During 2011, we restructured an owner occupied commercial real estate loan with an insurance agency. The building was constructed during 2008 and included additional space to rent to unrelated service businesses. The debt was restructured to extend the amortization period to support declining borrower cash flow as portions of the building remained vacant. The restructured loan of $688 was maintained on accrual status as reflected in Table 20 at December 31, 2011 with a specific allowance of $195, and was reflected in Table 18 with restructured principal of $664 and a specific allowance of $182 at December 31, 2012. Customer financial performance deteriorated during 2013 and we reclassified the $642 loan to nonaccrual status as shown in Table 16 due to the increased likelihood of bank foreclosure and liquidation. The specific allowance associated with the loan decreased from $182 at December 31, 2012 to $107 at December 31, 2013 from an updated favorable property appraisal obtained during 2013.

 

During 2013, we downgraded one borrower’s various non-owner occupied commercial real estate loans to nonaccrual status having $642 of principal outstanding as shown in Table 16. The credit extension originally financed the purchase of real estate for rental purposes as well as for equipment and working capital needs for a related new restaurant. During 2013, the restaurant closed and cash flows were negatively impacted by tenant payment delinquencies and the need for building capital improvements which resulted in the borrower falling behind in property tax payments. A specific loss of $51 is maintained against this loan based on property liquidation values in the potential event of bank foreclosure and liquidation. The customer continues to make some payments on the debt but we cannot predict the final timing or resolution of this problem loan.

 

2012 compared to 2011

 

Total nonperforming assets decreased $5,429, or 30.4%, to $12,454 at December 31, 2012 compared to $17,883 at December 31, 2011. Most of the improvement occurred during the December 2012 quarter when $3,345 from two performing restructured loan relationships held at December 31, 2011 repaid without loss, and our largest foreclosed asset with a basis of $1,280 at December 31, 2011 was sold. These three transactions represented 85% of the decline in nonperforming assets during 2012. At December 31, 2012, the allowance for loan losses was $7,431, or 1.53% of total loans (70% of nonperforming loans), compared to $7,941, or 1.78% of total loans (56% of nonperforming loans) at December 31, 2011.

 

Approximately 11% of total nonperforming assets were represented by the following aggregate credits or foreclosed properties greater than $500 at December 31, 2012:

 

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Table 18: Largest Nonperforming Assets at December 31, 2012 ($000s)

 

Collateral Description  Asset Type  Gross Principal  Specific Reserves
          
Owner occupied cabinetry contractor real estate and equipment  Accrual TDR  $752   $87 
Owner occupied multi use, multi-tenant real estate  Accrual TDR   664    182 
              
Total listed nonperforming assets     $1,416   $269 
Total bank wide nonperforming assets     $12,454   $2,207 
Listed assets as a percent of total nonperforming assets      11%   12%

 

Table 19: Largest Performing, but Impaired Loans at December 31, 2012 ($000s)

 

Collateral Description  Asset Type  Gross Principal  Specific Reserves
          
Owner occupied cabinetry contractor real estate and equipment  Impaired  $686   $25 
              
Total listed performing, but impaired loans     $686   $25 
Total performing, but impaired loans     $1,969   $227 
Listed assets as a % of total performing, but impaired loans       35%   11%

 

The following section summarizes activity associated with the large nonperforming loans shown in Table 20 as of December 31, 2011 and their activity during 2012 not already discussed as properties continuing on Table 16 at December 31, 2013. No new large non-performing loans were added to Table 18 during 2012.

 

During 2011, we restructured commercial mortgage loans collateralized by a hotel in Northern Wisconsin to change borrower payments from amortizing to interest only due to a decline in revenue. This loan relationship was included in Table 20 at December 31, 2011 as $1,767 of gross principal. During 2012, the borrower used the sale proceeds of an unrelated commercial property to repay the remaining balance in full without loss.

 

During 2011, we restructured commercial mortgage loans collateralized by cranberry producing agricultural real estate to change from amortizing payments to interest only payments as the property owner sought to sell the operation or partner with new investors. This loan relationship was included in Table 20 at December 31, 2011 as $1,578 of gross principal. During 2012, the borrower used the proceeds from sale of the cranberry operation to repay the remaining balance in full without loss.

 

During 2009, $3.3 million of foreclosed properties originally related to a $5.8 million land development loan were sold at auction at a loss of $452 excluding a previously expensed $125 auction marketing fee. The remaining $2,477 foreclosed asset was further written down $427 to an estimated fair value of $2,050 at December 31, 2009 for total valuation losses on the property of $1,004 during 2009 when including the marketing fee. During 2010, one of the four remaining individual properties was sold and the entire $283 sale proceeds were applied to reduce cost basis of the remaining properties. During 2011, the remaining properties were further written down an additional $487 due to declining real estate values for this type of vacation property. The remaining three properties were shown in Table 20 with a cost basis of $1,280 at December 31, 2011. During 2012, we recorded a final write-down of value of $280 and later sold the remaining properties for a final loss of $57. Of the original $5.8 million development, credit losses from charge offs, write-down, or marketing costs were $1,004 during 2009, $487 during 2011, and $337 during 2012, for total losses of $1,828, or approximately 32% of the original development.

 

During 2010, we entered into a restructuring agreement on a $1,177 commercial real estate loan with a local developer and owner of multi-family apartment complexes to extend the amortization period on existing debt to increase cash flow available to the developer to meet real estate tax and other obligations. At December 31, 2011, the $1,240 debt as reflected in Table 20 was maintained on accrual status with a specific loss reserve of $302. During 2012, we entered into an agreement with the borrower for the sale of a portion of the collateral and payment of the proceeds on the outstanding balance and recognized a $32 loan charge-off. At December 31, 2012, we retained a junior residential mortgage lien on the borrower’s home totaling $266 classified as an accrual basis restructured loan on which a specific allowance for losses of $186 is maintained. The loan was considered as an accruing troubled debt restructuring at December 31, 2013 and 2012.

 

During 2011, we were informed by Johnson Financial Capital Trust of its intent to defer payment of interest on its 7% trust preferred capital debentures. Johnson Financial Group is the holding company for Johnson Bank, headquartered in Racine, Wisconsin and is the second largest bank headquartered in Wisconsin. Our investment in the $750 debentures was placed on nonaccrual status and no interest income was recorded during 2011. During 2012, the family ownership of Johnson Financial Group recapitalized the bank with approximately $235 million in equity capital and received approval by the regulators to repay all past due interest associated with our investment. During 2012, $105 of interest income was recorded on this investment, reflecting all earned income from 2011 and 2012. The investment was considered to be performing at December 31, 2013 and 2012.

 

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During 2009, we restructured a $613 loan secured by an owner occupied restaurant to increase borrower cash flow and allow the business to continue operating. During 2010, the borrower’s residential mortgage loan was also classified as a nonperforming loan which increased net nonperforming principal by $93 to $706 at December 31, 2010. During 2011, $31 of payments were received reducing the balance to $675 as shown in Table 20 for December 31, 2011 with a specific reserve of $150. During 2012, the restaurant closed and we foreclosed on the remaining assets and incurred a $282 charge-off, which was our largest loan charge-off during 2012. At December 31, 2012, foreclosed assets included $302 of value assigned to the property based on expected future sales proceeds and selling costs which was written down to $225 at December 31, 2013 reflecting a declining fair market value. We reaffirmed the borrower’s $91 residential mortgage loan during 2012 but maintain the loan on nonaccrual status at December 31, 2013. Although we are adequately collateralized on the remaining mortgage loan, we cannot predict the final timing or resolution of this problem loan.

 

During 2007, we entered into a syndicated construction loan agreement sold by Bankers’ Bank Madison, Wisconsin, for construction of vacation condos and an adjacent water park near Hollister, Missouri. The construction loan was intended to be repaid by the proceeds from a municipal tax incremental financing debt issue by the local municipality. When the credit markets for such financing dried up, the project was unable to continue and land development work ceased. The loan participants obtained the property in foreclosure during 2009. The original fair value estimate of the completed project was approximately $24 million. At the time of foreclosure, we valued our asset using a new liquidation value appraisal based on our approximately 7% ownership of the project resulting in a cost basis of $792 at December 31, 2010 and 2009. During 2011, a new appraisal identified a further decline in value and the foreclosed property was written down an additional $205 to its new cost basis of $587 as reflected in Table 17 at December 31, 2011. During 2012, a new appraisal identified a further decline in value and the foreclosed asset was written down an additional $137 to its new cost basis of $450. The property was written down an additional $213 during 2013 to its new basis of $237 at December 31, 2013. At this time, we are unable to determine the final resolution of this property and further write-downs of value could be required during 2014 when updated appraisals are obtained or the property is sold.

 

2011 compared to 2010

 

Nonperforming assets increased $1,494, or 9.1%, to $17,883 (2.87% of total assets) at December 31, 2011, from $16,389 (2.64% of total assets) at December 31, 2010 as restructured loans to troubled borrowers that performed according to restructured terms increased by $3,837, or 161.0%. Although these restructured loans are accruing interest, they are still classified as nonperforming loans. Non-performing loans relative to total loans increased significantly from 2.60% at December 31, 2010 to 3.19% at December 31, 2011 due to addition of $3,837 of restructured loans which continued to perform on their restructured terms. However, foreclosed assets decreased from $4,967 at December 31, 2010 to $2,939 at December 31, 2011. Including the trust preferred investment security issued by Johnson Financial Group, total nonperforming assets increased $1,494, or 9.1% to $17,883 at December 31, 2011. After 2010, when the decline in local economic conditions stabilized, the local economy remained slow to recover, which impacted borrower ability to repay according to the loan terms. At December 31, 2011, the unemployment rate was 6.6% in Wisconsin and 6.5% in Marathon County (the home of the majority of our borrowers and down from 7.1% at December 31, 2010) compared to a rate of 8.5% for the United States.

 

Approximately 52% of total nonperforming assets were represented by the following aggregate credits or foreclosed properties greater than $500 at December 31, 2011:

 

Table 20: Largest Nonperforming Assets at December 31, 2011 ($000s)

 

Collateral Description  Asset Type  Gross Principal  Specific Reserves
              
Northern Wisconsin hotel  Accrual TDR  $1,767   $— 
Cranberry producing agricultural real estate  Accrual TDR   1,578    — 
Vacation home/recreational properties (three)  Foreclosed   1,280    n/a 
Multi-family rental apartment units and vacant land  Accrual TDR   1,240    302 
Owner occupied cabinetry contractor real estate and equipment  Accrual TDR   764    47 
Johnson Financial Group (WI) Capital Trust III debentures  Nonaccrual   750    — 
Owner occupied multi use, multi-tenant real estate  Accrual TDR   688    195 
Owner occupied restaurant real estate and business assets  Nonaccrual   675    150 
Out of area condo land development - loan participation  Foreclosed   587    n/a 
              
Total listed nonperforming assets     $9,329   $694 
Total bank wide nonperforming assets     $17,883   $2,659 
Listed assets as a percent of total nonperforming assets      52%   26%

 

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Table 21: Largest Performing, but Impaired Loans at December 31, 2011 ($000s)

 

Collateral Description  Asset Type  Gross Principal  Specific Reserves
          
Owner occupied cabinetry contractor real estate and equipment  Impaired  $790   $98 
Owner occupied manufacturer real estate & equipment  Impaired   615    — 
              
Total listed performing, but impaired loans     $1,405   $98 
Total performing, but impaired loans     $3,026   $519 
Listed assets as a % of total performing, but impaired loans       46%   19%

 

The trend and resolution of each large non performing asset reflected in Table 20 at December 31, 2011 was previously addressed under the subheadings of 2013 compared to 2012, and 2012 compared to 2011 above.

 

 

ASSET GROWTH AND LIQUIDITY

 

Balance Sheet Changes and Analysis

 

Summary balance sheets at December 31 for each of the five years in the period ended December 31, 2013 are presented in Table 1 of Item 6 to this Annual Report on Form 10-K. Total assets declined $425, less than .01%, to $711,541 during 2013 as cash and cash equivalents and investment securities on hand at the beginning of the year remaining from the Marathon purchase were used to fund loan growth and deposit growth was used to pay down out of area wholesale funding. Total assets increased $89,099, or 14.3%, during 2012 due to the acquisition of Marathon during 2012. A breakdown of the assets acquired in the purchase of Marathon are listed in Note 2 of the Notes to Consolidated Financial Statements. Presented in Table 22 below is a summary balance sheet for the five years ended December 31, 2013 as a percentage of total assets.

 

Table 22: Summary Balance Sheet as a Percent of Total Assets

 

As of December 31,  2013  2012  2011  2010  2009  
                
Cash and cash equivalents   4.4%   6.9%   6.1%   6.5%   4.3%
Securities   18.7%   20.4%   17.5%   17.4%   17.5%
Total loans receivable, net of allowance   71.7%   67.1%   70.3%   69.5%   72.1%
Premises and equipment, net   1.4%   1.4%   1.6%   1.7%   1.7%
Bank owned life insurance   1.8%   1.7%   1.8%   1.8%   1.7%
Other assets   2.0%   2.5%   2.7%   3.1%   2.7%
                          
Total assets   100.0%   100.0%   100.0%   100.0%   100.0%
                          
Total deposits   81.1%   79.5%   77.4%   75.0%   75.5%
FHLB advances   5.3%   7.0%   8.0%   9.2%   9.6%
Other borrowings   2.9%   2.9%   3.2%   5.1%   4.6%
Senior subordinated notes   0.6%   1.0%   1.1%   1.1%   1.2%
Junior subordinated debentures   1.1%   1.1%   1.2%   1.2%   1.3%
Other liabilities   1.0%   0.9%   1.0%   0.9%   0.8%
Stockholders’ equity   8.0%   7.6%   8.1%   7.5%   7.0%
                          
Total liabilities and stockholders’ equity   100.0%   100.0%   100.0%   100.0%   100.0%

 

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The following table summarizes the sources and uses of cash and cash equivalents during the three years ended December 31, 2013 to identify trends in operating, financing, and investing cash flows by asset class and funding source.

 

Table 23: Summary Sources and Uses of Cash and Cash Equivalents

 

Year Ended December 31,  2013  2012  2011  
          
Cash flows from operating activities  $13,034   $7,556   $9,657 
Payment of dividends to shareholders and purchase of treasury stock   (1,558)   (1,509)   (1,168)
                
Operating cash flow retained by PSB   11,476    6,047    8,489 
Net funds received from retail and local depositors   9,229    3,375    8,517 
Net funds received from wholesale depositors   2,902    —    7,735 
Net proceeds from other borrowings   —    1,037    — 
Proceeds from additional capital received from shareholders   —    9    45 
                
Cash flow retained from operations and financing before debt repayment   23,607    10,468    24,786 
Net funds repaid to wholesale depositors   —    (20,109)   — 
Net repayment of FHLB advances   (12,075)   —    (7,310)
Net repayment of other borrowings, net   (287)   —    (11,820)
Repayment of senior subordinated notes   (3,000)   —    — 
                
Cash flow retained from operations and financing after debt repayment   8,245    (9,641)   5,656 
Funds received from sale and maturities of investment securities, net   49,312    60,068    21,347 
Net redemption of bank certificates of deposit   2,229    —    — 
Cash acquired on purchase of Marathon State Bank   —    14,910    — 
Redemption of FHLB capital stock   —    744    — 
Proceeds from sale of nonmonetary assets   831    1,527    1,002 
                
Cash flow available for investing activities   60,617    67,608    28,005 
                
Net funds loaned to customers   (36,746)   (10,349)   (7,130)
Net funds invested in securities   (40,201)   (44,064)   (22,718)
Purchase of bank certificates of deposit   —    (1,981)   — 
Payments for purchase of FHLB capital stock   (50)   —    — 
Funds used to purchase bank-owned life insurance   (611)   —    (92)
Premises and equipment capital expenditures   (334)   (572)   (191)
                
Cash flow used in investing activities   (77,942)   (56,966)   (30,131)
                
Net increase (decrease) in cash and cash equivalents held at beginning of year  $(17,325)  $10,642   $(2,126)
Cash and cash equivalents at beginning of year   48,847    38,205    40,331 
                
Cash and cash equivalents at end of year  $31,522   $48,847   $38,205 

 

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2013 compared to 2012

 

Total assets were $711,541 at December 31, 2013 compared to $711,966 at December 31, 2012. During the year ended December 31, 2013, cash and cash equivalents and investment securities declined $29,255 to fund $12,777 in commercial related loan growth, up 3.7%, and $18,878 in residential real estate loan growth, up 13.5%. Since December 31, 2012, local deposits increased $9,170, up 1.8%, which were used to pay down maturing wholesale funding by $9,173, down 7.8%. Wholesale funding (including brokered certificates of deposit, Federal Home Loan Bank advances, and wholesale repurchase agreements) was $108,908 (15.3% of total assets) at December 31, 2013 compared to $118,081 (16.6% of total assets) at December 31, 2012.

 

During 2014, we expect to use local deposit growth and wholesale funding as needed to fund net commercial related loan growth of $10 million to $20 million year over year compared to 2013. To the extent that funds are not needed for loan growth, we expect to continue to pay down wholesale funding during 2014. Assuming our announced acquisition of The Baraboo National Bank’s Rhinelander, Wisconsin branch is completed during 2014, we expect to end 2014 with total assets in excess of $760 million, a growth rate of approximately 7% over December 31, 2013.

 

2012 compared to 2011

 

Total assets were $711,966 at December 31, 2012, up $89,099 (14.3%) compared to December 31, 2011. During the year ended December 31, 2012, a $101,385 increase in core deposits, primarily from the acquisition of Marathon, funded a $20,109 pay down of maturing brokered certificates of deposit and the majority of the $89,099 net growth in total assets. 2012 asset growth consisted primarily of $10,642 in cash and overnight investments, $26,833 in residential first and junior lien mortgage loans (up 23.8%), $12,953 in commercial related loans (up 3.9%), and $36,532 in investment securities (up 33.6%).

 

Marathon’s total assets were $107,364 on the June 1, 2012 acquisition date, including $62,260 of securities and short-term investments. Following the purchase date, maturity proceeds from the acquired Marathon investment securities and Marathon’s existing cash holdings were used to pay down wholesale funding. Wholesale borrowings, including brokered and national deposits, FHLB advances, and wholesale repurchase agreements decreased $20,109 during 2012 and were $118,081 at December 31, 2012 compared to $138,190 at December 31, 2011. Wholesale funding to total assets was 16.6% at December 31, 2012 and 22.2% at 2011.

 

Investment Securities Portfolio

 

The investment securities portfolio is intended to provide us with adequate liquidity, flexible asset/liability management, and a source of stable income. In general, securities classified as available for sale include highly liquid agency issued debentures or mortgage related securities with average lives less than 5 years. Changes in the unrealized gain on available for sale securities is recorded as an adjustment to stockholders’ equity and included in the computation of comprehensive income, net of income tax effects. Conversely, securities held to maturity typically include long-term debt securities issued by municipalities with original terms of 10 to 12 years. Securities held to maturity are less liquid and have traditionally been held until maturity. Due to the long final maturity of these securities, they are more sensitive to increases in market rates which can create unrealized loss positions. Changes in the unrealized gain or loss on securities held to maturity are not reflected as an adjustment to stockholders’ equity and are not included in the computation of comprehensive income. During 2010, the entire municipal security portfolio and nonrated trust preferred securities and senior subordinated notes with fair value totaling $54,130 (including an unrealized gain of $2,552) were transferred from securities available for sale to securities held to maturity. These securities were transferred to better reflect our intent and practice to hold these long-term securities until maturity and to minimize potential volatility to stockholders’ equity from future changes in unrealized gains and losses in a rising interest rate environment. The original unrealized gain of $2,552 on the security transfer date during 2010 is being amortized against the new cost basis (equal to transfer date fair value) over the remaining life of the securities and approximately $1,030 (40%) of the original gain remains unamortized at December 31, 2013.

 

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Table 24 presents the fair value of securities held by us at December 31, 2013, 2012, and 2011.

 

Table 24: Investment Securities Distribution – At Fair Value

 

   As of December 31
   2013  2012  2011
   Fair  % of  Fair  % of  Fair  % of
Securities available for sale:  Value  Portfolio  Value  Portfolio  Value  Portfolio
                   
U.S. Treasury securities and obligations of U.S. government agencies  $999    0.75%  $10,027    6.79%  $518    0.47%
                               
U.S. agency residential mortgage backed securities   21,486    16.12%   14,397    9.75%   19,816    18.00%
                               
U.S. agency residential collateralized mortgage obligations   37,904    28.43%   45,243    30.62%   38,573    35.02%
                               
Privately issued residential collateralized mortgage obligations   105    0.08%   173    0.12%   429    0.39%
                               
Obligations of states and political subdivisions   159    0.12%   —    0.00%   —    0.00%
                               
Nonrated commercial paper   —    0.00%   5,500    3.72%   —    0.00%
                               
Nonrated SBA loan fund   950    0.71%   —    0.00%   —    0.00%
                               
Other equity securities   47    0.04%   47    0.03%   47    0.04%
                               
Total securities available for sale   61,650    46.25%   75,387    51.03%   59,383    53.92%
                               
Securities held to maturity:                              
                               
Obligations of states and political subdivisions   69,876    52.40%   70,455    47.68%   49,010    44.50%
                               
Nonrated trust preferred securities   1,389    1.04%   1,499    1.01%   1,332    1.21%
                               
Nonrated senior subordinated notes   407    0.31%   410    0.28%   409    0.37%
                               
Total securities held to maturity   71,672    53.75%   72,364    48.97%   50,751    46.08%
                               
Total investment securities  $133,322    100.00%  $147,751    100.00%  $110,134    100.00%

 

At December 31, 2013, 2012, and 2011, our securities portfolio did not contain securities of any single issuer where the aggregate carrying value of such securities exceeded 10% of stockholders’ equity, except for combined senior debentures and guaranteed mortgage related securities issued by U.S. Agencies such as the FHLB, FNMA, or FHLMC.

 

Securities with an approximate fair value of $47,593, and $44,914, at December 31, 2013 and 2012, respectively, were pledged primarily to secure public deposits, customer overnight repurchase agreements (classified as other borrowings), and for other purposes required by law, representing approximately 36% and 32% of securities eligible for pledging at December 31, 2013 and 2011, respectively, before consideration of any pledge “haircuts” or other limitations associated with various types of securities. Securities considered ineligible for pledging include privately issued collateralized mortgage obligations, nonrated commercial paper, other equity securities, nonrated SBA loan fund, and nonrated trust preferred and senior subordinated note securities.

 

As a member of the FHLB system, we are required to hold stock in the FHLB based on borrowings advanced to Peoples State Bank. This stock has a purchase cost and par value of $100 per share and transfer of the stock is substantially restricted. Therefore, we do not include our FHLB Chicago stock in the investment securities Table above. The stock is recorded at cost which approximates market value. The FHLB may pay dividends in both cash and additional shares of stock. We held $2,556 of FHLB Chicago capital stock at December 31, 2013 and $2,506 of stock at December 31, 2012. The current capital stock level supports FHLB total advances of $51,120. An annualized dividend rate of .45% was paid on FHLB stock during 2013 compared to .32% paid during 2012. Until 2012, the FHLB of Chicago operated under a capital management plan required by their regulatory oversight body, the Federal Housing Finance Agency. We cannot predict if the cash dividends will continue or if they may be increased. Due to a heightened level of regulatory oversight and in recognition of stock transfer restrictions, our investment in FHLB stock has been evaluated for impairment, with no other than temporary impairment write-down deemed necessary at December 31, 2013.

 

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Table 25 categorizes securities by scheduled maturity date as of December 31, 2013 and does not take into account the existence of optional calls held by the security issuer. Therefore, actual funds flow from maturing securities may be different than presented below. Maturity of mortgage backed securities and collateralized mortgage obligations, some of which call for scheduled monthly payments of principal and interest, are categorized by average principal life of the security. Yields by security type and maturity are based on amortized security cost.

 

Table 25: Investment Securities Maturities and Rates

 

      After one but  After five but   
    Within one year  within five years  within ten years  After ten years
As of December 31, 2013  Amount  Yield  Amount  Yield  Amount  Yield  Amount  Yield
                         
Securities available for sale:                                        
                                         
U. S. Treasury securities and obligations                                        
of U.S. government agencies            $999    0.98%                    
                                         
U.S. agency residential mortgage backed securities   170    4.79%   13,097    3.26%   8,219    2.00%          
                                         
U.S. agency residential collateralized                                        
mortgage obligations   943    3.87%   36,720    2.18%   241    2.61%          
                                         
Privately issued residential collateralized                                        
mortgage obligations             105    4.98%                    
                                         
Obligations of state and political subdivisions(1)                                 159    5.18%
                                         
Nonrated SBA loan fund   950    1.75%                              
                                         
Other equity securities   47    15.64%                              
                                         
Totals  $2,110    3.25%  $50,921    2.44%  $8,460    2.02%  $159    5.18%
                                         
Securities held to maturity:                                        
                                         
Obligations of states and political subdivisions(1)  $3,312    3.65%  $22,177    3.26%  $39,277    3.83%  $4,938    3.71%
                                         
Non-rated trust preferred securities                                 1,524    4.83%
                                         
Non-rated senior subordinated notes                       401    7.98%          
                                         
Totals  $3,312    3.65%  $22,177    3.26%  $39,678    3.87%  $6,462    3.97%

 

(1) Weighted average yields on tax-exempt securities have been calculated on a tax-equivalent basis using a rate of 34%.

 

2013 compared to 2012

 

During 2013, our investment in U.S. agency debentures declined as those securities obtained with the Marathon purchase were reinvested in new loan growth upon maturity. Maturities and repayments of collateralized mortgage obligations were reinvested in residential mortgage backed securities due to greater relative yield and the requirement to pledge mortgage backed securities rather than collateralized mortgage obligations against our structured repurchase agreement liability. Because U.S. Agency debentures were not reinvested upon maturity, the portfolio allocation to obligations of states and political subdivisions increased to 52.40% of the portfolio. During 2014, we expect to continue to increase the investment allocation to U.S. Agency mortgage backed securities and to lower the allocation to obligations of state and political subdivisions to more evenly diversify the securities portfolio to historical levels prior to the 2012 Marathon purchase.

 

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Included with obligations of states and political subdivisions in Table 24 are Qualified School Construction bonds with book value of $4,358 at December 31, 2013 and $4,610 at December 31, 2012. These bonds do not carry a stated interest rate, but instead pay a federal income tax credit as a fixed percentage of the bond principal that we use to offset against our required federal tax payments. Therefore, earnings on this investment are dependent on our continued generation of federal taxable income. At December 31, 2013, this portfolio carried a tax adjusted yield of 4.95% and an average stated maturity of approximately 4.3 years and were considered a general obligation of the issuing local government authority.

 

We maintain a conservative municipal investment portfolio with concentrations as of December 31, 2013 outlined below.

 

Municipal Geographical Concentration by Issuer at December 31, 2013:

 

Wisconsin – 73%

Minnesota – 9%

Illinois – 5%

Iowa – 3%

All other states – 10%

 

Municipal Type of Issue at December 31, 2013:

 

Unlimited General Obligation - 92%

Limited General Obligation – 2%

Revenue Bond – 6%

 

Municipal Bond Principal Quality by Credit Rating at December 31, 2013:

 

AAA or pre-refunded – 7%

AA – 55%

A – 20%

BBB – 1%

Nonrated – 17%

 

Our non-rated trust preferred securities were issued by three banks headquartered in Wisconsin with management teams known to us including Johnson Financial Group, Inc., River Valley Bancorporation, Inc., and Northern Bankshares, Inc. The non-rated senior subordinated notes were issued by McFarland State Bank, a subsidiary of Northern Bankshares, Inc. After a significant loss during 2010, Johnson Financial Group, Inc. elected to defer payments of interest on their trust preferred security issue, causing us to classify the $750 par value investment as a nonperforming asset. During 2012, the owners of Johnson Financial Group recapitalized Johnson Bank under an agreement with regulators and repaid all past due interest. We regularly review the financial performance of the banks associated with our trust preferred and senior subordinated note investments. None of the securities were considered other than temporarily impaired at December 31, 2013.

 

At December 31, 2013, securities fair value was 100.1% of amortized cost compared to 102.9% of amortized cost at December 31, 2012. Unrealized fair value gains over historical amortized cost declined during 2013 due to an increase in market interest rates and continued amortization of the unrealized gain on securities that existed on the transfer to held to maturity status during 2010. Refer to Note 4 of the Notes to Consolidated Financial Statements for additional information on the transferred securities. The net unrealized gain on securities transferred to securities held to maturity and recorded as a component of stockholders’ equity was $614, net of taxes of $398 at December 31, 2013. The net unrealized gain on securities available for sale, recorded as a component of stockholders’ equity, was $3, net of deferred taxes of $2 at December 31, 2013. Unrealized securities gains and losses, net of income tax effects, do not impact the level of regulatory capital as calculated under current banking regulations. We believe investment security yields have a stabilizing effect on net interest margin during periods of interest rate swings and expect to hold existing securities until maturity or repayment unless such funds are needed for liquidity due to unexpected loan growth or depositor withdrawals, or if the sale is beneficial to our interest rate risk and return profile. Periods of rising interest rates will decrease the fair value of fixed rate securities in our portfolio and associated unrealized gains, negatively impacting net book value per share.

 

2012 compared to 2011

 

During 2012, our investment in U.S. agency debentures and obligations of states and political subdivisions increased as reflected in Table 24 above due to the purchase of Marathon’s security portfolio. The nonrated commercial paper reflected in the Table 24 above were 30 to 60 day maturity paper purchased through a regional correspondent bank who also served as the issuer’s lead bank. All of the paper was issued by publicly traded companies on which we performed individual credit analysis with a maximum investment of $2 million per issuer. While unrated, these short-term investments are considered to carry very low credit risk. Total investment in collateralized mortgage obligations (“CMOs”) increased while mortgage backed securities (“MBS”) declined because cash flow repayment of CMOs is expected to display less volatility in a rising rate environment than MBS. Although the average yield on CMO is generally less than with MBS, lower volatility reduces interest risk in the balance sheet as a whole in a rising rate environment.

 

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Included with obligations of states and political subdivisions in Table 24 are Qualified School Construction bonds with book value of $4,610 at December 31, 2012 and $4,803 at December 31, 2011. At December 31, 2012, this portfolio carried a tax adjusted yield of 4.96% and an average stated maturity of approximately 5.1 years and were considered a general obligation of the issuing local government authority.

 

Our non-rated trust preferred securities were issued by three banks headquartered in Wisconsin including Johnson Financial Group, Inc., River Valley Bancorporation, Inc., and Northern Bankshares, Inc. The non-rated senior subordinated notes were issued by McFarland State Bank, a subsidiary of Northern Bankshares, Inc. After a significant loss during 2010, Johnson Financial Group, Inc. elected to defer payments of interest on their trust preferred security issue, causing us to classify the $750 par value investment as a nonperforming asset. During 2012, the owners of Johnson Financial Group recapitalized Johnson Bank under an agreement with regulators and repaid all past due interest. None of the securities were considered other than temporarily impaired at December 31, 2012.

 

At December 31, 2012, securities fair value was 102.9% of amortized cost compared to 103.1% of amortized cost at December 31, 2011. As noted previously, during 2010, municipal securities were reclassified from securities available for sale to securities held to maturity. Fair value of municipal securities at the transfer date is reflected in stockholders’ equity as comprehensive income and is being amortized against the new cost basis over the remaining life of the securities. The net unrealized gain on securities transferred to securities held to maturity and recorded as a component of stockholders’ equity was $850, net of taxes of $582 at December 31, 2012. The net unrealized gain on securities available for sale, recorded as a component of stockholders’ equity, was $970, net of deferred taxes of $608 at December 31, 2012.

 

Loans Receivable

 

Total loans as presented in Table 26 include loans held for sale to the secondary market and expected final fully disbursed principal on construction loans not yet fully disbursed at year-end.

 

Table 26: Loan Composition

 

   2013  2012  2011  2010  2009
      % of     % of     % of     % of     % of
As of December 31,  Amount  Total  Amount  Total  Amount  Total  Amount  Total  Amount  Total
                               
Commercial,                                                  
industrial, municipal,                                                  
and agricultural  $130,220    24.88%  $132,633    26.90%  $127,192    28.26%  $129,063    29.00%  $132,542    29.53%
                                                   
Commercial real                                                  
estate mortgage   212,850    40.67%   183,818    37.27%   184,360    40.96%   180,937    40.65%   178,071    39.67%
                                                   
Construction and                                                  
development                                                  
(commercial and                                                  
residential)   31,949    6.10%   43,729    8.87%   33,497    7.44%   35,310    7.93%   43,246    9.63%
                                                   
Residential real                                                  
estate mortgage   123,980    23.69%   105,579    21.41%   78,114    17.35%   71,675    16.10%   66,879    14.90%
                                                   
Residential real                                                  
estate mortgage                                                  
held for sale   150    0.03%   884    0.18%   39    0.01%   436    0.10%   —    0.00%
                                                   
Residential real                                                  
estate home equity   20,677    3.95%   21,756    4.41%   23,193    5.15%   23,774    5.34%   23,769    5.30%
                                                   
Consumer and                                                  
individual   3,567    0.68%   4,715    0.96%   3,732    0.83%   3,929    0.88%   4,355    0.97%
                                                   
Totals  $523,393    100.00%  $493,114    100.00%  $450,127    100.00%  $445,124    100.00%  $448,862    100.00%

 

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Commercial real estate loans are originated for a broad range of business purposes including non-owner occupied office rental space, multi-family rental units, owner occupied manufacturing facilities, and owner occupied retail sales space. We have little lending activity for agricultural purposes. Our management is involved in the communities we serve and believes it has a strong understanding of the local economy, its business leaders, and trends in successful business development. Based on this knowledge, we offer flexible terms and efficient approvals which have allowed us to grow and manage this type of lending.

 

Loans for the purpose of construction, land development, and other land loans (including residential construction and development) were $31,949 at December 31, 2013, and $43,729 at December 31, 2012 (including loan principal not yet disbursed) and represented 6.1% of total gross loans at December 31, 2013 compared to 8.9% at December 31, 2012. Commercial real estate loans, including disbursed commercial construction and land development loans, were equal to 395% of total common stockholders’ equity at December 31, 2013 compared to 385% of total common stockholders’ equity at December 31, 2012. However, our commercial real estate concentration has declined steadily during the past several years and averaged 406%, 441%, and 477% of common stockholder equity during 2011, 2010, and 2009, respectively. We consider commercial real estate lending to be a core product and expect to maintain a high concentration during 2014. Our experience in such lending allows us to minimize credit risk with annual net charge-offs on commercial real estate lending ranging from 0.06% to 0.48% of the average commercial real estate portfolio during the five years ended December 31, 2013. The large grain loss recorded during 2013 was not related to our commercial real estate lending activities.

 

As part of the asset/liability and interest rate sensitivity management strategy, we generally do not retain long-term 20 to 30 year fixed rate mortgages in our own portfolio. Therefore, it is our practice to sell the majority of long-term fixed rate mortgage loan originations to secondary market agencies in exchange for a fee. From time to time, we retain second mortgage loans, on certain high value homes requiring total financing above the conforming secondary market limit, after selling the first mortgage into the secondary market. In addition, some local borrowers require mortgage financing that does not fit one of the secondary market programs, cannot qualify for secondary market financing because they cannot obtain a qualifying appraisal due to lack of comparable sales, or the borrower prefers us to hold the loan in our own portfolio. First and second mortgage loans on the balance sheet generally carry fixed rate balloon payment terms of five years or less. During 2014, regulatory changes defining “qualifying” residential mortgages will cause us to convert existing balloon residential mortgages to adjustable rate mortgages upon maturity and to originate new mortgages held within our portfolio as adjustable rate mortgages rather than as balloon mortgages. Similar to the existing balloon mortgages, we expect the fixed rate period on the new adjustable rate mortgages to be five years or less.

 

Consumer and individual loans include short-term personal loans, automobile and recreational vehicle installment loans. Home equity lines of credit are often used by customers for retail purposes but are classified in Table 26 above separately from consumer and individual loans. We experience extensive competition from local credit unions offering low rates on installment loans delivered through income tax advantaged lower cost channels making consumer installment loan originations less profitable for us after incurring our income tax expense. Therefore, we direct our resources toward more profitable lending categories such as residential mortgages and commercial related lending.

 

2013 compared to 2012

 

Loans held for investment continue to consist primarily of commercial related loans, including commercial and industrial loans, commercial real estate loans, and commercial construction and development loans, representing approximately 68% of total loans at December 31, 2013 compared to 70% of total loans at December 31, 2012. All construction and land development loans, including commercial and 1-4 family residential construction loan commitments were approximately 6.1% of total loans receivable at December 31, 2013 compared to 8.9% at December 31, 2012. Loans in our construction and development classification are primarily short-term loans that provide financing for the construction of single family homes, multi-family apartment complexes, or construction of commercial real estate for office space or retail sales delivery. We retain permanent financing on these projects following completion of construction in many cases and will not enter into a construction loan relationship unless we are able and wish to retain the permanent financing. New residential construction loans are typically sold in the secondary market upon completion of construction.

 

Our markets have traditionally supplied opportunities for loan growth. Loan participations purchased were $27,404 and $20,601 at December 31, 2013 and December 31, 2012, respectively, representing 5.2% and 4.2% of total loans as shown in Table 26. During 2013, we purchased $3,069 of loans related to elder care facilities and $4,395 of loans collateralized by mobile home park real estate located in North Carolina which were purchased from another community bank in Wisconsin with whom we have several loan participations and were able to participate in underwriting the credit. These purchased loans were a significant source of our commercial related loan growth during 2013. The majority of our purchased loan participations are arrangements with other banks in Wisconsin that work together to meet the credit needs of each other’s largest credit customers. These loans are underwritten in the same manner as loans originated solely for our own portfolio. At December 31, 2013, only $407 of loan participations were purchased from sources other than traditional banks with substantial operations in Wisconsin compared to $529 at December 31, 2012.

 

Since 2010, local loan growth opportunities have been limited resulting in sporadic or limited net commercial loan growth. Competition from larger banks in our markets is strong as such banks with higher capital levels and substantial deposit growth look to lending for higher yielding assets as investment security returns remain very low. Banks including BMO Harris Bank (the acquirer of M&I Bank and the bank having the largest deposit market share in our markets), U.S. Bank, Associated Bank, and Chase Bank appear to have relaxed credit terms for high credit quality borrowers and lowered lending interest rate spreads in an effort to aggressively increase their loan market share. In addition, local demand for commercial capital expansion remains low. We expect strong competition to continue during 2014 which could impact the pace of future loan growth and could negatively impact net interest margin and net interest income. To support loan growth, we expect to continue to grow purchased loan participations from other banks in Wisconsin during 2014.

 

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During 2013 and 2012, to support loan growth and invest low yielding liquid cash and cash equivalents, we maintained a program to originate 15-year fully amortizing fixed rate residential first mortgage loans and retain those loans on our balance sheet rather than selling them to secondary market investors as is our normal practice. The loans were fully underwritten with the majority of loans conforming to secondary market standards. However, if the property was located in a rural area in which an adequate number of recent comparable sales were not available, some of the mortgages may not have been underwritten with a qualifying secondary market appraisal, although a current appraisal was obtained on each loan. We do not intend to securitize these loans for sale on the secondary market. The program originated approximately $26.1 million in residential mortgage loans at a 2.92% weighted average interest rate during the year ended December 31, 2012. We discontinued this program during 2013 but during the year originated approximately $16.5 million in additional residential mortgage loans at a 2.69% weighted average interest rate. At December 31, 2013, $38.6 million of total principal under this 2012 and 2013 program remained on the balance sheet at a 2.82% weighted average interest rate. This in-house fixed rate mortgage program contributed to the net increase in residential mortgage loans in Table 26 above. This program was discontinued during 2013 as excess liquidity declined, commercial related loan growth was available at favorable pricing, and long term market interest rates and potential interest rate risk increased. Retaining residential mortgage loans on the balance sheet, instead of selling them to the secondary market, increases potential interest rate risk in a rising rate environment and adds credit risk from potential problem loan defaults. However, we believe both interest rate and credit risk are mitigated by limiting the program to conforming borrowers able to support the significantly faster 15 year principal amortization compared to a traditional 30 year amortizing loan.

 

2012 compared to 2011

 

Loans held for investment continue to consist primarily of commercial related loans, including commercial and industrial loans, commercial real estate loans, and commercial construction and development loans, representing approximately 70% of total loans at December 31, 2012 compared to 74% of total loans at December 31, 2011. All construction and land development loans, including commercial and 1-4 family residential construction loan commitments were approximately 8.9% of total loans receivable at December 31, 2012 compared to 7.4% at December 31, 2011. Total construction and development loans increased $10,232 during 2012 from a new $7,197 loan with a developer of multi-family housing in our market area. We have worked successfully with this developer on many prior projects and this property can service debt amortization with existing cash flow and was refinanced into permanent financing early in 2013. This loan was a significant source of our commercial related loan growth during 2012.

 

Loan participations purchased were $20,601 and $12,196 at December 31, 2012 and December 31, 2011, respectively, representing 4.2% and 2.7% of total loans as shown in Table 26. During 2012, purchased loan participations increased $8,108 from a loan participation purchased from BMO Harris Bank with a customer operating in our market collateralized by local owner occupied commercial real estate. This purchased loan was a significant source of our commercial related loan growth during 2012. At December 31, 2012, $529 of loan participations were purchased from sources other than traditional banks with substantial operations in Wisconsin compared to $541 at December 31, 2011.

 

To support loan growth and invest deposits previously held in low yielding overnight funds, we maintained a temporary program to originate 15-year fully amortizing fixed rate residential first mortgage loans and retain those loans on our balance sheet rather than selling them to secondary market investors as is our normal practice as described previously. The program originated approximately $26.1 million in residential mortgage loans at a 2.92% weighted average interest rate during 2012 of which $25.1 million of principal at a 2.91% weighted average interest rate was outstanding at December 31, 2012.

 

Loans Receivable Maturities

 

Table 27 categorizes loan principal by scheduled maturity at December 31, 2013, and does not take into account any prepayment options held by the borrower. The loan portfolio is widely diversified by types of borrowers and industry groups. Significant loan concentrations are considered to exist for a financial institution when there are amounts loaned to numerous borrowers engaged in similar activities that would cause them to be similarly impacted by economic conditions. At December 31, 2013, no concentrations existed in our portfolio in excess of 10% of total loans except for a geographical concentration of borrowers and collateral located in Marathon County, Wisconsin in which we have the majority of our branches and operations representing the majority of our loan portfolio.

 

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Table 27: Loan Maturity Distribution and Interest Rate Sensitivity

 

   Loan Maturity
   One year  Over one year  Over
As of December 31, 2013:  or less  to five years  five years
          
Commercial, industrial, municipal, and agricultural  $71,610   $48,888   $9,722 
Commercial real estate mortgage   44,504    148,066    20,280 
Real estate construction   24,024    7,496    429 
Residential real estate mortgage   11,891    38,661    73,428 
Residential real estate mortgage held for sale   150           
Residential real estate home equity   —    20,677    — 
Consumer and individual   1,006    2,494    67 
                
Totals  $153,185   $266,282   $103,926 
                
Fixed rate       $230,632   $91,080 
Variable rate        35,650    12,846 
                
Totals       $266,282   $103,926 

 

Deposits

 

Core retail deposits are our largest source of funds. We consider core retail deposits to include noninterest-bearing demand deposits, interest bearing demand and savings deposits, money market demand deposits, and retail time deposits less than $100. Core retail deposits represented 66.6% and 64.9% of total assets as of December 31, 2013 and 2012, respectively. In addition to core certificates of deposit, funding from local certificates with balances greater than $100 made up 6.5% and 6.8% of total assets at December 31, 2013, and 2012, respectively. Despite being held by local customers, these large certificates are not considered core funds as the balances may be temporary and subject to placement with any financial institution offering the highest interest rate bid. Our retail deposit growth is continuously influenced by competitive pressure from other financial institutions, as well as other investment opportunities available to customers. Table 28 outlines the average distribution of deposits during the three years ending December 31, 2013.

 

Table 28: Average Deposits Distribution

 

   2013  2012  2011
      Interest     Interest     Interest
Year Ended December 31,  Amount  Rate paid  Amount  Rate paid  Amount  Rate paid
                   
Noninterest-bearing demand deposits  $82,506    n/a   $73,135    n/a   $57,942    n/a 
                               
Interest-bearing demand and savings deposits   172,249    0.22%   154,428    0.51%   126,944    0.87%
                               
Money market demand deposits   121,351    0.33%   110,587    0.53%   100,089    0.81%
                               
Retail and local time deposits   105,462    1.01%   110,488    1.10%   97,042    1.76%
                               
Wholesale and national time deposits   58,930    2.02%   65,699    2.40%   74,158    2.43%
                               
Totals  $540,498    0.56%  $514,337    0.81%  $456,175    1.19%
                               
Average retail and local deposit growth   7.34%        17.44%        1.24%     
Average total deposit growth   5.09%        12.75%        -0.01%     

 

We hold retail and local time deposits collected under the “Certificate of Deposit Account Registry System” (CDARS), a nation-wide program in which network banks work together to obtain greater FDIC insurance on deposits through sharing of banking charters. Such deposits are typically greater than $100 in balance and average balances of CDARS deposits were $6,906 during 2013, $11,681 during 2012, and $16,384 during 2011. Average CDARS balances have declined in recent years as local municipalities that fueled 2010 CDARS growth seeking 100% FDIC protection withdrew balances for operational needs as well as to invest in other deposit products outside the CDARS program for higher yields. For regulatory purposes, CDARS deposits are considered brokered deposits and disclosed as such on quarterly regulatory filings. However, for internal and external reporting other than for Call Report purposes, these deposits are considered to be retail deposits since the terms of the account are set directly between us and our local customer on a retail basis. Accordingly, these deposits are included as “Retail time deposits $100 and over” in the Tables in this section. Total CDARS deposits totaled $4,292 and $8,825 at December 31, 2013 and 2012, respectively.

 

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Table 29 provides a breakdown of deposit categories as of December 31, 2013 and 2012.

 

Table 29: Period-End Deposit Composition

 

As of December 31,  2013  2012
  $  %  $  %
             
Non-interest bearing demand  $102,644    17.8%  $89,819    15.9%
Interest-bearing demand and savings   176,427    30.5%   185,203    32.8%
Money market deposits   136,797    23.7%   124,501    22.0%
Retail time deposits less than $100   57,897    10.0%   62,756    11.1%
                     
Total core deposits   473,765    82.0%   462,279    81.7%
Retail time deposits $100 and over   46,390    8.0%   48,706    8.6%
Broker & national time deposits less than $100   542    0.1%   739    0.1%
Broker and national time deposits $100 and over   56,817    9.9%   53,718    9.5%
                     
Totals  $577,514    100.0%  $565,442    100.0%

 

Table 30 provides a summary of changes in key deposit categories during 2013 and 2012.

 

Table 30: Change in Deposit Composition

 

         % Change from prior year
At December 31,  2013  2012  2013  2012
             
Total time deposits $100 and over  $103,207   $102,424    0.8%   -14.5%
Total broker and wholesale deposits   57,359    54,457    5.3%   -27.0%
Total retail time deposits   104,287    111,462    -6.4%   21.5%
Core deposits, including money market deposits   473,765    462,279    2.5%   28.1%

 

Table 31 outlines maturities of time deposits of $100 or more, including broker and retail time deposits as of December 31, 2013 and 2012.

 

Table 31: Maturity Distribution of Certificates of Deposit of $100 or More

 

   2013  2012
As of December 31,  Balance  Rate  Balance  Rate
             
3 months or less  $13,940    1.11%  $15,930    1.10%
Over 3 months through 6 months   8,510    1.04%   17,745    2.04%
Over 6 months through 12 months   21,944    1.28%   23,470    1.25%
Over 1 year through 5 years   55,907    1.84%   45,279    2.18%
Over 5 years   2,906    2.69%   —    0.00%
                     
Totals  $103,207    1.58%  $102,424    1.77%

 

2013 compared to 2012

 

Total deposits increased $12,072, or 2.1%, to $577,514 at December 31, 2013 compared to $565,442 at December 31, 2012. Local deposits increased $9,170, or 1.8%, while out of area and brokered deposits increased $2,902, or 5.3%. Non-interest bearing demand deposits increased $12,825, or 14.3%, led by commercial demand deposit growth. Interest-bearing demand and money market deposits increased $3,520, or 1.1%, including a $7,290 decline in Rewards Checking balances, which ceased being sold by us during 2011. Interest-bearing demand and money market balances excluding Rewards Checking increased 4.1%. Reward Checking balances at December 31, 2013 totaled $36,452. We expect Reward Checking customer balances to continue to decline during 2014, but less than the $7,290 decline seen during 2013. Retail and local certificates of deposit declined $7,175, or 6.4%, primarily from $7,710 of net deposit run-off from the purchased Marathon location as acquired Marathon location certificates matured into normal local market rates.

 

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Deposits held for municipalities were $41,060 at December 31, 2013, up $5,423, or 15.2%, from $35,637 at December 31, 2012 primarily from growth in our high yield uncollateralized municipal money market account. Many of our municipalities had higher December 31 balances from seasonal property tax collection activity. At December 31, 2013 we held $47.5 million of total nonmaturity deposits and overnight repurchase agreement amounts from our ten largest deposit customers, making up approximately 9% of our total local deposits and overnight repurchase agreements. Many of the balances at year-end were seasonal deposits and expected to be withdrawn during the first several months of 2014 but contributed to the large cash and cash equivalents balance at December 31, 2013.

 

2012 compared to 2011

 

Total deposits increased $83,933, or 17.4% at December 31, 2012 compared to December 31, 2011. Local core deposits increased $104,042, up 25.6%, at December 31, 2012 compared December 31, 2011 due to the acquisition of Marathon and its $100,866 total deposits as of the acquisition date. An increase of $48,253 in interest bearing demand and savings deposits (up 35.2%) represented 46.4% of the local deposit increase because Marathon had promoted a high yield passbook savings account in which most of their customers maintained a balance. Offsetting the increase in local deposits was a $20,109, or 27.0%, decrease in brokered and national time deposits during 2012.

 

Although we acquired $37,973 of Marathon certificates on the acquisition date, bank wide retail and local certificates of deposit increased only $19,760 during 2012, pointing to a net $18,213 run off in certificates of deposit. As during 2011, rates paid on certificates of deposit in the current market approached those paid on money market and NOW accounts. Therefore, customers appeared to move funds out of time deposits into nonmaturity accounts that allowed them to access the funds without penalty compared to a time deposit. Nonmaturity money market, NOW, and savings accounts increased $69,761 during 2012 compared to 2011, including a $39,639 increase from Marathon nonmaturity money market, NOW, and savings account deposits.

 

Rewards Checking was the primary driver of increased deposit growth from its introduction in June 2007 through December 2010 but sales of the product were discontinued during October 2011. Rewards Checking operated as a traditional interest bearing checking account but paid a premium interest rate and reimbursement of foreign ATM fees if the customer meet certain account usage requirements. In general, the account required customers to use their debit card at least 10 times per month, deposit their employer paycheck via ACH, and receive their periodic checking account statement via email from our home banking website. At December 31, 2012, the premium rate paid on Rewards Checking was .40% on the first $15 of deposit balances. The Rewards Checking interest rate is adjustable at our discretion, but was intended to provide the highest potential retail deposit rate product available to customers. Rewards Checking balances were $43,742 and $47,578 at December 31, 2012, and 2011, respectively. The average interest cost of Rewards Checking balances (excluding debit card interchange fees, savings from delivery of electronic periodic statements and vendor software costs of maintaining the program) was .95% in 2012 compared to 1.59% in 2011.

 

Deposits held for municipalities were $35,637 at December 31, 2012, up $3,492, or 10.9%, from $32,145 at December 31, 2011 primarily from addition of Marathon’s municipal deposit customers. Many of our municipalities had higher December 31 balances from seasonal property tax collection activity. At December 31, 2012 we held $40.6 million of total nonmaturity deposits and overnight repurchase agreement amounts from our ten largest deposit customers, making up approximately 8% of our total local deposits and overnight repurchase agreements. Many of the balances at year-end were seasonal deposits withdrawn during the first several months of 2013 but contributed to the large cash and cash equivalents balance at December 31, 2012.

 

Wholesale Funding Sources and Available Liquidity

 

Wholesale funding includes FHLB advances, brokered and national time deposits, wholesale repurchase agreements, and federal funds purchased. These sources of wholesale funding are limited by the wholesale lender’s ability to raise individual depositor funds, our regulatory capital classification, our ability to generate positive earnings performance, our sources of collateral acceptable to the wholesale lender, by our internal policy limitations on aggregate exposure to use of such funds, and in the case of the FHLB, our level of FHLB capital stock relative to our aggregate amount of FHLB advances.

 

Our asset-liability management process provides a unified approach to management of liquidity, capital, and interest rate risk, as well as providing adequate funds to support the borrowing requirements and deposit flow of our customers. We view liquidity as the ability to raise cash at a reasonable cost or with a minimum of loss and as a measure of balance sheet flexibility to react to marketplace, regulatory, and competitive changes.

 

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The primary short-term and long-term funding sources we use other than retail deposits include federal funds purchased from other correspondent banks, advances from the FHLB, and issuance of brokered and national time deposits. Table 33 outlines the available and unused portion of these funding sources (based on collateral and/or company policy limitations) as of December 31, 2013 and 2012. Currently unused but available funding sources along with a significant amount of overnight liquid funds at December 31, 2013 are considered sufficient to fund anticipated 2014 asset growth, repay maturing liabilities, and manage customer deposit demands and withdrawals.

 

We maintain formal policies to address liquidity contingency needs and to manage a liquidity crisis. Table 32 below provides a summary of how the wholesale funding sources normally available to us would be impacted by various operating conditions.

 

Table 32: Environmental Impacts on Availability of Wholesale Funding Sources:

 

  Normal Moderately Highly
  Operating Stressed Stressed
  Environment Environment Environment
Repurchase Agreements Yes Likely* Not Likely
FHLB (primary 1-4 REM collateral) Yes Yes* Less Likely*
FHLB (secondary loan collateral) Yes Likely* Not Likely
Brokered CDs Yes Likely* Not Likely
National CDs Yes Likely* Not Likely
Fed Funds Lines Yes Less Likely* Not Likely
FRB (Borrow-In-Custody) Yes Yes Less Likely*
FRB (Discount Window securities) Yes Yes Yes
Holding Company line of credit Yes Yes Less Likely*

 

* May be available but subject to restrictions

 

Table 33 summarizes the availability of various wholesale funding sources at December 31, 2013 and 2012.

 

Table 33: Available but Unused Funding Sources other than Retail Deposits:

 

   December 31, 2013  December 31, 2012
   Unused, but  Amount  Unused, but  Amount
   Available  Used  Available  Used
             
Overnight federal funds purchased  $28,000   $—   $28,000   $— 
Federal Reserve discount window advances   89,875    —    70,141    — 
FHLB advances under blanket mortgage lien   54,944    38,049    38,797    50,124 
Repurchase agreements and other FHLB advances   35,822    20,441    44,634    20,728 
Wholesale and national deposits   84,949    57,359    87,936    54,457 
Holding company secured line of credit   3,000    —    3,000    — 
                     
Totals  $296,590   $115,849   $272,508   $125,309 
                     
Funding as a percent of total assets   41.7%   16.3%   38.3%   17.6%
Percentage of gross available funding used at period-end        28.1%        31.5%

 

The following discussion examines each of the available but unused funding sources listed in Table 31 above and the factors that may directly or indirectly influence the timing or the amount ultimately available to us.

 

2013 compared to 2012

 

Overnight federal funds purchased

 

Our consolidated federal funds purchase availability totals $28,000 from three correspondent banks. The most significant portion of the total is $15,000 from our primary correspondent bank, Bankers’ Bank located in Madison, Wisconsin. We make regular use of the Bankers’ Bank line as part of our normal daily cash settlement procedures, but rarely have used the lines offered by the other two correspondent banks. Federal funds must be repaid each day and borrowings may be renewed for up to 14 consecutive business days. To unilaterally draw on the existing federal funds line, we need to maintain a “composite ratio” as defined by Bankers’ Bank of 40% or less. Bankers’ Bank defines the composite ratio to be nonaccrual loans and foreclosed assets divided by tangible capital including the allowance for loan losses calculated at our subsidiary bank level. Due to existence of the composite ratio, an increase in nonaccrual loans or foreclosed assets could impact availability of the line or subject us to further review. In addition, a rising composite ratio could cause our other two correspondent banks to reconsider their federal funds line with us since they do not also serve as our primary correspondent bank. Our subsidiary bank’s composite ratio was approximately 13% at December 31, 2013 and December 31, 2012, and less than the 40% benchmark used by Bankers’ Bank.

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Federal Reserve discount window advances

 

We have a $100,000 line of credit with the Federal Reserve Discount Window supported by both commercial and commercial real estate collateral provided to the Federal Reserve under their Borrower in Custody (“BIC”) program. During 2012 and 2013, and as of December 31, 2013, the annualized interest rate applicable to Discount Window advances was .75%. Under the BIC program, we provide a monthly listing of detailed loan information on the loans provided as collateral. We are subject to annual review and certification by the Federal Reserve to retain participation in the program. The Discount Window represents the primary source of liquidity on a daily basis following our federal funds purchased lines of credit discussed above. We were limited to a maximum advance of $89,875 at December 31, 2013 based on the BIC loan collateral pledged. Discount Window advances must be repaid or renewed each day. No Discount Window advances were used during 2013 or 2012.

 

Only performing loans are permitted as collateral under the BIC and each individual loan is subject to a haircut to collateral value based on the Federal Reserve’s review of the listing each month. In general, approximately 75% of the loan principal offered as collateral is able to support Discount Window advances. Similar to the federal funds purchased lines of credit, an increase in nonperforming loans would decrease the amount of collateral available for Discount Window advances.

 

Federal Home Loan Bank (FHLB) advances under blanket mortgage lien and other FHLB advances

 

We maintain an available line of credit with the FHLB of Chicago based on a pledge of 1 to 4 family mortgage loan collateral, both first and secondary lien positions. We may borrow on the line to the lesser of the blanket mortgage lien collateral provided, or 20 times our existing FHLB capital stock investment. Based on our existing $2,556 capital stock investment, total FHLB advances in excess of $51,124 require us to purchase additional FHLB stock equal to 5% of the advance amount. At December 31, 2013, $5,206 of advances were available from the FHLB without the purchase of additional FHLB stock. Further advances of the remaining $49,738 available at December 31, 2013 would have required us to purchase additional FHLB stock totaling $2,487. At December 31, 2012, no advances were available without the purchase of additional FHLB stock. FHLB stock currently pays an annualized dividend of .45% with expectations of continuing this dividend level. Therefore, additional FHLB advances carry additional cost relative to other wholesale borrowing alternatives due to the requirement to hold relatively low yielding FHLB stock.

 

Similar to the Discount Window, only performing residential mortgage loans may be pledged to the FHLB under the blanket lien. In addition, we were subject to a haircut of approximately 36% on first mortgage collateral and 60% on secondary lien collateral at both December 31, 2013 and December 31, 2012. The FHLB conducts periodic audits of collateral identification and submission procedures and adjusts the collateral haircuts higher in response to negative exam findings. The FHLB also assigns a credit risk grade to each member based on a quarterly review of the member’s regulatory CALL report. Our current credit risk is within the normal range for a healthy member bank. Negative financial performance trends such as reduced capital levels, increased nonperforming assets, net operating losses, and other factors can increase a member’s credit risk grade. Higher risk grades can require a member to provide detailed loan collateral listings (rather than a blanket lien), physical collateral, and other restrictions on the maximum line usage. FHLB advances are available on a daily basis and along with Discount Window advances represent a primary source of liquidity following our federal funds purchased lines of credit.

 

FHLB advances carry substantial penalties for early prepayment that are generally not recovered from the lower interest rates in refinancing. The amount of early prepayment penalty is a function of the difference between the current borrowing rate, and the rate currently available for refinancing. Under a new collateral and pledging agreement we maintain with the FHLB effective April 12, 2011, we are also permitted to pledge commercial related collateral for advances. However, we did not pledge any commercial loan collateral to the FHLB at December 31, 2013 or December 31, 2012.

 

In connection with the lifting of their regulatory consent order, the FHLB of Chicago announced a capital stock conversion plan and repurchased $1,038 of our stock in 2013 and $744 of our stock during 2012. A member must continue to hold capital stock no less than 5% of outstanding FHLB advances. Our FHLB capital stock shares are considered “B-2” capital shares. Excess holdings of B-2 shares may be redeemed by the FHLB at the request of a member following a five year redemption period.

 

Repurchase agreements and FHLB advances collateralized by investment securities

 

Wholesale repurchase agreements may be available from a correspondent bank counterparty for both overnight and longer terms. Such arrangements typically call for the agreement to be collateralized by us at 110% of the repurchase principal. In the current market, repurchase counterparty providers are extremely limited and would likely require a minimum $10 million transaction. Repurchase agreements could require up to several business days to receive funding. Due to the lack of availability of counterparties offering the product, wholesale repurchase agreements are not a reliable source of liquidity. At December 31, 2013, $13,500 of our repurchase agreements are wholesale agreements with correspondent banks and $5,441 are overnight repurchase agreements with local customers using our treasury management services. At December 31, 2012, $13,500 of our repurchase agreements were wholesale agreements with correspondent banks and $7,228 were overnight repurchase agreements with local customers.

 

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In addition to availability of FHLB advances under the blanket mortgage lien, we also have the ability to pledge investment securities as collateral against FHLB advances. Advances secured by investments are also subject to the FHLB stock ownership requirement as described previously. Due to the need to purchase additional FHLB member stock, FHLB advances secured by investments are not considered a primary source of liquidity. At December 31, 2013, $35,822 of additional FHLB advances were available based on pledging of securities if an additional $1,791 of member capital stock were purchased. At December 31, 2012, $44,634 of additional FHLB advances were available based on pledging of securities if an additional $2,232 of member capital stock were purchased.

 

Wholesale market deposits

 

Due to the strength of our capital position, balance sheet, and ongoing earnings, we enjoy the lowest possible costs when purchasing wholesale certificates of deposit on the brokered market. We have an internal policy that limits use of brokered deposits to 20% of total assets, which gave availability of $84,949 at December 31, 2013 and $87,936 at December 31, 2012. Brokered and national certificates were 8.1% and 7.6% of assets at December 31, 2013 and December 31, 2012, respectively. Due to a limited number of providers of repurchase agreement funding as well as our desire to retain unencumbered securities for liquidity purposes and adverse impacts from holding additional FHLB capital stock, loan growth in past years was often funded with brokered certificate of deposit funding.

 

Participants in the brokered certificate market must be considered “well capitalized” under current regulatory capital standards to acquire brokered deposits without approval of their primary federal regulator. We regularly acquire brokered deposits from three market providers and maintain relationships with other providers to obtain required funds at the lowest possible cost. Ten business days are typically required between the request for brokered funding and settlement. Therefore, brokered deposits are a reliable, but not daily, source of liquidity. Brokered deposits represent our largest source of wholesale funding and we would see significant negative impacts if capital levels or earnings were to decline to levels not considered to be well capitalized. In addition to the requirement to be considered well-capitalized, banks under regulatory consent orders are not permitted to participate in the brokered deposit market without approval of their primary federal regulator even if they maintain a well-capitalized capital classification.

 

Holding company unsecured line of credit

 

We maintained a $3,000 line of credit with Bankers’ Bank in Madison, Wisconsin as a contingency liquidity source at December 31, 2013 and December 31, 2012. No amounts were drawn on the line at December 31, 2013 or 2012. Although our bank subsidiary has in the past provided the holding company’s liquidity needs through semi-annual upstream cash dividend of profits, losses or other negative performance trends could prevent the bank from providing these dividends as cash flow. Because our bank holding company has approximately $1,500 of debt financing payments per year as well as approximately $150 of other expenses (before tax benefits), the holding company line of credit is a critical source of potential liquidity.

 

We were subject to financial covenants associated with the line which require our bank subsidiary to:

 

•Maintain Tier 1 leverage, Tier 1 risk based capital, and Tier 2 risk based capital ratios above 8%, 10%, and 12%, respectively.
•Maintain nonperforming assets (excluding accruing troubled debt restructured loans) as a percentage of tangible equity plus the allowance for loan losses to less than 20%.
•Maintain an allowance for loan losses no less than 70% of nonperforming assets (excluding accruing troubled debt restructured loans).

At December 31, 2013 and December 31, 2012, we were not in violation of any of the line of credit covenants. A violation of any covenant could prevent us from utilizing the unused balance of the line of credit. The line of credit expires during December 2014.

 

If liquidity needs persist after exhausting all available funds from the sources described above, we would consider more drastic methods to raise funds including, but not limited to, sale of investment securities at a loss, cessation of lending to new or existing customers, sale of branch real estate in a sale-leaseback transaction, surrender of bank owned life insurance to obtain the cash surrender value net of taxes due, packaging and sale of residential mortgage loan pools held in our portfolio, sale of foreclosed assets at a loss, and sale of mortgage servicing rights. Such actions could generate undesirable sale losses or income tax impacts. While sale of additional common stock or issuance of other types of capital could provide additional liquidity, the ability to find significant buyers of such capital issues during a liquidity crisis would be difficult making such a source of funding unlikely or unreliable if the liquidity crisis was caused by our deteriorating financial condition.

 

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2012 compared to 2011

 

Overnight federal funds purchased

 

Our aggregate federal funds purchased availability totaled $28,000 from three correspondent banks at December 31, 2012 and 2011, and no amounts were drawn on these federal funds lines at those dates. Our subsidiary bank’s composite ratio was approximately 13% at December 31, 2012 and 16% at December 31, 2011, respectively, and less than the 40% benchmark used by Bankers’ Bank.

 

Federal Reserve discount window advances

 

We maintained a $100,000 line of credit with the Federal Reserve Discount Window supported by a pledge of both commercial and commercial real estate loans to the Federal Reserve under their Borrower in Custody (“BIC”) program. During 2012, the annualized interest rate applicable to Discount Window advances was .75%. We were limited to a maximum advance of $70,141 and $100,000 at December 31, 2012 and December 31, 2011, respectively, based on the BIC loan collateral pledged. No Discount Window advances were used during 2012 or 2011. Since we did not actively use the line, we pledged fewer commercial related loans under the Discount Window program during 2012, which reduced our availability under the line compared to 2011.

 

Federal Home Loan Bank (FHLB) advances under blanket mortgage lien and other FHLB advances

 

Based on our existing $2,506 capital stock investment, total FHLB advances in excess of $50,124 require us to purchase additional FHLB stock equal to 5% of the advance amount. At December 31, 2012, no amounts were available from the FHLB without the purchase of additional FHLB stock. At December 31, 2011, we could have drawn an FHLB advance up to $14,876 of the $22,559 available without the purchase of FHLB stock. Further advances of the $38,797 available at December 31, 2012, would have required us to purchase additional FHLB stock totaling $1,940. Under a new collateral and pledging agreement we maintain with the FHLB effective April 12, 2011, we are also permitted to pledge commercial related collateral for advances. However, we did not pledge any commercial loan collateral to the FHLB at December 31, 2012 or December 31, 2011. In connection with the lifting of their regulatory consent order, the FHLB of Chicago announced a capital stock conversion plan and repurchased $744 of our stock during 2012.

 

Repurchase agreements and FHLB advances collateralized by investment securities

 

At December 31, 2012, $13,500 of our repurchase agreements are wholesale agreements with correspondent banks and $7,228 are overnight repurchase agreements with local customers using our treasury management services. At December 31, 2011, $13,500 of our repurchase agreements were wholesale agreements with correspondent banks and $6,191 were overnight repurchase agreements with local customers. At December 31, 2012, $44,634 of additional FHLB advances were available based on pledging of securities if an additional $2,232 of member capital stock were purchased. At December 31, 2011, $34,416 of additional FHLB advances were available based on pledging of securities if an additional $1,721 of member capital stock were purchased.

 

Wholesale market deposits

 

Our internal policy that limits use of brokered deposits to 20% of total assets, gave us availability of $87,936 at December 31, 2012 and $50,007 at December 31, 2011. Brokered and national certificates were 7.6% and 12.0% of assets at December 31, 2012 and December 31, 2011, respectively. Increased brokered deposit availability came with increased asset size following the Marathon purchase. Due to a limited number of providers of repurchase agreement funding as well as our desire to retain unencumbered securities for liquidity purposes and adverse impacts from holding additional FHLB capital stock, loan growth in past years was often funded with brokered certificate of deposit funding. Following our purchase of Marathon State Bank, our reliance on brokered deposits declined as excess cash and cash equivalents from their deposits and maturing investment securities were used to repay maturing brokered deposits.

 

Holding company unsecured line of credit

 

We maintained a $3,000 line of credit with Bankers’ Bank in Madison, Wisconsin as a contingency liquidity source at December 31, 2012 and December 31, 2011. No amounts were drawn on the line at December 31, 2012 or 2011. Although our bank subsidiary has in the past provided the holding company’s liquidity needs through semi-annual upstream cash dividend of profits, losses or other negative performance trends could prevent the bank from providing these dividends as cash flow.

 

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We were subject to financial covenants associated with the line which require our bank subsidiary to:

 

•Maintain Tier 1 leverage, Tier 1 risk based capital, and Tier 2 risk based capital ratios above 8%, 10%, and 12%, respectively.
•Maintain nonperforming assets (excluding accruing troubled debt restructured loans) as a percentage of tangible equity plus the allowance for loan losses to less than 20%.
•Maintain an allowance for loan losses no less than 70% of nonperforming assets (excluding accruing troubled debt restructured loans). This covenant was added effective December 31, 2012.

At December 31, 2012 and December 31, 2011, we were not in violation of any of the line of credit covenants.

 

Liquidity Measurements and Contingency Plan

 

Our liquidity management and contingency plan calls for quarterly measurement of key funding, capital, problem loan, and liquidity contingency ratios at our banking subsidiary level. The measurements are compared to various risk levels that direct management to further responses to declining liquidity measurements as outlined below:

 

Risk Level 1 is defined as circumstances that create the potential for elevated liquidity risk, thus requiring an assessment of possible funding deficiencies. Normal business operations, plans and strategies are not anticipated to be immediately impacted.

 

Risk Level 2 is defined as circumstances that point to an increased potential for disruptions in the Bank’s funding plans, needs and/or resources. Assessment of the probability of a liquidity crisis is more urgent, and identification and prioritization of pre-emptive alternatives and actions may be both warranted and time sensitive.

 

Risk Level 3 is defined as circumstances that create a likely funding problem, or are symptomatic of circumstances that are highly correlated with impending funding problems; and, therefore, are expected to require some level of immediate action depending upon the situation.

 

These risk parameters and other qualitative and environmental factors are considered to determine whether a “Stress Level” response is required. Identification of a risk trigger does not automatically call for a stress level response. The following summarizes our response plans to various degrees of liquidity stress:

 

Stress Level A – Management provides a written summary evaluating the warning indicators and why it is deemed unlikely that there will be a resulting liquidity challenge.

 

Stress Level B – Management provides an assessment of the probability of a liquidity crisis and completes a sources and uses of funds report to estimate the impact on pro forma liquidity. Liquidity stress tests will be reviewed to ensure the scenarios being simulated are sufficiently robust and that there is adequate funding to satisfy potential demands for cash. Various pre-emptive actions will be considered and acted on as needed.

 

Stress Level C – Management has determined a funding crisis is likely and documents detailed assessments of the current liquidity situation and future liquidity needs. The Board approved action plan is carried out with vigor and may call for one or all of the following steps, among others, to mitigate the liquidity concern: sale of loans, intensify local deposit gathering programs, transferring unencumbered securities and loans to the Federal Reserve for Discount Window borrowings, curtail all lending except for specifically approved loans, reduce or suspend stock dividends, and investigate opportunities to raise new capital.

 

No Risk Level triggers were exceeded at December 31, 2013 or December 31, 2012 and no liquidity stress levels were considered to exist at those dates. During 2011, we increased our “Risk Level 1” trigger points related to commercial and industrial loans and commercial real estate loans relative to capital. The Risk Level 1 trigger for commercial and industrial loans was increased from 200% of capital at December 31, 2010 to 250% of capital as of December 31, 2011. Likewise, the Risk Level 1 trigger for commercial real estate loans was increased from 300% at December 31, 2010 to 350% at December 31, 2011. These increases were considered appropriate due to our concentration on commercial related lending to local borrowers and relatively low levels of capital, and therefore we consistently exceeded these triggers at the prior year levels. However, we have historically experienced net loan charge-offs on commercial related lending less than similar sized banks and do not consider this mix of loans to signify an undercapitalized position.

 

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As part of our formal quarterly asset-liability management projections, we also measure basic surplus as the amount of existing net liquid assets (after deducting short-term liabilities and coverage for anticipated deposit funding outflows during the next 30 days) divided by total assets. The basic surplus calculation does not consider unused but available correspondent bank federal funds purchased, as those funds are subject to availability based on the correspondent bank’s own liquidity needs and therefore are not guaranteed contractual funds. However, basic surplus does include unused but available FHLB advances under the open line of credit supported by a blanket lien on mortgage collateral. Basic surplus does not include available brokered certificate of deposit funding as those funds generally may not be obtained within one business day following the request for funding. Our policy is to maintain a basic surplus of at least 5%. Basic surplus was 11.6%, 14.4%, and 7.9% at December 31, 2013, 2012, and 2011, respectively. The basic surplus increased significantly at December 31, 2012 compared to 2013 and 2011 due to the purchase of Marathon and its large cash and unencumbered investment security position in addition to our growth in residential mortgage loans added to the balance sheet which were available for pledging under the FHLB blanket lien.

 

 

CAPITAL RESOURCES

 

Increased retained earnings from net income after payment of dividends is our primary source of capital to support asset growth. During the three years ended December 31, 2013, total stockholders’ equity increased $10,063, or 26.5%. During this period, retained net income after payment of shareholder dividends represented $12,364 of this growth in equity which was primarily offset by a decline in unrealized gains on securities available for sale, which declined $2,179. Assuming a baseline equity to assets ratio of 8%, this growth in equity during the past three years would have supported maximum total asset growth of $125,788 ($10,063 equity growth divided by 8% assumed capital ratio). A detailed listing of stockholders’ equity activity during the three years ended December 31, 2013 may be found in Item 8, Consolidated Statements of Changes in Stockholders’ Equity. Average tangible common stockholders’ equity to total assets was 8.16% during 2013, 8.04% during 2012, and 8.11% during 2011. Projected 2014 earnings combined with expected asset growth, including the planned purchase of The Baraboo National Bank Rhinelander branch office is expected to result in average common stockholder’s equity to total assets of approximately 8.00% during 2014.

 

Unrealized gains on securities available for sale, net of tax, reflected as accumulated other comprehensive income, represented approximately $0.37, or 1.1% of total net book value per share at December 31, 2013 compared to $1.10, or 3.3% of total net book value per share at December 31, 2012. As market interest rates increased during the second half of calendar 2013, unrealized gains on fixed rate investment securities declined, which reduced equity since changes in unrealized gains on securities available for sale are recorded through equity. If market rates continue to increase in the future, existing unrealized gains on our fixed rate investment portfolio would further decline, negatively impacting total stockholders’ equity and net book value per share.

 

During 2013, we issued 8,076 shares of restricted stock having a grant date value of $210 to certain key employees as a retention tool and to align employee performance with shareholder interests, compared to 8,895 shares of restricted stock having a grant date value of $200 issued during 2012. The shares vest over a six year service period using a straight-line method and unvested shares are forfeited if the employee is no longer employed by the Bank. Refer to Note 19 of the Notes to Consolidated Financial Statements for more information on the restricted stock plan and related activity. Total restricted stock plan expense recognized was $145, $105, and $78, during 2013, 2012, and 2011, respectively.

 

We purchased 10,030 shares of our common stock on the open market at an average price of $26.78 per share during 2013. We purchased 10,210 shares of our common stock on the open market at an average price of $25.68 per share during 2012. No shares were repurchased during 2011 or 2010 as we sought to conserve capital for growth, merger and acquisition activity, repayment of our 8% senior subordinated notes, and expected increases to regulatory capital ratio minimums. Industry wide, the cost of capital has increased significantly compared to prior years and many sources of previously low cost capital, such as trust preferred offerings like our $7. 7 million junior subordinated debentures, are no longer available. The banking industry continues to place a premium on capital and we expect to refrain from significant treasury stock repurchases during 2014 and to reserve capital primarily for acquisition activities.

 

We declared a 5% stock dividend to shareholders on June 19, 2012 to celebrate the 50th anniversary of our subsidiary Peoples State Bank, which was paid in additional shares of our common stock on July 30, 2012 to shareholders of record on July 16, 2012. All references to per share information in this Annual Report on Form 10-K have been updated to reflect the 5% stock dividend.

 

We are also required to maintain minimum levels of capital to be considered well-capitalized under current banking regulation. Table 34 presents a reconciliation of stockholders’ equity as presented in the consolidated balance sheets for the three years ended December 31, 2013 to regulatory capital. We were considered “well capitalized” under applicable capital regulations at December 31, 2013, 2012, and 2011. Refer to Item 8, Note 20 of the Notes to Consolidated Financial Statements for these regulatory requirements and our current capital position relative to these requirements. Failure to remain well-capitalized could prevent us from obtaining future wholesale brokered time deposits which have been an important source of funding.

 

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For regulatory purposes, certain long-term debt may be reclassified as regulatory capital. At December 31, 2013, our $7.7 million in floating rate junior subordinated debentures maturing in September 2035 were considered Tier 1 regulatory capital. The floating payments required by the junior debentures have been hedged with a fixed rate interest rate swap resulting in a total fixed interest cost of 4.42% through September 2017. At December 31, 2012 and 2011, we had two subordinated debt issues that were considered regulatory capital including the $7.7 million junior subordinated debentures and $7 million of 8% senior subordinated notes maturing July 2019. During 2013, we refinanced the $7 million of 8% senior subordinated notes with a $2 million floating rate correspondent bank note and a new $4 million 3.75% fixed rate senior note due February 2018 issued to three of our directors and a large local shareholder. We also paid down $1 million of the debt with existing cash on hand at December 31, 2012. The refinancing saved $340 of interest expense during 2013 compared to 2012. However, the structure of the refinance did not permit any of the $6 million in new notes to be considered as total regulatory capital as were the prior $7 million 8% senior notes due July 2019.

 

During 2013, the banking regulatory agencies finalized new regulatory capital rules that will increase our capital needs beginning January 1, 2015. The new rules are outlined under Item 1 of this Annual Report on Form 10-K, in Regulation and Supervision under Capital Adequacy. In addition, the minimum capital ratios to be considered well capitalized and to cover the newly required “capital buffer,” would be 6.50% for the leverage ratio, 8.50% for the Tier 1 to risk adjusted capital ratio, and 10.50% for the total risk adjusted capital ratio, up from 5.00%, 6.00%, and 10.00%, respectively under current capital regulation.

 

The most significant factors of the rules changes include:

 

·Requirement to meet minimum capital ratios for a new regulatory capital ratio defined as the “Common equity Tier 1 capital ratio”.
·Institution of a new “capital conservation buffer” which provides a buffer between the minimum regulatory capital ratios to be considered “adequately capitalized” and capital ratios that allow the bank to pay certain levels of shareholder dividends, purchase treasury stock, or fund certain executive management incentive plans.
·Potential imitations on mortgage servicing right assets and deferred income tax assets allowed as regulatory capital as well as a greater risk weight applied to the amount allowed for regulatory capital purposes.
·Past due loans would be subject to a 150% risk weighting, up from the 100% risk weighting currently applied.
·Unused lines of credit not unconditionally cancellable by the bank would be subject to a 20% risk weighting, up from the 0% risk weighting current applied.

If the new capital rules were applied to our existing consolidated December 31, 2013 regulatory capital position and made effective immediately, the proforma new capital ratios are projected to change as follows:

 

  Actual as of: Proforma as of: Targeted minimum
  Dec 31, 2013 Dec 31, 2013 with capital buffer
       
Tier 1 leverage ratio to average assets  9.06% 9.06% 6.50%
Common equity Tier 1 ratio (new) n/a 10.62% 7.00%
Tier 1 risk adjusted capital ratio 12.63% 12.04% 8.50%
Tier 2 total risk adjusted capital ratio 13.88% 13.29% 10.50% 

 

We continue to internally review the timing and extent of the proposed changes on our regulatory capital position and the final capital ratios at January 1, 2015, may be different than the proforma capital ratios shown above. Increased regulatory capital requirements could impact our ability to pay shareholder cash dividends, repurchase shares of treasury stock, or the pace of which we could grow in assets, both organically and via merger and acquisition activities. While we do not expect to be required to raise common stock capital solely to meet these new requirements, the new rules would increase the likelihood we would need capital through the issuance of new common stock if we continued merger and acquisition activity for growth. Because the market price of our stock currently trades at less than our book value, issuance of new common stock shares, such as for an acquisition, could dilute the book value per share of existing shareholders.

 

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Table 34: Capital Ratios

 

At December 31,  2013  2012  2011
                
Stockholders’ equity  $56,753   $54,447   $50,362 
Junior subordinated debentures, net   7,500    7,500    7,500 
Disallowed mortgage servicing right assets   (170)   (123)   (121)
Accumulated other comprehensive (income) loss   (349)   (1,394)   (1,934)
                
Tier 1 regulatory capital   63,734    60,430    55,807 
Senior subordinated notes   —    7,000    7,000 
Add:  allowance for loan losses   6,314    6,206    5,745 
                
Total regulatory capital  $70,048   $73,636   $68,552 
                
Average tangible assets  $703,261   $689,974   $602,071 
                
Risk-weighted assets (as defined by current regulations)  $504,561   $495,287   $457,443 
                
Tier 1 capital to average tangible assets (leverage ratio)   9.06%    8.76%    9.27% 
Tier 1 capital to risk-weighted assets   12.63%    12.20%    12.20% 
Total capital to risk-weighted assets   13.88%    14.87%    14.99% 
                
Capital Ratios – Peoples State Bank – Subsidiary Bank:               
                
Tier 1 capital to average tangible assets (leverage ratio)   9.39%    9.35%    9.99% 
Tier 1 capital to risk-weighted assets   13.10%    13.11%    13.13% 
Total capital to risk-weighted assets   14.35%    14.36%    14.39% 

 

As a measurement of the adequacy of a bank’s capital base related to its level of nonperforming assets, many investors use a “non-GAAP” measure commonly referred to as the “Texas Ratio.” We also track changes in our Texas Ratio against our internal capital and liquidity risk parameters to highlight negative capital trends that could impact our ability for future growth, payment of dividends to shareholders, or other factors. As noted previously, correspondent bank providers of our daily federal funds purchased line of credit and the holding company operating line of credit use similar measures that impact our ability to continued use of those lines of credit if our level of nonperforming assets to capital were to rise above prescribed levels. The following table presents the calculation of our Texas Ratio.

 

Table 35: Calculation of “Texas Ratio” (a non-GAAP measure) as of December 31,

 

(dollars in thousands)  2013  2012  2011
          
Total nonperforming assets  $10,389   $12,454   $17,883 
                
Total stockholders’ equity  $56,753   $54,447   $50,362 
Less: Mortgage servicing rights, net (intangible assets)   (1,696)   (1,233)   (1,205)
Less: Preferred stock capital elements   —    —    — 
Add:  Allowance for loan losses   6,783    7,431    7,941 
                
Total tangible common stockholders’ equity and reserves  $61,840   $60,645   $57,098 
                
Total nonperforming assets as a percentage of               
total tangible common stockholders’ equity and reserves   16.80%    20.54%    31.32% 

 

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OFF-BALANCE-SHEET COMMITMENTS AND CONTRACTUAL OBLIGATIONS

 

Off Balance Sheet Arrangements

 

We service residential mortgage loans originated by our lenders and sold to the FHLB and FNMA. As a FHLB Mortgage Partnership Finance (“MPF”) loan servicer, we provide a credit enhancement guarantee to reimburse the FHLB for foreclosure losses in excess of 1% of the original loan principal sold to the FHLB prior to 2009. At December 31, 2013, our credit guarantee covered $23,709 of loan principal on which we would incur credit losses up to $949 if the FHLB first loss exceeds $1,593 on foreclosure of loans within this pool. Refer to Item 8, Notes 5, 7, and 18 of the Notes to Consolidated Financial Statements for information on the FHLB MPF program. These first mortgage loans are underwritten using standardized criteria we consider to be conservative on residential properties in our local communities. We believe loans serviced for the FHLB will realize minimal foreclosure losses in the future and that we will experience no loan losses related to charge-offs in excess of the FHLB 1% First Loss Account. The north central Wisconsin residential real estate market experiences housing price changes similar to the state of Wisconsin as a whole, and we do not have a significant reliance on vacation homes located in our northern markets. The average residential first mortgage originated by us under the FHLB program which required a credit enhancement was approximately $154 in 2008 and $140 during 2007, the last two years of the program. At December 31, 2013, the average remaining first mortgage principal balance for loans on which we provided the credit enhancement was $66.

 

Ten years after the original pool master commitment date, the FHLB First Loss Account and our Credit Enhancement Guarantee are reset to current levels based on loans remaining in the pool. These factors are further reset every subsequent five years until the pool is repaid. During 2012, a MPF 125 program pool reached its ten year anniversary and the First Loss Account and Credit Enhancement Guarantee associated with that program were reset to the new level shown in Table 36. The next First Loss Account reset date for any individual master commitment containing our Credit Enhancement Guarantee is scheduled for July 2017.

 

Under bank regulatory capital rules, this FHLB recourse obligation to the FHLB is risk-weighted for the purposes of the total capital to risk-weighted assets capital calculation. Total risk-based capital required to be held for the recourse obligations under the FHLB MPF programs for capital adequacy purposes was $864 at December 31, 2013 and $1,859 at December 31, 2012 and 2011. During October 2008, we ceased origination and sale of loans to the FHLB that required a credit enhancement and no additional risk-based capital will be required to support such loans. More information on all loans serviced for other investors, including FHLB and FNMA, is outlined in Table 36.

 

Other significant off-balance sheet financial instruments include the various loan commitments outlined in Item 8, Note 18 of the Notes to Consolidated Financial Statements. These lending commitments are a traditional and customary part of lending operations and many of the commitments are expected to expire without being drawn upon.

 

Use of Interest Rate Swap Derivatives

 

During 2011, we began sale of a new product that allowed certain adjustable rate commercial loan customers to fix their interest rate with an interest rate swap. Refer to Item 8, Note 14 of the Consolidated Financial Statements for details on the program. There were $14,323 and $14,979 of interest rate swaps associated with customer floating rate commercial loan principal at December 31, 2013 and 2012, respectively, under the program.

 

We also maintain an interest rate swap to convert floating interest payments on our $7.7 million junior subordinated debentures to a fixed rate which matures during September 2017. Refer to Note 14 of the Notes to Consolidated Financial Statements for further information on this swap, which is designated as a cash flow hedge of interest rate payments.

 

Residential Mortgage Loan Servicing

 

We service $272,280 and $269,554 of residential real estate loans which have been sold to the FHLB and FNMA at December 31, 2013 and 2012, respectively. Loans sold to FHLB and FNMA are not reflected on our Consolidated Balance Sheets. An annualized servicing fee equal to .25% of outstanding principal is retained from payments collected from the customer as compensation for servicing the loan for the FHLB and FNMA. Mortgage loan servicing fees are an important source of mortgage banking income. Refer to Item 8, Note 7 of the Notes to Consolidated Financial Statements for a breakdown of mortgage banking revenue. We recognize a mortgage servicing right asset due to the substantial volume of loans serviced for the FHLB and FNMA. Refer to Note 1 of the Notes to Consolidated Financial Statements for a summary of our mortgage servicing right accounting policies.

 

All loans sold to FHLB or FNMA in which we retain the loan servicing are subject to underwriting representations and warranties made by us as the originator and we are subject to annual underwriting audits from both entities. Our representations and warranties would allow FHLB or FNMA to require us to repurchase inadequately originated loans for any number of underwriting violations. Provision for mortgage banking losses from required repurchase was $294, $28, and $38 during 2013, 2012, and 2011, respectively. We have provided a liability of $108 at December 31, 2013 for potential future representation and warranty losses.

 

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Table 36 summarizes the various programs and investors for which we serviced loans as of December 31, 2013 and 2012.

 

Table 36: Residential Mortgage Loan Servicing for Others

 

At December 31, 2013:               
         Weighted  Avg. Monthly  PSB Credit  Agency  Mortgage
Agency  Principal  Loan  Average  Payment  Enhancement  Funded First  Servicing Right, net
Program  Serviced  Count  Coupon Rate  Seasoning  Guarantee  Loss Account  $  %
                         
FHLB MPF 100  $8,493    184    5.38%    128   $94   $291   $19    0.22% 
FHLB MPF 125   18,748    226    5.75%    81    855    1,302    77    0.41% 
FHLB XTRA   185,283    1,472    3.75%    27    n/a    n/a    1,133    0.61% 
FNMA   59,756    409    3.50%    15    n/a    n/a    467    0.78% 
                                         
Totals  $272,280    2,291    3.88%    31   $949   $1,593   $1,696    0.62% 

 

                      
At December 31, 2012:                     
         Weighted  Avg. Monthly  PSB Credit  Agency  Mortgage
Agency  Principal  Loan  Average  Payment  Enhancement  Funded First  Servicing Right, net
Program  Serviced  Count  Coupon Rate  Seasoning  Guarantee  Loss Account  $  %
                                         
FHLB MPF 100  $12,328    247    5.38%    116   $94   $291   $21    0.17% 
FHLB MPF 125   23,695    272    5.75%    74    1,851    1,474    66    0.28% 
FHLB XTRA   194,710    1,507    3.88%    21    n/a    n/a    909    0.47% 
FNMA   38,821    274    3.44%    13    n/a    n/a    237    0.61% 
                                         
Totals  $269,554    2,300    4.05%    29   $1,945   $1,765   $1,233    0.46% 

 

During 2013 and 2012, certain 15 year fixed rate residential mortgage loans normally sold to the secondary market were retained within our loan portfolio as discussed previously under the section labeled, “Asset Growth and Liquidity” in this Annual Report on Form 10-K. Because market mortgage interest rates increased during 2013, secondary market mortgage origination activity could decline and customer repayments on existing serviced loans could cause serviced loan principal could decline during 2014 compared to 2013.

 

Contractual Obligations

 

We are a party to various contractual obligations requiring use of funds as part of our normal operations. Table 37 outlines the principal amounts and timing of these obligations, excluding amounts due for interest, if applicable. Nonmaturity deposits and overnight federal funds purchased and overnight repurchase obligations are not included in Table 37 because they are not classified as long-term obligations. Most of these obligations shown in the Table, including FHLB advances and time deposits, are routinely refinanced into a similar replacement obligation without requiring any substantial outflow of cash. However, renewal of these obligations is dependent on our ability to offer competitive market equivalent interest rates or availability of collateral for pledging such as retained mortgage loans or securities as in the case of advances from the FHLB. Our funds management policy includes a formal liquidity contingency plan to identify low cost and liquid funds available in the event of a liquidity crisis as outlined under the section labeled, “Asset Growth and Liquidity” in this Annual Report on Form 10-K. Except for contractual deferred compensation agreement payments, the obligations shown in Table 37 do not include payments for interest.

 

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Table 37: Long-Term Contractual Obligations at December 31, 2013

 

   Principal payments due by period
   Total  < 1 year  1-3 years  3-5 years  > 5 years
                
Federal Home Loan Bank advances  $38,049   $36,049   $—   $2,000   $— 
Long-term other borrowings   15,000    9,000    500    5,500    — 
Junior subordinated debentures   7,732    —    —    —    7,732 
Senior subordinated notes   4,000    —    —    4,000    — 
Deferred compensation agreements   3,155    223    200    256    2,476 
Post-retirement health insurance benefits plan   32    5    10    6    11 
Long-term charitable contribution commitments   16    5    11    —    — 
Branch bank operating lease commitments   24    24    —    —    — 
                          
Total long-term contractual obligations before time deposits   68,008    45,306    721    11,762    10,219 
Time deposits   161,646    82,077    41,761    34,902    2,906 
                          
Total long-term contractual obligations including time deposits  $229,654   $127,383   $42,482   $46,664   $13,125 

 

Critical Accounting Policies

 

Allowance for Loan Losses

 

As noted previously, during the quarter ended March 31, 2011, we changed our methodology to determine the adequacy of our allowance for loan losses. The changes were made in response to several regulatory and industry factors including greater transparency in allowance and loss activity by loan segment and class, greater reliance on various external and internal factors to determine contingency reserves on loans not considered to be impaired, and greater reliance on estimates of future cash flows on impaired loans to estimate required allowances with lesser reliance on impaired loan collateral fair value to determine required allowances.

 

Current accounting standards call for the allowance for loan losses to include both specific losses on identified impaired problem loans and inherent contingent losses on existing loan pools not yet considered problem loans. Determination of the allowance for loan losses at period-end is based primarily on subjective factors and management assessment of risk in the existing portfolio. Actual results, if significantly different from those using estimates at period-end, could have a material impact on the results of operations. For example, losses incurred on loans not previously identified as carrying significant loss potential would increase the provision for loan losses expense equal to the amount of the loan principal charged off. Refer to Item 8, Note 5 of the Notes to Consolidated Financial Statements for additional information on allocation of the allowance for loan losses between different credit risk categories and for impaired loans as well as our system to review changes in credit risk on individual loans.

 

Loans receivable, for the purpose of estimating the allowance for loan losses, are separated into 12 loan categories:

 

Performing loans (5 categories, all of which are assigned inherent loss reserves):

 

•Residential mortgages
•Home equity lines of credit
•Consumer and individual loans
•Commercial real estate loans – credit risk grades 1 (“high quality”) through grade 4 (“acceptable risk”)
•Commercial and industrial loans – grades 1 through 4

 

Problem loans assigned inherent loss reserves (4 categories):

 

•Commercial real estate loans – grade 5 (“watch”) and grade 6 (“substandard”) loans
•Commercial and industrial loans – grade 5 (“watch”) and grade 6 (“substandard”) loans

 

Impaired loans assigned specific reserves (3 categories):

 

•Commercial real estate loans - grade 7 (“impaired”)
•Commercial and industrial loans – grade 7 (“impaired”)
•Residential mortgage, consumer, and other personal loans – grade 7 (“impaired”)

 

Commercial purpose loans are subcategorized into the credit risk “grades” based on an internal determination of risk established during credit analysis and updated no less than annually. Determination of risk grades takes into account several factors including collateral, cash flow, borrower’s industry environment, financial statement strength, and other factors. Identified impaired problem loans under current accounting standards are classified into the lowest quality risk grade (grade 7). Impaired loans include nonaccrual loans, loans identified as restructurings of troubled debt, and loans accruing interest with elevated risk of default in the near term based on a variety of credit factors.

 

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Inherent loss reserves are assigned as a percentage of estimated loss on principal within each category and are based on the following historical and subjective factors:

 

•Weighted average historical net charge-off of principal by category during the past 12 quarters.
•Our written policy regarding the provision and maintenance of appropriate allowance for loan losses allows an exceptionally significant and non-recurring loan charge-off or recovery to be noted in the written policy and then excluded from determination of historical net charge-offs used for estimating inherent loss reserves if inclusion of the special charge-off or recovery in the calculation would significantly overstate or understate appropriate allowance levels based on current risk factors. Based on our review of the 2013 large grain charge off of $3,340 related to customer fraud and consideration of related potential credit risk within our portfolio for customers with similar risk factors (as outlined following Table 14 under the subheading Credit Quality and Provision for Loan Losses), we consider the $3,340 loss to meet the exceptional requirements to be excluded from historical losses as provided for by policy. Therefore, during 2013, our written policy was updated to address this loss and the justification for its exclusion from historical net losses in the allowance for loan losses calculation. Exclusion of this loss from the December 31, 2013 allowance calculation reduced the calculated allowance for loan losses by $1,383 before an estimated income tax benefit of $545. If this policy action had not been taken, the December 31, 2013 allowance for loan losses would have increased by $1,383, and 2013 net income would have decreased by $838. However, if the policy action had not been taken, we believe the proforma calculated allowance would have been significantly overstated at December 31, 2013 because we did not identify similar risk of loss in our review of other borrowers within our loan portfolio as led to the $3,340 charge off during 2013.
•Additional contingency reserves based on subjective assessment of external factors including: changes in economic conditions, changes in nature/volume of portfolio, changes in collateral values, changes in regulatory requirements, and changes in peer data.
•Additional contingency reserves based on subjective assessment of internal factors including: changes in bank policies, changes in underwriting criteria, changes in volume of past due loans, changes in internal local review processes, and management turnover.

Inherent loss reserves for loan categories graded 5 (watch) and grade 6 (substandard) are provided additional contingency reserves beyond those described above to reflect the emerging credit risk represented by loans within these categories. These additional contingency reserves are based on the average specific reserves calculated for impaired loans by category at period end. Grade 5 (watch ) loans are assigned an additional contingency reserve equal to 25% of the average reserve allocation percentage given to impaired loans (Grade 7) within that loan category. Grade 6 (substandard) loans are assigned an additional contingency reserve equal to 50% of the average reserve allocation percentage given to impaired loans (Grade 7) within that loan category.

 

Specific reserves are calculated on each individual borrower by estimating future cash flows associated with borrower payments and foreclosure value of collateral associated with the loan. Cash flows expected from foreclosure of collateral are discounted for closing costs and based on estimated current collateral and property values. Estimated cash flows are discounted by the loan contract rate to determine the present value of future cash flows. For loans considered to be restructurings of troubled debt, the cash flows are discounted using the loan contract rate in place prior to any loan modifications. Loans considered collateral dependent are assigned reserves based on the net cash value of collateral without consideration of discounted estimated cash flows.

 

After calculating the estimate of required allowances for loan losses using the steps above, a further subjective analysis of current and projected economic conditions, problem loan trends, and other factors may cause additional unallocated reserves to be recorded to reflect this additional risk of loss before it is recognized by the change in commercial credit risk grades, or the increase in the historical inherent loss percentage assigned to loan categories. As of December 31, 2013 and 2012, no unallocated loan loss allowances were recorded.

 

Estimates of inherent losses on non-problem loans are a significant accounting estimate due to the many economic and subjective factors involved in estimating future losses based on existing negative factors associated with unidentified future problem loans currently making payments. Reliance on historical charge off activity and subjective factors related to external and internal factors is expected to increase volatility in allowance for loan losses, which could increase volatility in quarterly net income as conditions change and increase or decrease the existing allowance for loan losses. For example, if the actual inherent losses on the five performing loan categories evaluated using inherent loss estimates as described above were 25% greater than those currently applied to meet reserve needs, the December 31, 2013 allowance for loan losses would have increased $844 (12.4%) and have decreased 2013 net income by approximately $512 after income taxes.

 

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In addition, an unexpected downgrade of loans classified grade 5 (watch) and grade 6 (substandard) to impaired status (grade 7) could significantly increase total allowance for loan losses as those downgraded loans are allocated allowances based on projected cash flow or collateral values on an individualized basis. For example, at December 31, 2013, if all of the loans graded 6 (substandard) and 50% of loan principal graded 5 (watch) were reclassified as impaired loans and experienced the average loss allocation currently reflected in the impaired loan portfolio, the allowance for loan losses at December 31, 2013 would have increased $658 (9.7%) and decreased 2013 net income by approximately $399 after income taxes.

 

Mortgage Servicing Rights

 

As required by current accounting standards, we record a mortgage servicing right asset (“MSR”) when we continue to service borrower payments and perform maintenance activities in exchange for an annual servicing fee of .25% of average serviced mortgage principal on loans in which the principal has been sold to the FHLB or other secondary market investors. Our initial value of servicing rights is calculated on an individual loan level basis and uses public financial market information for many of the significant estimates. In the period in which the principal is sold to the secondary market investors, we increase the gain on sale of the loan by the value of the initial MSR. If the actual value was less than we recorded, such as if the estimated future servicing period or average serviced principal was less than estimated, the gain recorded on origination of the MSR would be overstated. Recognition of impairment of excess mortgage servicing rights would decrease income, causing our accounting for mortgage servicing rights to be a critical accounting policy. For example, if the actual value of initial MSR on 2013 secondary market sales were 25% less than that recorded, gain on sale of loans (a component of mortgage banking income) during 2013 would have declined approximately $156 before income taxes (reducing 2013 net income by $95). In addition, if the actual value of the entire December 31, 2013 MSR were 25% less than recorded, net servicing revenue (a component of mortgage banking income) would have declined approximately $424 before income taxes and 2013 net income would have been reduced $257.

 

We make the following estimates and perform the following procedures when accounting for MSRs:

 

1.Serviced loans are stratified by risk of prepayment criteria. Currently, strata are first based on the year in which the loan was originated, then on term, and then on the range of interest rates within that term.

 

2.We use a discount approach to generate the initial value for the OMSR. The calculation takes the average of the current dealer consensus on prepayment speeds as reported by Andrew Davidson & Company or the prepayment speed implied in the mortgage backed security prices for newly created loans along with other assumptions to generate an estimate of future cash flows. The present value of estimated cash flows equals the fair value of the OMSR. We capitalize the lower of fair value or cost of the OMSR.

 

Refer to Note 23 of the Notes to Consolidated Financial Statements for significant fair value and cost estimates other than the estimate of public dealer consensus of prepayment speeds. Changes in these estimates and assumptions would change the initial value recorded for OMSRs and change the gain on sale of mortgage loans recorded in the income statement.

 

3.Amortization of the OMSR is calculated based on actual payment activity on a per loan basis. Because all loans are handled individually, curtailments decrease MSRs as well as regularly scheduled payments. The loan servicing value is amortized on a level yield basis.

 

4.Significant declines in current market mortgage interest rates decrease the fair value of existing MSRs due to the increase in anticipated prepayments above the original assumed speed. Accounting standards require that impairment testing be performed and that MSRs be recorded at the lower of fair value or amortized cost. We perform quarterly impairment testing on our MSRs. Actual prepayment speeds (based on our actual customer activity on a loan level basis) are compared to the assumed prepayment speed on the date of the last quarterly impairment testing (or the origination prepayment speed if a recently originated loan). The fair value assumptions other than prepayment speed are combined with the new estimated prepayment speed to create a new fair value. An impairment allowance is recorded for any shortfall between the new fair value and the original cost after adjusting for past amortization and curtailments.

 

76
Item 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

 

Not applicable.

 

 

Item 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

 

 

Report of Independent Registered Public Accounting Firm

 

 

Board of Directors

PSB Holdings, Inc.

Wausau, Wisconsin

 

 

We have audited the accompanying consolidated balance sheets of PSB Holdings, Inc. and Subsidiary (PSB) as of December 31, 2013 and 2012, and the related consolidated statements of income, comprehensive income, changes in stockholders’ equity, and cash flows for each of the years in the three-year period ended December 31, 2013. These financial statements are the responsibility of PSB’s management. Our responsibility is to express an opinion on these financial statements based on our audits.

 

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatements. PSB is not required to have, nor were we engaged to perform, an audit of its internal control over financial reporting. Our audit included considerations of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of PSB’s internal control over financial reporting. Accordingly, we express no such opinion. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

 

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of PSB Holdings, Inc. and Subsidiary as of December 31, 2013 and 2012, and the results of their operations and their cash flows for each of the years in the three-year period ended December 31, 2013, in conformity with accounting principles generally accepted in the United States.

 

 

 

Wipfli LLP

 

March 17, 2014

Wausau, Wisconsin

 

77

Consolidated Balance Sheets

December 31, 2013 and 2012

(dollars in thousands except per share data)

 

Assets  2013  2012
           
Cash and due from banks  $13,800   $20,332 
Interest-bearing deposits and money market funds   977    1,431 
Federal funds sold   16,745    27,084 
           
Cash and cash equivalents   31,522    48,847 
           
Securities available for sale (at fair value)   61,650    75,387 
Securities held to maturity (fair value of $71,672 and $72,364, respectively)   71,629    69,822 
Bank certificates of deposit   2,236    4,465 
Loans held for sale   150    884 
Loans receivable, net of allowance for loan losses   509,880    477,991 
Accrued interest receivable   2,076    2,157 
Foreclosed assets   1,750    1,774 
Premises and equipment, net   9,669    10,240 
Mortgage servicing rights, net   1,696    1,233 
Federal Home Loan Bank stock (at cost)   2,556    2,506 
Cash surrender value of bank-owned life insurance   12,826    11,813 
Other assets   3,901    4,847 
           
TOTAL ASSETS  $711,541   $711,966 
           
Liabilities and Stockholders’ Equity          
           
Deposits:          
Non-interest-bearing  $102,644   $89,819 
Interest-bearing   474,870    475,623 
           
Total deposits   577,514    565,442 
           
Federal Home Loan Bank advances   38,049    50,124 
Other borrowings   20,441    20,728 
Senior subordinated notes   4,000    7,000 
Junior subordinated debentures   7,732    7,732 
Accrued expenses and other liabilities   7,052    6,493 
           
Total liabilities   654,788    657,519 
           
Stockholders’ equity:          
Preferred stock - No par value:          
Authorized - 30,000 shares; no shares issued or outstanding          
Common stock - No par value with a stated value of $1 per share:          
Authorized - 6,000,000 shares          
Issued - 1,830,266 shares   1,830    1,830 
Outstanding - 1,651,518 and 1,653,472 shares, respectively          
Additional paid-in capital   6,967    7,020 
Retained earnings   52,432    48,977 
Accumulated other comprehensive income, net of tax   349    1,394 
Treasury stock, at cost - 178,748 and 176,794 shares, respectively   (4,825)   (4,774)
           
Total stockholders’ equity   56,753    54,447 
           
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY  $711,541   $711,966 

 

See accompanying notes to consolidated financial statements.

78

Consolidated Statements of Income

Years Ended December 31, 2013, 2012, and 2011

(dollars in thousands except per share data)

   2013  2012  2011
          
Interest and dividend income:               
Loans, including fees  $23,126   $23,458   $24,480 
Securities:               
Taxable   2,098    2,402    2,637 
Tax-exempt   1,511    1,293    1,125 
Other interest and dividends   81    91    72 
                
Total interest and dividend income   26,816    27,244    28,314 
                
Interest expense:               
Deposits   3,051    4,161    5,428 
Federal Home Loan Bank advances   1,285    1,414    1,776 
Other borrowings   650    596    645 
Senior subordinated notes   184    578    567 
Junior subordinated debentures   341    342    341 
                
Total interest expense   5,511    7,091    8,757 
                
Net interest income   21,305    20,153    19,557 
Provision for loan losses   4,015    785    1,390 
                
Net interest income after provision for loan losses   17,290    19,368    18,167 
                
Noninterest income:               
Service fees   1,580    1,648    1,632 
Mortgage banking, net   1,591    1,795    1,373 
Investment and insurance sales commissions   944    736    631 
Net gain on sale of securities   12    0    32 
Increase in cash surrender value of bank-owned life insurance   402    407    415 
Gain on bargain purchase   0    851    0 
Other operating income   1,094    1,131    1,254 
                
Total noninterest income   5,623    6,568    5,337 
                
Noninterest expense:               
Salaries and employee benefits   9,069    9,169    8,337 
Occupancy and facilities   1,762    1,622    1,702 
Loss on foreclosed assets   428    573    1,197 
Data processing and other office operations   1,862    2,296    1,382 
Advertising and promotion   335    327    291 
FDIC insurance premiums   452    464    505 
Other operating expense   2,598    2,941    2,364 
                
Total noninterest expense   16,506    17,392    15,778 
                
Income before income taxes   6,407    8,544    7,726 
Provision for income taxes   1,663    2,535    2,421 
                
Net income  $4,744   $6,009   $5,305 
                
Basic earnings per share  $2.87   $3.61   $3.21 
                
Diluted earnings per share  $2.87   $3.61   $3.21 

 

See accompanying notes to consolidated financial statements.

79

Consolidated Statements of Comprehensive Income

Years Ended December 31, 2013, 2012, and 2011

(dollars in thousands except per share data)

 

   2013  2012  2011
          
Net income  $4,744   $6,009   $5,305 
                
Other comprehensive income, net of tax:               
Unrealized gain (loss) on securities available for sale   (961)   (191)   109 
                
Reclassification adjustment for net gain, included in net income   (7)   0    (19)
                
Amortization of unrealized gain on securities available for sale               
transferred to securities held to maturity included in net income   (236)   (274)   (348)
                
Unrealized gain (loss) on interest rate swap   46    (179)   (447)
                
Reclassification adjustment of interest rate swap settlements included in earnings   113    104    111 
                
Comprehensive income  $3,699   $5,469   $4,711 

 

Consolidated Statements of Changes in Stockholders’ Equity

Years Ended December 31, 2013, 2012, and 2011

(dollars in thousands except per share data)

 

            Accumulated      
      Additional     Other      
   Common  Paid-In  Retained  Comprehensive  Treasury   
   Stock  Capital  Earnings  Income (Loss)  Stock  Totals
                   
Balance, January 1, 2011  $1,830   $7,323   $40,078   $2,528   ($5,069)  $46,690 
                               
Comprehensive income:                              
Net income             5,305              5,305 
Unrealized gain on securities                              
available for sale, net of tax of $71                  109         109 
Reclassification adjustment for net security gain,                              
included in net income, net of tax of $13                  (19)        (19)
Amortization of unrealized gain on securities                              
available for sale transferred to securities held                              
to maturity included in net income, net of                              
tax of $168                  (348)        (348)
Unrealized loss on interest rate swap,                              
net of tax of $287                  (447)        (447)
Reclassification of interest rate swap                              
settlements included in earnings,                              
net of tax of $72                  111         111 
                               
Total comprehensive income                            4,711 
                               
Proceeds from stock options issued out of treasury        (31)             76    45 
Grants of restricted stock        (236)             236    0 
Vesting of restricted stock        84                   84 
Cash dividends declared $.705 per share             (1,147)             (1,147)
Cash dividends declared on unvested restricted stock             (21)             (21)
                               
Balance, December 31, 2011  $1,830   $7,140   $44,215   $1,934   ($4,757)  $50,362 

 

80

Consolidated Statements of Changes in Stockholders’ Equity (Continued)

Years Ended December 31, 2013, 2012, and 2011

(dollars in thousands except per share data)

 

            Accumulated      
      Additional     Other      
   Common  Paid-In  Retained  Comprehensive  Treasury   
   Stock  Capital  Earnings  Income (Loss)  Stock  Totals
                               
Balance, December 31, 2011  $1,830   $7,140   $44,215   $1,934   ($4,757)  $50,362 
(Brought Forward)                              
                               
Comprehensive income:                              
Net income             6,009              6,009 
Unrealized loss on securities                              
available for sale, net of tax of $119                  (191)        (191)
Amortization of unrealized gain on securities                              
available for sale transferred to securities held to                              
maturity included in net income, net of tax of $178                  (274)        (274)
Unrealized loss on interest rate swap,                              
net of tax of $116                  (179)        (179)
Reclassification of interest rate swap settlements                              
included in earnings, net of tax of $68                  104         104 
                               
Total comprehensive income                            5,469 
                               
Purchase of treasury stock                       (262)   (262)
Proceeds from stock options issued out of treasury        (6)             15    9 
Grants of restricted stock        (230)             230    0 
Vesting of restricted stock        116                   116 
Fractional cash dividends paid with 5% stock dividend             (10)             (10)
Cash dividends declared $.742 per share             (1,211)             (1,211)
Cash dividends declared on unvested restricted stock             (26)             (26)
                               
Balance, December 31, 2012  $1,830   $7,020   $44,977   $1,394   ($4,774)  $54,447 

 

81

Consolidated Statements of Changes in Stockholders’ Equity (Continued)

Years Ended December 31, 2013, 2012, and 2011

(dollars in thousands except per share data)

 

            Accumulated      
      Additional     Other      
   Common  Paid-In  Retained  Comprehensive  Treasury   
   Stock  Capital  Earnings  Income (Loss)  Stock  Totals
                   
Balance, December 31, 2012  $1,830   $7,020   $48,977   $1,394   ($4,774)  $54,447 
(Brought Forward)                              
                               
Comprehensive income:                              
Net income             4,744              4,744 
Unrealized loss on securities                              
available for sale, net of tax of $613                  (961)        (961)
Reclassification adjustment for security gain                              
Included in net income, net of tax of $5                  (7)        (7)
Amortization of unrealized gain on securities                              
available for sale transferred to securities held to                              
maturity included in net income, net of tax of $184                  (236)        (236)
Unrealized gain on interest rate swap,                              
net of tax of $29                  46         46 
Reclassification of interest rate swap settlements                              
included in earnings, net of tax of $73                  113         113 
                               
Total comprehensive income                            3,699 
                               
Purchase of treasury stock                       (269)   (269)
Grants of restricted stock        (218)             218    0 
Vesting of restricted stock        165                   165 
Cash dividends declared $.78 per share             (1,263)             (1,263)
Cash dividends declared on unvested restricted stock             (26)             (26)
                               
Balance, December 31, 2013  $1,830   $6,967   $52,432   $349   ($4,825)  $56,753 

 

See accompanying notes to consolidated financial statements.

82

Consolidated Statements of Cash Flows

Years Ended December 31, 2013, 2012, and 2011

(dollars in thousands except per share data)

 

   2013  2012  2011
          
Increase (decrease) in cash and cash equivalents:               
Cash flows from operating activities:               
Net income  $4,744   $6,009   $5,305 
Adjustments to reconcile net income to net cash provided by operating activities:               
Provision for depreciation and net amortization   2,516    2,604    2,329 
Provision (benefit) for deferred income taxes   (33)   400    (100)
Provision for loan losses   4,015    785    1,390 
Deferred net loan origination costs   (514)   (443)   (292)
Proceeds from sales of loans held for sale   63,510    102,080    63,305 
Originations of loans held for sale   (61,950)   (101,812)   (62,267)
Gain on sale of loans   (1,373)   (1,918)   (1,064)
Provision for (recapture of) mortgage servicing rights valuation allowance   (259)   199    (122)
Net (gain) loss on sale of premises and equipment   0    3    (15)
Realized gain on sale of securities available for sale   (12)   0    (32)
Net loss on sale and provision for write-down of foreclosed assets   301    443    972 
Increase in cash surrender value of bank-owned life insurance   (402)   (407)   (415)
Gain on bargain purchase   0    (851)   0 
Changes in operating assets and liabilities:               
Accrued interest receivable   81    313    170 
Other assets   1,590    386    64 
Accrued expenses and other liabilities   820    (235)   429 
                
Net cash provided by operating activities   13,034    7,556    9,657 
                
Cash flows from investing activities:               
Proceeds from maturities of securities available for sale   41,824    49,290    17,046 
Proceeds from sale of securities available for sale   986    0    37 
Proceeds from maturities of securities held to maturity   6,502    10,778    4,264 
Payment for purchase of securities available for sale   (31,241)   (32,368)   (21,697)
Payment for purchase of securities held to maturity   (8,960)   (11,696)   (1,021)
Cash acquired on purchase of Marathon State Bank   0    14,910    0 
Net redemption (net purchase) of bank certificates of deposit   2,229    (1,981)   0 
Net redemption (purchase) of FHLB stock   (50)   744    0 
Net increase in loans   (36,746)   (10,349)   (7,130)
Capital expenditures   (334)   (572)   (191)
Proceeds from sale of premises and equipment   0    0    15 
Proceeds from sale of foreclosed assets   831    1,527    987 
Purchase of bank-owned life insurance   (611)   0    (92)
                
Net cash provided by (used in) investing activities   (25,570)   20,283    (7,782)

 

83

Consolidated Statements of Cash Flows (Continued)

Years Ended December 31, 2013, 2012, and 2011

(dollars in thousands except per share data)

 

   2013  2012  2011
          
Cash flows from financing activities:               
Net increase (decrease) in non-interest-bearing deposits  $12,825   ($9,902)  $17,366 
Net decrease in interest-bearing deposits   (694)   (6,832)   (1,114)
Net decrease in Federal Home Loan Bank advances   (12,075)   0    (7,310)
Net increase (decrease) in other borrowings   (287)   1,037    (11,820)
Repayment of senior subordinated notes   (3,000)          
Dividends declared   (1,289)   (1,247)   (1,168)
Proceeds from exercise of stock options   0    9    45 
Purchase of treasury stock   (269)   (262)   0 
                
Net cash used in financing activities   (4,789)   (17,197)   (4,001)
                
Net increase (decrease) in cash and cash equivalents   (17,325)   10,642    (2,126)
Cash and cash equivalents at beginning   48,847    38,205    40,331 
                
Cash and cash equivalents at end  $31,522   $48,847   $38,205 
                
Supplemental cash flow information:               
Cash paid during the year for:               
Interest  $5,645   $7,177   $8,982 
Income taxes   759    2,146    2,445 
                
Noncash investing and financing activities:               
Loans charged off  $4,743   $1,332   $1,587 
Loans transferred to foreclosed assets   1,342    1,295    1,006 
Loans originated on sale of foreclosed properties   234    490    1,075 
Grants of unvested restricted stock at fair value   210    200    200 
Vesting of restricted stock grants   165    116    84 
Amortization of unrealized gain on securities held to maturity transferred               
from securities available for sale   420    452    516 

 

See accompanying notes to consolidated financial statements.

84

Notes to Consolidated Financial Statements (dollars in thousands except per share data)

 

NOTE 1 Summary of Significant Accounting Policies

 

Principal Business Activity

 

PSB Holdings, Inc. operates Peoples State Bank (the “Bank”), a full-service financial institution chartered as a Wisconsin commercial bank with eight locations in a primary service area including, but not limited to, Marathon, Oneida, and Vilas counties in Wisconsin. PSB operates as a community bank and provides a variety of retail consumer and commercial banking products, including uninsured investment and insurance products, long-term fixed-rate residential mortgages, and commercial treasury management services.

 

Principles of Consolidation

 

The consolidated financial statements include the accounts of PSB Holdings, Inc. and its subsidiary, Peoples State Bank. Peoples State Bank owns and operates a Nevada subsidiary, PSB Investments, Inc., to manage the Bank’s investment securities. All significant intercompany balances and transactions have been eliminated. The accounting and reporting policies of PSB conform to accounting principles generally accepted in the United States (GAAP) and to the general practices within the banking industry. Any reference to “PSB” refers to the consolidated or individual operations of PSB Holdings, Inc. and its subsidiary, Peoples State Bank.

 

Use of Estimates in Preparation of Financial Statements

 

The preparation of the consolidated financial statements in conformity with GAAP requires management to make certain estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from those estimates. Estimates that are susceptible to significant change include the determination of the allowance for loan losses, mortgage servicing rights assets, and the valuation of investment securities.

 

Cash Equivalents

 

For purposes of reporting cash flows in the consolidated financial statements, cash and cash equivalents include cash and due from banks, interest-bearing deposits and money market funds, and federal funds sold, all of which have original maturities of three months or less.

 

Securities

 

Securities are assigned an appropriate classification at the time of purchase in accordance with management’s intent. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and recorded at amortized cost. Amortization of the net unrealized gain on securities held to maturity that were transferred from securities available for sale is recognized in other comprehensive income using the interest method over the estimated lives of the securities. Amortization of premiums and accretion of discounts on purchased securities held to maturity is recognized in interest income using the interest method over the estimated lives of the securities. Trading securities include those securities bought and held principally for the purpose of selling them in the near future. PSB has no trading securities. Securities not classified as either securities held to maturity or trading securities are considered available for sale and reported at fair value determined from estimates of brokers or other sources. Unrealized gains and losses are excluded from earnings but are reported as other comprehensive income, net of income tax effects. Amortization of premiums and accretion of discounts is recognized in interest income using the interest method over the estimated lives of the securities.

 

Gains and losses on the sale of securities are recorded on the trade date and determined using the specific-identification method.

 

Declines in fair value of securities that are deemed to be other than temporary, if applicable, are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers the length of time and the extent to which fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of PSB to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.

 

Loans Held for Sale

 

PSB sells substantially all 20- and 30-year long-term fixed-rate single-family mortgage loans and the majority of 15-year fixed-rate mortgage loans it originates to the secondary market. The gain or loss associated with sales of single-family mortgage loans is recorded as a component of mortgage banking revenue.

 

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are recognized through a valuation allowance by charges to income. Gains and losses on the sale of loans held for sale are determined using the specific identification method using quoted market prices.

85
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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

In sales of mortgage loans to the Federal Home Loan Bank (FHLB) prior to 2009, PSB retained a secondary portion of the credit risk on the underlying loans in exchange for a credit enhancement fee. When applicable, PSB records a recourse liability to provide for potential credit losses. PSB also provides representations and warranties regarding originated loans sold to secondary market buyers including the FHLB and the Federal National Mortgage Association (FNMA). These representations and warranties can lead to additional credit risk for which PSB records a recourse liability. Because the loans involved in these transactions are similar to those in PSB’s loans held for investment, the review of the adequacy of the recourse liability is similar to the review of the adequacy of the allowance for loan losses (refer to “Allowance for Loan Losses”).

 

Loans

 

Loans that management has the intent to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest on loans is credited to income as earned. Interest income is not accrued on loans where management has determined collection of such interest is doubtful or those loans which are past due 90 days or more as to principal or interest payments. When a loan is placed on nonaccrual status, previously accrued but unpaid interest deemed uncollectible is reversed and charged against current income. After being placed on nonaccrual status, additional income is recorded only to the extent that payments are received and the collection of principal becomes reasonably assured. Interest income recognition on loans considered to be impaired is consistent with the recognition on all other loans.

 

Loan origination fees and certain direct loan origination costs are deferred and recognized as an adjustment of the related loan yield using the interest method.

 

Allowance for Loan Losses

 

The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when management believes the collectibility of the principal is unlikely.

 

Management maintains the allowance for loan losses at a level to cover probable credit losses relating to specifically identified loans, as well as probable credit losses inherent in the balance of the loan portfolio. In accordance with current accounting standards, the allowance is provided for losses that have been incurred based on events that have occurred as of the balance sheet date. The allowance is based on past events and current economic conditions and does not include the effects of expected losses on specific loans or groups of loans that are related to future events or expected changes in economic conditions. While management uses the best information available to make its evaluation, future adjustments to the allowance may be necessary if there are significant changes in economic conditions.

 

The allowance for loan losses includes specific allowances related to loans which have been judged to be impaired. A loan is impaired when, based on current information, it is probable that PSB will not collect all amounts due in accordance with the contractual terms of the loan agreement. Management has determined that all loans that have a nonaccrual status or have had their terms restructured, meet this definition. Loans currently maintained on accrual status but expected to be placed on nonaccrual or have their terms restructured in the near term are also considered impaired. Large groups of homogeneous loans, such as mortgage and consumer loans, are not collectively evaluated for impairment. Specific allowances on impaired loans are based on discounted cash flows of expected future payments using the loan’s initial effective interest rate or the fair value of the collateral if the loan is collateral dependent.

 

In addition, various regulatory agencies periodically review the allowance for loan losses. These agencies may require PSB to make additions to the allowance for loan losses based on their judgments of collectibility resulting from information available to them at the time of their examination.

 

Foreclosed Assets

 

Real estate and other property acquired through, or in lieu of, loan foreclosure are initially recorded at fair value (after deducting estimated costs to sell) at the date of foreclosure, establishing a new cost basis. Costs related to development and improvement of property are capitalized, whereas costs related to holding property are expensed. After foreclosure, valuations are periodically performed by management, and the real estate or other property is carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in any valuation allowance are included in loss on foreclosed assets.

 

Premises and Equipment

 

Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is computed principally on the straight-line method and is based on the estimated useful lives of the assets varying primarily from 15 to 40 years on buildings, 5 to 10 years on furniture and equipment, and 3 years on computer hardware and software. Maintenance and repair costs are charged to expense as incurred. Gains or losses on disposition of property and equipment are reflected in income.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Mortgage Servicing Rights

 

PSB services the single-family mortgages it sells to the FHLB and FNMA. Servicing mortgage loans includes such functions as collecting monthly payments of principal and interest from borrowers, passing such payments through to third-party investors, maintaining escrow accounts for taxes and insurance, and making such payments when they are due. When necessary, servicing mortgage loans also includes functions related to the collection of delinquent principal and interest payments, loan foreclosure proceedings, and disposition of foreclosed real estate. PSB generally earns a servicing fee of 25 basis points on the outstanding loan balance for performing these services as well as fees and interest income from ancillary sources such as delinquency charges and payment float. Servicing fee income is recorded as a component of mortgage banking revenue, net of the amortization and charges described in the following paragraphs.

 

PSB records originated mortgage servicing rights (OMSR) as a component of mortgage banking income when the obligation to service such loans has been retained. The initial value recorded for OMSR is based on the fair values of the servicing fee adjusted for expected future costs to service the loans, as well as income and fees expected to be received from ancillary sources, as previously described. The carrying value of OMSR is amortized against service fee income in proportion to estimated gross servicing revenues, net of estimated costs of servicing, adjusted for expected prepayments. In addition to this periodic amortization, the carrying value of OMSR associated with loans that actually prepay is also charged against servicing fee income as amortization. During periods of falling long-term interest rates, prepayments would likely accelerate, increasing amortization of existing OMSR against servicing fee income, and impair the value of OMSR as described below.

 

The carrying value of OMSR recorded in PSB’s consolidated balance sheets (“mortgage servicing rights” or MSRs) is subject to impairment because of changes in loan prepayment expectations and in market discount rates used to value the future cash flows associated with such assets. In valuing MSRs, PSB stratifies the loans by year of origination, term of the loan, and range of interest rates within each term. If, based on a periodic evaluation, the estimated fair value of the MSRs related to a particular stratum is determined to be less than its carrying value, a valuation allowance is recorded against such stratum and against PSB’s loan servicing fee income, which is included as a component of mortgage banking revenue. If the periodic evaluation of impairment calls for a valuation allowance less than currently recorded, the decrease in the valuation allowance is recaptured, offsetting amortization from loan prepayments during the period and increasing mortgage banking revenue. The valuation allowance is calculated using the current outstanding principal balance of the related loans, long-term prepayment assumptions as provided by independent sources, a market-based discount rate, and other management assumptions related to future costs to service the loans, as well as ancillary sources of income.

 

Federal Home Loan Bank Stock

 

As a member of the FHLB system, PSB is required to hold stock in the FHLB of Chicago based on the level of borrowings advanced to PSB. This stock is recorded at cost, which approximates fair value. The stock is evaluated for impairment on an annual basis. Transfer of the stock is substantially restricted.

 

Bank-Owned Life Insurance

 

PSB has purchased life insurance policies on certain officers. Bank-owned life insurance is recorded at its cash surrender value. Changes in cash surrender value are recorded in other income.

 

Retirement Plans

 

PSB maintains a defined contribution 401(k) profit sharing plan which covers substantially all full-time employees.

 

Income Taxes

 

Deferred income taxes have been provided under the liability method. Deferred tax assets and liabilities are determined based on the difference between the financial statement and tax bases of assets and liabilities as measured by the enacted tax rates which will be in effect when these differences are expected to reverse. Deferred tax expense is the result of changes in the deferred tax asset and liability and is a component of the provision for income taxes.

 

PSB may also recognize a liability for unrecognized tax benefits from uncertain tax positions. Unrecognized tax benefits represent the difference between a tax position taken or expected to be taken in a tax return and the benefit recognized and measured in the financial statements. Interest and penalties related to unrecognized benefits are recorded as additional income tax expense.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Advertising and Promotional Costs

 

Costs relating to PSB’s advertising and promotion are generally expensed when paid.

 

Derivative Instruments and Hedging Activities

 

All derivative instruments are recorded at their fair values. If derivative instruments are designated as hedges of fair values, both the change in the fair value of the hedge and the hedged item are included in current earnings. Fair value adjustments related to cash flow hedges are recorded in other comprehensive income and reclassified to earnings when the hedged transaction is reflected in earnings. Ineffective portions of hedges are reflected in income. The fair value of derivative instruments is not offset against cash collateral paid to secure those instruments but is reflected as gross amounts outstanding on the consolidated balance sheets.

 

Rate Lock Commitments

 

PSB enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. Rate lock commitments are recorded at fair value at period-end and classified as other assets on the consolidated balance sheets. Changes in the fair value of rate lock commitments during the period are reflected in the current period’s income statement as mortgage banking income. The fair value of rate lock commitments includes the estimated gain on sale of the loan to the secondary market agency plus the estimated value of OMSR on loans expected to be closed.

 

Fair Values of Financial Instruments

 

Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 23. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. The fair value estimates of existing on- and off-balance-sheet financial instruments do not include the value of anticipated future business or the values of assets and liabilities not considered financial instruments.

 

Segment Information

 

PSB, through the branch network of its banking subsidiary, provides a full range of consumer and commercial banking services to individuals, businesses, governments, and farms in northcentral Wisconsin. These services include demand, time, and savings deposits; safe deposit services; debit and credit cards; notary services; night depository; money orders, traveler’s checks, and cashier’s checks; savings bonds; secured and unsecured consumer, commercial, and real estate loans; ATM processing; cash management; and wealth management. While PSB’s chief decision makers monitor the revenue streams of various PSB products and services, operations are managed and financial performance is evaluated on a companywide basis. Accordingly, all of PSB’s banking operations are considered by management to be aggregated in one reportable operating segment.

 

Stock-Based Compensation

 

PSB uses the fair value based method of accounting for employee stock compensation plans, whereby compensation cost is measured at the grant date based on the value of the award and is recognized as expense over the service period, which is normally the vesting period.

 

Accumulated Other Comprehensive Income (Loss)

 

PSB’s accumulated other comprehensive income (loss) is composed of the unrealized gain (loss) on securities available for sale, net of tax, unrealized gain (loss) on interest rate swaps used for cash flow hedges after reclassification of settlements of the hedged item, net of tax, and unamortized unrealized gain on securities transferred to securities held to maturity from securities available for sale, net of tax, and is shown on the consolidated statements of comprehensive income.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Current Accounting Changes

 

Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) Topic 210, Balance Sheet. In January 2013, clarifications were issued of new authoritative accounting guidance first issued in December 2011 concerning disclosure of information about offsetting and related arrangements associated with derivative instruments. The clarifications and originally issued guidance require additional disclosures associated with offsetting and collateral arrangements with derivative instruments to enable users of PSB's financial statements to understand the effect of those arrangements on its financial position beginning March 31, 2013. These new disclosures were added as necessary during the quarter ended March 31, 2013, and did not have a significant impact to the reporting of PSB's financial results upon adoption.

 

FASB ASC Topic 220, Comprehensive Income. In February 2013, new authoritative accounting guidance was issued which required PSB to report the effect of significant reclassifications out of accumulated other comprehensive income in a footnote to the financial statements. The disclosure was effective beginning March 31, 2013 on a prospective basis. The change did not have a significant impact on PSB's financial reporting or results of operations upon adoption.

 

FASB ASC Topic 220, Comprehensive Income. In June 2011, new authoritative accounting guidance was approved that required changes to the presentation of comprehensive net income. Effective during the quarter ended March 31, 2012, PSB began to present comprehensive income as a separate financial statement directly after the basic income statement. Adoption of the new presentation standards for comprehensive income did not have any financial impact to PSB's financial results or operations.

 

FASB ASC Topic 310, Receivables. New authoritative accounting guidance issued in July 2010 under ASC Topic 310, Receivables, required extensive new disclosures surrounding the allowance for loan losses, although it did not change any credit loss recognition or measurement rules. The new rules require disclosures to include a breakdown of allowance for loan loss activity by portfolio segment as well as problem loan disclosures by detailed class of loan. In addition, disclosures on internal credit grading metrics and information on impaired, nonaccrual, and restructured loans are also required. The period-end disclosures were effective for financial periods ended December 31, 2010, but deferred presentation of loan loss allowance by loan portfolio segment until the quarter ended March 31, 2011. PSB adopted the rules for loan loss allowance disclosures by loan segment effective March 31, 2011.

 

In April 2011, new authoritative accounting guidance concerning a creditor’s determination of whether a loan restructuring is a troubled debt restructuring was issued under ASC Topic 310, Receivables. The amendments clarified existing guidance concerning the creditor’s evaluation of whether it has granted a concession and whether the concession was to a borrower experiencing financial difficulties. The guidance clarified that a troubled debt restructuring includes modifications to a borrower experiencing financial difficulties that did not otherwise have access to funds at a market rate for debt with similar risk characteristics as the restructured debt. In addition, a creditor may conclude that a debtor is experiencing financial difficulties even though the debtor is not currently in payment default if the debtor would be in default on any of its debt in the foreseeable future without loan modification. The clarifying guidance is expected to result in more consistent application of required accounting and disclosure for troubled debt restructurings. These amendments were adopted by PSB during the quarter ended September 30, 2011, and applied retrospectively to loans restructured since January 1, 2011. PSB did not incur a change to measurement of impairment from retrospective application of these amendments to loans restructured since January 1, 2011.

 

FASB ASC Topic 805, Business Combinations. In October 2012, new authoritative accounting guidance was issued that addressed accounting for an indemnification asset acquired as a result of a government-assisted acquisition of a financial institution when a subsequent change in cash flows expected to be collected is identified. After identification of the new cash flows, the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as accounting for the change in the assets subject to the indemnification. Amortization of these changes in value is limited to the remaining contractual term of the indemnification agreement. These new rules became effective for changes in cash flows identified beginning January 1, 2013. Adoption of this new guidance did not have an impact on PSB's financial statements.

 

FASB ASC Topic 805, Business Combinations. In December 2010, new authoritative guidance was approved that clarified the disclosure of revenue and earnings of an acquired entity with the combined entity as if the combination occurred as of the beginning of the year. Specifically, if comparative financial statements are presented, the combined entity should disclose revenue and earnings of the combined entity as though the business combination that occurred during the current year had occurred as of the beginning of the comparable prior annual reporting period only. The guidance was effective for combinations occurring after January 1, 2011. Adoption of this standard did not have a significant impact on PSB’s financial reporting.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

FASB ASC Topic 820, Fair Value Measurements. In May 2011, new authoritative accounting guidance concerning fair value measurements was issued. Significant provisions of the new guidance now require both domestic and international companies to follow existing United States guidance in measuring fair value. In addition, certain Level 3 unobservable inputs and impacts to fair value from sensitivity of these inputs to changes must be disclosed. Lastly, the level of fair value hierarchy used to estimate fair value of financial instruments not accounted for at fair value on the balance sheet (such as loans receivable and deposits) must be disclosed. These new disclosures were adopted during the quarter ended March 31, 2012, and did not have a significant impact to PSB financial reporting or operations.

 

Reclassifications

 

Certain prior year balances have been reclassified to conform to the current year presentation.

 

Subsequent Events

 

Management has reviewed PSB’s operations for potential disclosure of information or financial statement impacts related to events occurring after December 31, 2013, but prior to the release of these financial statements. A description of an agreement to purchase branch net assets made January 22, 2014, is described in Note 2.

 

NOTE 2 Merger and Acquisition Activity

 

Purchase of Marathon State Bank

 

On June 14, 2012, PSB purchased Marathon State Bank, a privately owned bank with $107 million in total assets located in the village of Marathon City, Wisconsin (“Marathon”). Under the terms of the agreement, PSB paid $5,505 in cash, which was equal to 100% of Marathon’s tangible net book value following a special dividend by Marathon to its shareholders to reduce its book equity ratio to 6% of total assets. The following table outlines the fair value of Marathon assets and liabilities acquired, including determination of the gain on bargain purchase using an accounting date of June 1, 2012. A core deposit intangible was not recorded on the purchase since the fair value calculation determined it was insignificant.

 

Cash purchase price  $5,505 
      
Fair value of assets acquired:     
Cash and due from banks   20,392 
Securities available for sale   50,547 
Loans receivable   23,760 
Short-term commercial paper and bankers’ acceptances   11,713 
Foreclosed assets   0 
Premises and equipment   402 
Core deposit intangible   0 
Accrued interest receivable and other assets   550 
      
Total fair value of assets acquired   107,364 
      
Fair value of liabilities assumed:     
Non-interest-bearing deposits   23,255 
Interest-bearing deposits   77,611 
Accrued interest payable and other liabilities   142 
      
Total fair value of liabilities assumed   101,008 
      
Fair value of net assets acquired   6,356 
      
Gain on bargain purchase  $851 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

PSB recorded a total credit markdown of $490 on Marathon’s loan portfolio on the purchase date, or 2.05% of gross purchased loan principal. Purchased impaired loan principal totaled $310 on which a $21 credit write-down was recorded. Due to the insignificant amount of total purchased impaired loans, the entire $490 credit markdown is accreted to income as a yield adjustment based on contractual cash flows over the remaining life of the purchased loans.

 

The gain on bargain purchase was due primarily to PSB’s recognition of fair value associated with Marathon’s investment securities and premises and equipment that was not previously recognized by Marathon in its stockholders’ equity, upon which the purchase price was factored.

 

Pro forma combined results of operations as if the combination occurred at the beginning of the year-to-date period ended December 31, 2012, are as follows:

 

   (pro forma combined at beginning of period)
   Net Interest  Noninterest  Net  Earnings
   Income  Income  Income  Per Share
             
PSB Holdings, Inc.  $19,670   $5,706   $5,587   $3.36 
Marathon State Bank   1,158    880    468    0.28 
                     
Pro forma totals  $20,828   $6,586   $6,055   $3.64 

 

Agreement to Purchase Rhinelander, Wisconsin, Branch

 

On January 22, 2014, the Bank entered into a definitive purchase agreement with The Baraboo National Bank ("Baraboo") to purchase Baraboo's branch location located in Rhinelander, Wisconsin, along with the related deposits and performing loans. The Bank also agreed to purchase the customer loans held at Baraboo's Elcho, Wisconsin, branch location. Under the terms of the agreement, the Bank will pay a deposit premium equal to 1.65% of purchased core deposits as defined in the agreement. At December 31, 2013, the branch to be purchased held approximately $22 million in loans receivable and $44 million in customer deposits. The transaction is expected to close during the quarter ended June 30, 2014.

 

NOTE 3 Cash And Cash Equivalents

 

PSB is required to maintain a certain reserve balance, in cash or on deposit with the Federal Reserve Bank, based upon a percentage of transactional deposits. As of December 31, 2013, PSB had a required reserve of $905, which was satisfied by cash balances of $1,694.

 

PSB is also required to provide collateral on interest rate swap agreement liabilities with counterparties. The total required collateral on deposit with counterparties before any offset against related swap liabilities was $570 at December 31, 2013, and $1,060 at December 31, 2012.

 

In the normal course of business, PSB maintains cash and due from bank balances with correspondent banks. PSB also maintains cash balances in money market mutual funds. Such balances are not insured. Total uninsured cash and cash equivalent balances totaled $12,045 and $515 at December 31, 2013 and 2012, respectively. At December 31, 2012, some of the correspondent banks were participating in the Federal Deposit Insurance Corporation’s (FDIC) Transaction Account Guarantee (TAG) program. Consequently, the majority of account balances with correspondent banks, except the FHLB, were guaranteed at December 31, 2012. If the TAG program had not been in effect, uninsured cash and cash equivalent balances would have been $18,112 at December 31, 2012. The TAG program expired on January 1, 2013.

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 4 Securities

 

The amortized cost and estimated fair value of investment securities are as follows:

 

      Gross  Gross  Estimated
   Amortized  Unrealized  Unrealized  Fair
   Cost  Gains  Losses  Value
             
December 31, 2013            
             
Securities available for sale                    
                     
U.S. Treasury securities and obligations of                    
  U.S. government corporations and agencies  $1,001   $0   $2   $999 
U.S. agency issued residential mortgage-backed securities   21,388    522    424    21,486 
U.S. agency issued residential collateralized mortgage obligations   37,998    482    576    37,904 
Privately issued residential collateralized mortgage obligations   102    3    0    105 
Obligations of states and political subdivisions   159    0    0    159 
Nonrated SBA loan fund   950    0    0    950 
Other equity securities   47    0    0    47 
                     
Totals  $61,645   $1,007   $1,002   $61,650 
                     
Securities held to maturity                    
                     
Obligations of states and political subdivisions  $69,704   $1,059   $887   $69,876 
Nonrated trust preferred securities   1,524    30    165    1,389 
Nonrated senior subordinated notes   401    6    0    407 
                     
Totals  $71,629   $1,095   $1,052   $71,672 
                     
December 31, 2012                    
                     
Securities available for sale                    
                     
U.S. Treasury securities and obligations of                    
  U.S. government corporations and agencies  $9,998   $29   $0   $10,027 
U.S. agency issued residential mortgage-backed securities   13,550    847    0    14,397 
U.S. agency issued residential collateralized mortgage obligations   44,544    749    50    45,243 
Privately issued residential collateralized mortgage obligations   168    5    0    173 
Nonrated commercial paper   5,500    0    0    5,500 
Other equity securities   47    0    0    47 
                     
Totals  $73,807   $1,630   $50   $75,387 
                     
Securities held to maturity                    
                     
Obligations of states and political subdivisions  $67,915   $2,581   $41   $70,455 
Nonrated trust preferred securities   1,505    60    66    1,499 
Nonrated senior subordinated notes   402    8    0    410 
                     
Totals  $69,822   $2,649   $107   $72,364 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Fair values of securities are estimated based on financial models or prices paid for similar securities. It is possible future interest rates could change considerably resulting in a material change in the estimated fair value.

 

Nonrated trust preferred securities at December 31, 2013 and 2012, consist of separate obligations issued by three holding companies headquartered in Wisconsin. Nonrated senior subordinated notes at December 31, 2013 and 2012, consist of one obligation issued by a Wisconsin state chartered bank. All issues of nonrated trust preferred securities or senior subordinated notes were current as to principal and interest payments as of December 31, 2013 and 2012.

 

The following table indicates the number of months securities that are considered to be temporarily impaired have been in an unrealized loss position at December 31:

 

   Less Than 12 Months  12 Months or More  Total
                   
   Fair  Unrealized  Fair  Unrealized  Fair  Unrealized
Description of Securities  Value  Loss  Value  Loss  Value  Loss
                   
2013                  
                   
Securities available for sale                              
                               
U.S. Treasury securities and obligations of                              
U.S. government corporations and agencies  $999   $2   $0   $0   $999   $2 
U.S. agency issued residential                              
mortgage-backed securities   13,206    424    0    0    13,206    424 
U.S. agency issued residential                              
collateralized mortgage obligations   14,179    334    5,830    242    20,009    576 
Obligations of states and political subdivisions   159    0    0    0    159    0 
                               
Totals  $28,543   $760   $5,830   $242   $34,373   $1,002 
                               
Securities held to maturity                              
                               
Obligations of states and political subdivisions  $23,017   $806   $1,073   $81   $24,090   $887 
Nonrated trust preferred securities   368    102    322    63    690    165 
                               
Totals  $23,385   $908   $1,395   $144   $24,780   $1,052 
                               
2012                              
                               
Securities available for sale                              
                               
U.S. agency issued residential                              
collateralized mortgage obligations  $8,130   $50   $0   $0   $8,130   $50 
                               
Securities held to maturity                              
                               
Obligations of states and political subdivisions  $5,639   $41   $0   $0   $5,639   $41 
Nonrated trust preferred securities   316    66    0    0    316    66 
                               
Totals  $5,955   $107   $0   $0   $5,955   $107 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

At December 31, 2013, 167 debt securities had unrealized losses with aggregate depreciation of 3.36% from the amortized cost basis, compared to 35 debt securities which had unrealized losses with aggregate depreciation of 1.10% from the amortized cost basis at December 31, 2012. These unrealized losses relate principally to an increase in interest rates relative to interest rates in effect at the time of purchase or reclassification from available-for-sale to held-to-maturity classification and are not due to changes in the financial condition of the issuers. However, the unrealized loss on nonrated trust preferred securities is due to an increase in credit spreads for risk on such investments demanded in the market. In analyzing an issuer’s financial condition, management considers whether the securities are issued by a government body or agency, whether a rating agency has downgraded the securities, industry analysts’ reports, and internal review of issuer financial statements. Since management does not intend to sell and has the ability to hold debt securities until maturity (or the foreseeable future for securities available for sale), no declines are deemed to be other than temporary.

 

The amortized cost and estimated fair value of debt securities and nonrated trust preferred securities and senior subordinated notes at December 31, 2013, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

   Available for Sale  Held to Maturity
      Estimated     Estimated
   Amortized  Fair  Amortized  Fair
   Cost  Value  Cost  Value
             
Due in one year or less  $0   $0   $3,312   $3,322 
Due after one year through five years   1,001    999    22,177    22,564 
Due after five years through ten years   0    0    39,678    39,728 
Due after ten years   159    159    6,462    6,058 
                     
Subtotals   1,160    1,158    71,629    71,672 
Mortgage-backed securities and collateralized mortgage obligations   59,488    59,495    0    0 
                     
Totals  $60,648   $60,653   $71,629   $71,672 

 

Securities with a fair value of $47,593 and $44,914 at December 31, 2013 and 2012, respectively, were pledged to secure public deposits, other borrowings, and for other purposes required by law.

 

During 2013, PSB realized a gain of $12 ($7 after tax expense) from proceeds totaling $986 on the sale of securities available for sale. There were no sales of securities during 2012. During 2011, PSB realized a gain of $32 ($19 after tax expense) from the sale of its remaining investment in FNMA preferred stock generating proceeds of $37.

 

During 2013, PSB reclassified $12 ($7 after tax impacts) to reduce comprehensive net income following a gain on sale of securities available for sale. The reduction to comprehensive net income was recognized as a $12 ($7 after tax impacts) gain on sale of securities on the statement of income during the year.

 

During 2010, PSB transferred all of its municipal, trust preferred, and senior subordinated note securities from the available-for-sale classification to the held-to-maturity classification to better reflect its intent and practice to hold these long-term debt securities until maturity. Fair value of the securities was $54,130 at the time of the transfer, which included a $2,552 unrealized gain over the existing amortized cost basis. The unrealized gain will be amortized against the new cost basis (equal to transfer date fair value) over the remaining life of the securities.

 

Scheduled amortization at December 31, 2013, of the remaining unrealized gain is as follows:

 

2014  $335 
2015   274 
2016   194 
2017   115 
2018   68 
Thereafter   44 
      
Total  $1,030 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 5 Loans

 

The composition of loans at December 31 categorized by the type of the loan is as follows:

 

   2013  2012
         
Commercial, industrial, and municipal  $130,220   $132,633 
Commercial real estate mortgage   212,850    183,818 
Commercial construction and development   13,672    28,482 
Residential real estate mortgage   123,980    105,579 
Residential construction and development   18,277    15,247 
Residential real estate home equity   20,677    21,756 
Consumer and individual   3,567    4,715 
           
Subtotals – Gross loans   523,243    492,230 
Loans in process of disbursement   (6,895)   (7,039)
           
Subtotals – Disbursed loans   516,348    485,191 
Net deferred loan costs   315    231 
Allowance for loan losses   (6,783)   (7,431)
           
Net loans receivable  $509,880   $477,991 

 

PSB originates and holds adjustable rate residential mortgage loans and commercial purpose loans with variable rates of interest. The rate of interest on some of these loans is capped over the life of the loan. At December 31, 2013 and 2012, PSB held $4,553 and $5,954, respectively, of variable rate loans with interest rate caps. At December 31, 2013 and 2012, none of the loans had reached the interest rate cap.

 

PSB, in the ordinary course of business, grants loans to its executive officers and directors, including their families and firms in which they are principal owners. All loans to executive officers and directors are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with others and, in the opinion of management, did not involve more than the normal risk of collectibility or present other unfavorable features. Activity in such loans is summarized below:

 

   2013  2012
         
Loans outstanding at beginning  $7,371   $9,958 
New loans   3,519    4,485 
Repayments   (4,227)   (7,072)
           
Loans outstanding at end  $6,663   $7,371 

 

At December 31, 2013 and 2012, PSB had total loans receivable of approximately $4,595 and $4,875, respectively, from one related party

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The following is a summary of information pertaining to impaired loans and nonperforming loans:

   December 31, 
   2013  2012  2011
             
Impaired loans without a valuation allowance  $9,303   $3,410   $5,474 
Impaired loans with a valuation allowance   6,472    9,029    11,745 
                
Total impaired loans before valuation allowances   15,775    12,439    17,219 
Valuation allowance related to impaired loans   2,108    2,434    3,178 
                
Net impaired loans  $13,667   $10,005   $14,041 

 

   Years Ended December 31,
   2013  2012  2011
          
Average recorded investment, net of allowance for loan losses  $14,109   $12,026   $12,965 
                
Interest income recognized  $534   $569   $597 
                
Interest income recognized on a cash basis on impaired loans  $0   $0   $0 

 

At December 31, 2013, $201 of funds were committed to be advanced on remaining available lines of credit in connection with impaired loans, while $214 of funds were committed to be advanced on remaining available lines of credit in connection with impaired loans at December 31, 2012.

 

Total loans receivable (including nonaccrual impaired loans) maintained on nonaccrual status as of December 31, 2013 and 2012 were $7,340 and $7,715, respectively. There were no loans past due 90 days or more but still accruing income at December 31, 2013 and 2012.

 

A summary analysis of the allowance for loan losses for the three years ended December 31 follows:

 

   2013  2012  2011
          
Balance, January 1  $7,431   $7,941   $7,960 
Provision charged to operating expense   4,015    785    1,390 
Recoveries on loans   80    37    178 
Loans charged off   (4,743)   (1,332)   (1,587)
                
Balance, December 31  $6,783   $7,431   $7,941 

 

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Detailed allowance for loan losses activity for the years ended December 31, 2013, 2012, and 2011, follows:

 

   2013
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,014   $2,803   $1,511   $103   $0   $7,431 
Provision   3,435    (9)   556    33    0    4,015 
Recoveries   29    33    6    12    0    80 
Charge-offs   (3,650)   (174)   (850)   (69)   0    (4,743)
                               
Ending balance  $2,828   $2,653   $1,223   $79   $0   $6,783 
                               
Individually evaluated for impairment  $1,167   $695   $228   $18   $0   $2,108 
                               
Collectively evaluated for impairment  $1,661   $1,958   $995   $61   $0   $4,675 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $8,102   $5,527   $2,129   $17   $0   $15,775 
                               
Collectively evaluated for impairment  $122,118   $220,995   $160,805   $3,550   $0   $507,468 

 

 

   2012
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,406   $3,175   $1,242   $118   $0   $7,941 
Provision   (270)   142    877    36    0    785 
Recoveries   6    4    21    6    0    37 
Charge-offs   (128)   (518)   (629)   (57)   0    (1,332)
                               
Ending balance  $3,014   $2,803   $1,511   $103   $0   $7,431 
                               
Individually evaluated for impairment  $1,327   $674   $407   $26   $0   $2,434 
                               
Collectively evaluated for impairment  $1,687   $2,129   $1,104   $77   $0   $4,997 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $5,263   $4,204   $2,946   $26   $0   $12,439 
                               
Collectively evaluated for impairment  $127,370   $208,096   $139,636   $4,689   $0   $479,791 

 

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   2011
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,862   $3,674   $211   $213   $0   $7,960 
Provision   245    (269)   1,398    16    0    1,390 
Recoveries   166    6    0    6    0    178 
Charge-offs   (867)   (236)   (367)   (117)   0    (1,587)
                               
Ending balance  $3,406   $3,175   $1,242   $118   $0   $7,941 
                               
Individually evaluated for impairment  $1,663   $885   $615   $15   $0   $3,178 
                               
Collectively evaluated for impairment  $1,743   $2,290   $627   $103   $0   $4,763 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $6,484   $8,063   $2,603   $69   $0   $17,219 
                               
Collectively evaluated for impairment  $120,708   $196,375   $112,123   $3,663   $0   $432,869 

 

PSB maintains an independent credit administration staff that continually monitors aggregate commercial loan portfolio and individual borrower credit quality trends. All commercial purpose loans are assigned a credit grade upon origination, and credit grades for nonproblem borrowers with aggregate credit in excess of $500 are reviewed annually. In addition, all past due, restructured, or identified problem loans, both commercial and consumer purpose, are reviewed and assigned an up-to-date credit grade quarterly.

 

PSB uses a seven point grading scale to estimate credit risk with risk rating 1, representing the high credit quality, and risk rating 7, representing the lowest credit quality. The assigned credit grade takes into account several credit quality components which are assigned a weight and blended into the composite grade. The factors considered and their assigned weight for the final composite grade is as follows:

 

Cash flow (30% weight) – Considers earnings trends and debt service coverage levels.

 

Collateral (25% weight) – Considers loan-to-value and other measures of collateral coverage.

 

Leverage (15% weight) – Considers balance sheet debt and capital ratios compared to Robert Morris & Associates (RMA) industry medians.

 

Liquidity (10% weight) – Considers balance sheet current, quick, and other working capital ratios compared to RMA industry medians.

 

Management (5% weight) – Considers the past performance, character, and depth of borrower management.

 

Guarantor (5% weight) – Considers the existence of a guarantor along with a bank’s past experience with the guarantor and his related liquidity and credit score.

 

Financial reporting (5% weight) – Considers the relative level of independent financial review obtained by the borrower on its financial statements, from audited financial statements down to existence of only tax returns or potentially unreliable financial information.

 

Industry (5% weight) – Considers the borrower’s industry and whether it is stable or subject to cyclical or seasonal factors.

 

Nonclassified loans are assigned a risk rating of 1 to 4 and have credit quality that ranges from well above average to some inherent industry weaknesses that may present higher than average risk due to conditions affecting the borrower, the borrower’s industry, or economic development.

 

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Special mention and watch loans are assigned a risk rating of 5 when potential weaknesses exist that deserve management’s close attention. If left uncorrected, the potential weaknesses may result in deterioration of repayment prospects or in credit position at some future date. Substandard loans are assigned a risk rating of 6 and are inadequately protected by the current worth and borrowing capacity of the borrower. Well-defined weaknesses exist that may jeopardize the liquidation of the debt. There is a possibility of some loss if the deficiencies are not corrected. At this point, the loan may still be performing and accruing.

 

Impaired and other doubtful loans assigned a risk rating of 7 have all of the weaknesses of a substandard credit plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of current facts, conditions, and collateral values highly questionable and improbable. Impaired loans include all nonaccrual loans and all restructured loans including restructured loans performing according to the restructured terms. In special situations, an impaired loan with a risk rating of 7 could still be maintained on accrual status such as in the case of restructured loans performing according to restructured terms.

 

The commercial credit exposure based on internally assigned credit grade at December 31, 2013 and 2012, follows:

 

   2013
      Commercial  Construction         
   Commercial  Real Estate  & Development  Agricultural  Government  Total
                   
High quality (risk rating 1)  $44   $0   $0   $0   $0   $44 
Minimal risk (2)   24,085    19,249    120    1,115    78    44,647 
Average risk (3)   51,745    145,673    8,863    2,563    6,512    215,356 
Acceptable risk (4)   26,395    34,154    2,917    424    357    64,247 
Watch risk (5)   8,146    7,572    1,632    0    0    17,350 
Substandard risk (6)   654    815    0    0    0    1,469 
Impaired loans (7)   4,860    5,387    140    152    3,090    13,629 
                               
Totals  $115,929   $212,850   $13,672   $4,254   $10,037   $356,742 

 

   2012
      Commercial  Construction         
   Commercial  Real Estate  & Development  Agricultural  Government  Total
                   
High quality (risk rating 1)  $38   $0   $0   $0   $0   $38 
Minimal risk (2)   16,360    20,193    305    559    1,575    38,992 
Average risk (3)   51,846    103,454    22,573    3,336    12,550    193,759 
Acceptable risk (4)   32,002    45,699    3,318    216    0    81,235 
Watch risk (5)   8,271    8,291    1,757    0    0    18,319 
Substandard risk (6)   617    2,179    327    0    0    3,123 
Impaired loans (7)   5,109    4,002    202    154    0    9,467 
                               
Totals  $114,243   $183,818   $28,482   $4,265   $14,125   $344,933 

 

The consumer credit exposure based on payment activity at December 31, 2013 and 2012, follows:

 

   2013
   Residential-  Residential-  Construction and      
   Prime  HELOC  Development  Consumer  Total
                
Performing  $122,408   $20,167   $18,230   $3,550   $164,355 
Impaired loans   1,572    510    47    17    2,146 
                          
Totals  $123,980   $20,677   $18,277   $3,567   $166,501 

 

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   2012
   Residential-  Residential-  Construction and      
   Prime  HELOC  Development  Consumer  Total
                
Performing  $103,292   $21,250   $15,094   $4,689   $144,325 
Impaired loans   2,287    506    153    26    2,972 
                          
Totals  $105,579   $21,756   $15,247   $4,715   $147,297 

 

The payment age analysis of loans receivable disbursed at December 31, 2013 and 2012, follows:

 

   2013
   30-59  60-89  90+  Total     Total  90+ and
Loan Class  Days  Days  Days  Past Due  Current  Loans  Accruing
                      
Commercial:                                   
Commercial and industrial  $284   $57   $610   $951   $114,978   $115,929   $0 
Agricultural   0    0    152    152    4,102    4,254    0 
Government   0    0    0    0    10,037    10,037    0 
                                    
Commercial real estate:                                   
Commercial real estate   376    547    1,276    2,199    210,651    212,850    0 
Construction and development   0    0    0    0    11,434    11,434    0 
                                    
Residential real estate:                                   
Residential – Prime   369    87    335    791    123,189    123,980    0 
Residential – HELOC   45    14    314    373    20,304    20,677    0 
Construction and development   37    0    0    37    13,583    13,620    0 
                                    
Consumer   15    10    9    34    3,533    3,567    0 
                                    
Totals  $1,126   $715   $2,696   $4,537   $511,811   $516,348   $0 

 

   2012
   30-59  60-89  90+  Total     Total  90+ and
Loan Class  Days  Days  Days  Past Due  Current  Loans  Accruing
                      
Commercial:                                   
Commercial and industrial  $375   $83   $1,795   $2,253   $111,990   $114,243   $0 
Agricultural   0    154    0    154    4,111    4,265    0 
Government   0    0    0    0    14,125    14,125    0 
                                    
Commercial real estate:                                   
Commercial real estate   936    76    1,028    2,040    181,778    183,818    0 
Construction and development   0    20    0    20    25,340    25,360    0 
                                    
Residential real estate:                                   
Residential – Prime   950    274    1,344    2,568    103,011    105,579    0 
Residential – HELOC   64    0    335    399    21,357    21,756    0 
Construction and development   0    0    133    133    11,197    11,330    0 
                                    
Consumer   21    3    15    39    4,676    4,715    0 
                                    
Totals  $2,346   $610   $4,650   $7,606   $477,585   $485,191   $0 

 

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The impaired loans at December 31, 2013 and 2012, and during the years then ended, by loan class, follows:

 

   2013
   Unpaid        Average  Interest
   Principal  Related  Recorded  Recorded  Income
   Balance  Allowance  Investment  Investment  Recognized
                
With no related allowance recorded:                         
                          
Commercial and industrial  $2,906   $0   $2,861   $2,172   $135 
Commercial real estate   2,555    0    2,376    1,740    85 
Commercial construction and development   1    0    0    0    0 
Agricultural   0    0    0    0    0 
Government   3,090    0    3,090    1,545    150 
Residential – Prime   979    0    866    845    14 
Residential – HELOC   110    0    110    55    3 
Residential construction and development   0    0    0    0    0 
Consumer   0    0    0    0    0 
                          
With an allowance recorded:                         
                          
Commercial and industrial  $2,231   $1,112   $1,999   $2,813   $43 
Commercial real estate   3,143    621    3,011    2,955    81 
Commercial construction and development   142    74    140    171    8 
Agricultural   152    55    152    153    0 
Residential – Prime   749    101    706    1,085    9 
Residential – HELOC   412    119    400    453    5 
Residential construction and development   49    8    47    106    1 
Consumer   19    18    17    22    0 
                          
Totals:                         
                          
Commercial and industrial  $5,137   $1,112   $4,860   $4,985   $178 
Commercial real estate   5,698    621    5,387    4,695    166 
Commercial construction and development   143    74    140    171    8 
Agricultural   152    55    152    153    0 
Government   3,090    0    3,090    1,545    150 
Residential – Prime   1,728    101    1,572    1,930    23 
Residential – HELOC   522    119    510    508    8 
Residential construction and development   49    8    47    106    1 
Consumer   19    18    17    22    0 

 

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   2012
   Unpaid        Average  Interest
   Principal  Related  Recorded  Recorded  Income
   Balance  Allowance  Investment  Investment  Recognized
                
With no related allowance recorded:                         
                          
Commercial and industrial  $1,483   $0   $1,483   $1,545   $88 
Commercial real estate   1,103    0    1,103    2,405    194 
Commercial construction and development   0    0    0    0    33 
Residential – Prime   824    0    824    493    9 
Residential – HELOC   0    0    0    0    3 
                          
With an allowance recorded:                         
                          
Commercial and industrial  $3,626   $1,287   $2,339   $2,777   $62 
Commercial real estate   2,899    643    2,256    2,634    105 
Commercial construction and development   202    31    171    316    21 
Agricultural   154    40    114    57    10 
Residential – Prime   1,463    277    1,186    1,384    22 
Residential – HELOC   506    126    380    259    15 
Residential construction and development   153    4    149    129    5 
Consumer   26    26    0    27    2 
                          
Totals:                         
                          
Commercial and industrial  $5,109   $1,287   $3,822   $4,322   $150 
Commercial real estate   4,002    643    3,359    5,039    299 
Commercial construction and development   202    31    171    316    54 
Agricultural   154    40    114    57    10 
Residential – Prime   2,287    277    2,010    1,877    31 
Residential – HELOC   506    126    380    259    18 
Residential construction and development   153    4    149    129    5 
Consumer   26    26    0    27    2 
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The loans on nonaccrual status at December 31, follows:

 

   2013  2012
       
Commercial:          
Commercial and industrial  $1,575   $3,023 
Agricultural   152    154 
           
Commercial real estate:          
Commercial real estate   4,103    2,001 
Construction and development   17    1 
           
Residential real estate:          
Residential – Prime   1,059    2,021 
Residential – HELOC   387    365 
Construction and development   30    133 
           
Consumer   17    17 
           
Totals  $7,340   $7,715 

 

The following table presents information concerning modifications of troubled debt made during 2013 and 20112:

 

         Postmodification
      Premodification  Outstanding
      Outstanding  Recorded
   Number of  Recorded  Investment
As of December 31, 2013  contracts  Investment  at Period-End
          
Commercial and industrial   7   $1,012   $642 
Commercial and real estate   5    587    564 
Residential real estate - Prime   5    867    852 

 

During the year ended December 31, 2013, approximately $1,272, or 52%, of the modified loan principal was restructured to capitalize unpaid property taxes, and $1,194, or 48%, was modified to extend amortization periods or to lower the existing interest rate. No loan principal was charged off or forgiven in connection with the modifications. At December 31, 2013, specific loan loss reserves maintained on loans modified or restructured during 2013 totaled $258.

 

The following table outlines past troubled debt restructurings that subsequently defaulted during 2013 when the default occurred within 12 months of the last restructuring date. For purposes of this table, default is defined as 90 days or more past due on restructured payments.

 

   Number of  Recorded
   Contracts  Investment
Commercial and industrial   1    $ 0 
Commercial real estate   1    80 
Residential real estate - Prime   1    87 

 

The contracts noted above were originally restructured primarily to lower the interest rate and convert payments to interest only. Collateral supporting the modified loans was in the process of foreclosure at period-end. No specific loan loss reserves were maintained on these impaired loans at December 31, 2013.

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         Postmodification
      Premodification  Outstanding
      Outstanding  Recorded
   Number of  Recorded  Investment
As of December 31, 2012  Contracts  Investment  at Period-End
Commercial and industrial   6   $661   $614 
Commercial and real estate   3    603    570 
Residential real estate - Prime   1    121    89 

 

During the year ended December 31, 2012, approximately $328, or 24%, of the modified loan principal was restructured to convert the payments from amortizing principal payments to interest only payments, $379, or 27%, was restructured to capitalize unpaid property taxes, and $678, or 49%, was modified to extend amortization periods or to lower the existing interest rate. No loan principal was charged off or forgiven in connection with the modifications. At December 31, 2012, specific loan loss reserves maintained on loans modified or restructured during 2012 totaled $254.

 

The following table outlines past troubled debt restructurings that subsequently defaulted during 2012 when the default occurred within 12 months of the last restructuring date. For purposes of this table, default is defined as 90 days or more past due on restructured payments.

 

   Number of  Recorded
   Contracts  Investment
Commercial and industrial   2   $  0 
Commercial real estate   1    45 

 

The contracts noted above were originally restructured primarily to lower the interest rate and convert payments to interest only. Collateral supporting the modified loans was in the process of foreclosure at period-end. No specific loan loss reserves were maintained on these impaired loans at December 31, 2012.

 

Under a secondary market loan servicing program with the FHLB, in exchange for a monthly fee, PSB provides a credit enhancement guarantee to reimburse the FHLB for foreclosure losses in excess of 1% of original loan principal sold to the FHLB. At December 31, 2013, PSB serviced payments on $23,709 of first lien residential loan principal under these terms for the FHLB. At December 31, 2013, the maximum PSB obligation for such guarantees would be approximately $949 if total foreclosure losses on the entire pool of loans exceed approximately $1,593. Management believes the likelihood of reimbursement for credit loss payable to the FHLB on loans underwritten according to program requirements beyond the monthly credit enhancement fee is remote. PSB recognizes the credit enhancement fee as mortgage banking income when received in cash and does not maintain any recourse liability for possible credit enhancement losses.

 

PSB had originated and sold $5,202 and $5,438 of commercial and commercial real estate loans to other participating financial institutions at December 31, 2013 and 2012, respectively, to accommodate customer credit needs and maintain compliance with internal and external large borrower limits. Likewise, PSB had purchased $27,404 and $20,601 of commercial and commercial real estate loans originated by other Wisconsin-based financial institutions at December 31, 2013 and 2012, respectively, as part of informal reciprocal relationships that allow the originating bank to meet the needs of their large credit customers. PSB does not charge servicing fees to the participating institutions on these traditional loan participations sold by PSB, and no servicing right asset or liability has been recognized on these relationships. Any credit losses incurred on purchased or sold participation loans upon liquidation are shared pro-rata among the participants based on principal owned.

 

NOTE 6 Foreclosed Assets

 

A summary of activity in foreclosed assets for the period ended December 31 is as follows:

 

   2013  2012  2011
Balance at beginning of year  $1,774   $2,939   $4,967 
Transfer of loans at net realizable value to foreclosed assets   1,342    1,295    1,006 
Sale proceeds   (831)   (1,527)   (987)
Loans made on sale of foreclosed assets   (234)   (490)   (1,075)
Net gain from sale of foreclosed assets   105    42    20 
Provision for write-down charged to operations   (406)   (485)   (992)
                
Balance at end of year  $1,750   $1,774   $2,939 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Net gain and loss from the sale of foreclosed assets as well as the provision to expense for the partial write-down of foreclosed assets prior to sale are recorded as loss on foreclosed assets. Loss on foreclosed assets also includes periodic holding costs related to foreclosed assets. The total loss on foreclosed assets was $428, $573, and $1,197 during the years ended 2013, 2012, and 2011, respectively.

 

NOTE 7 Mortgage Servicing Rights

 

Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of residential mortgage loans serviced for FHLB and FNMA were $272,280 and $269,554 at December 31, 2013 and 2012, respectively. The following is a summary of changes in the balance of MSRs:

 

   Originated  Valuation   
   MSR  Allowance  Total
          
Balance at January 1, 2011  $1,303   ($203)  $1,100 
                
Additions from originated servicing   419    0    419 
Amortization charged to earnings   (436)   0    (436)
Change in valuation allowance credited to earnings   0    122    122 
                
Balance at December 31, 2011   1,286    (81)   1,205 
                
Additions from originated servicing   774    0    774 
Amortization charged to earnings   (547)   0    (547)
Change in valuation allowance charged to earnings   0    (199)   (199)
                
Balance at December 31, 2012   1,513    (280)   1,233 
                
Additions from originated servicing   625    0    625 
Amortization charged to earnings   (421)   0    (421)
Change in valuation allowance credited to earnings   0    259    259 
                
Balance at December 31, 2013  $1,717   ($21)  $1,696 

 

The table below summarizes the components of PSB’s mortgage banking income for the three years ended December 31.

 

   Years Ending December 31,
   2013  2012  2011
          
Cash gain on sale of mortgage loans  $826   $1,113   $642 
Originated mortgage servicing rights   625    774    419 
Increase (decrease) in accrued mortgage rate lock commitments   (78)   31    3 
                
Gain on sale of mortgage loans   1,373    1,918    1,064 
                
Mortgage servicing fee income   674    649    645 
Provision for representation and warranty losses on serviced loans   (294)   (28)   (38)
FHLB credit enhancement fee income   0    2    16 
Amortization of mortgage servicing rights   (421)   (547)   (436)
Decrease (increase) in servicing right valuation allowance   259    (199)   122 
                
Loan servicing fee income, net   218    (123)   309 
                
Mortgage banking income, net  $1,591   $1,795   $1,373 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 8 Premises and Equipment

 

The composition of premises and equipment at December 31 follows:

 

   2013  2012
       
Land  $2,261   $2,306 
Buildings and improvements   9,379    9,596 
Furniture and equipment   3,084    3,099 
Computer hardware and software   1,690    1,591 
           
Total cost   16,414    16,592 
Less – Accumulated depreciation and amortization   6,745    6,352 
           
Totals  $9,669   $10,240 

 

Depreciation and amortization charged to operating expenses amounted to $723 in 2013, $659 in 2012, and $673 in 2011.

 

Lease Commitments

 

PSB leases various pieces of equipment under cancelable leases and office space for one branch location under a noncancelable lease. The noncancelable branch location lease expires in May 2014. The lease is classified as operating. Future minimum payments under the noncancelable lease total $24 during 2014.

 

Rental expense for all operating leases was $76, $72, and $69, for the years ended December 31, 2013, 2012, and 2011, respectively.

 

NOTE 9 Deposits

 

The distribution of deposits at December 31 is as follows:

 

   2013  2012
       
Non-interest-bearing demand  $102,644   $89,819 
Interest-bearing demand (NOWs)   118,769    131,404 
Savings   57,658    53,799 
Money market   136,797    124,501 
Retail and local time   104,287    111,462 
Wholesale market and national time   57,359    54,457 
           
Total deposits  $577,514   $565,442 

 

The scheduled maturities of time deposits at December 31, 2013, are summarized as follows:

 

2014  $82,077 
2015   26,952 
2016   14,809 
2017   18,165 
2018   16,737 
Thereafter   2,906 
      
Total  $161,646 

 

Time deposits with individual balances of $100 and over totaled $103,207 and $102,424 at December 31, 2013 and 2012, respectively.

 

Deposits from PSB directors, executive officers, and related parties at December 31, 2013 and 2012 totaled $9,304 and $9,311, respectively.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 10 Federal Home Loan Bank Advances

 

FHLB advances at December 31 consist of the following:

 

         Weighted   
   Scheduled  Range of  Average   
   Maturity  Rates  Rate  Amount
             
2013            
             
Fixed rate, interest only  2014  2.69%-3.45%  3.18%  $31,049 
Variable rate, interest only  2014  1.33%  1.33%   5,000 
Fixed rate, interest only  2018  1.92%  1.92%   2,000 
               
Totals        2.87%  $38,049 
               
2012              
               
Fixed rate, interest only  2013  2.58%-3.75%  3.09%  $8,075 
Variable rate, interest only  2013  1.13%  1.13%   6,000 
Fixed rate, interest only  2014  2.69%-3.45%  3.18%   31,049 
Variable rate, interest only  2014  1.40%  1.40%   5,000 
               
Totals        2.74%  $50,124 

 

PSB also provides letters of credit to municipal deposit customers which are secured by a FHLB guarantee of payment to the depositor in the event of PSB default. PSB had $6,920 of FHLB public unit deposit letters of credit outstanding at December 31, 2013, which mature during 2014. No FHLB letters of credit were outstanding at December 31, 2012.

 

FHLB advances are subject to a prepayment penalty if they are repaid prior to maturity. PSB may draw upon an FHLB open line of credit or provide public unit deposit letters of credit up to approximately 65% of unencumbered one- to four-family residential first mortgage loans and 40% of residential junior mortgage loans pledged as collateral out of its portfolio. The FHLB advances are also secured by $2,556 of FHLB stock owned by PSB at December 31, 2013. PSB may draw both short-term and long-term advances on a maximum line of credit totaling approximately $100,862 based on pledged performing residential real estate mortgage collateral totaling $167,882 as of December 31, 2013. At December 31, 2013, PSB’s available and unused portion of this line of credit totaled approximately $54,944. PSB also has, under a current agreement with the FHLB, an ability to borrow up to $35,822 by pledging securities.

 

At December 31, 2013, FHLB advances drawn by PSB totaling greater than $51,124 would require PSB to purchase additional shares of FHLB capital stock. Transfer of FHLB stock is substantially restricted.

 

NOTE 11 Other Borrowings

 

Other borrowings consist of the following obligations at December 31 as follows:

 

   2013  2012
       
Short-term repurchase agreements  $5,441   $7,228 
Bank stock term loan   1,500    0 
Wholesale structured repurchase agreements   13,500    13,500 
           
Total other borrowings  $20,441   $20,728 

 

PSB pledges various securities available for sale as collateral for repurchase agreements. The fair value of securities pledged for repurchase agreements totaled $22,699 and $21,931 at December 31, 2013 and 2012, respectively.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

The following information relates to securities sold under repurchase agreements for the years ended December 31:

 

   2013  2012
       
As of end of year:          
Weighted average rate   3.08%    2.81% 
For the year:          
Highest month-end balance  $24,100   $20,728 
Daily average balance  $21,862   $19,190 
Weighted average rate   2.97%    3.11% 

 

The wholesale structured repurchase agreements are with JP Morgan Chase Bank N.A. and carry fixed rates. The repurchase agreements may be put back by the issuer to PSB for repayment on a quarterly basis. The following information relates to the terms of wholesale structured repurchase agreements issued at December 31, 2013:

 

Maturity Date  Current Rate  Amount
       
November 1, 2014  4.335%  $8,000 
November 1, 2017  4.090%   5,500 
         
Totals  4.235%  $13,500 

 

PSB has an agreement with the Federal Reserve to participate in their “Borrower in Custody” program in which performing commercial and commercial real estate loans may be pledged against short-term Discount Window advances. At December 31, 2013, the maximum amount of available advances from the Discount Window totaled $100,000, subject to available collateral pledged under the Borrower in Custody program or pledge of qualifying investment securities. At December 31, 2013, PSB had pledged $120,269 of commercial purpose loans in the program, which permitted Discount Window advances up to $89,875 against this collateral. No investment securities were pledged against the line at December 31, 2013 or 2012. There were no Discount Window advances outstanding at December 31, 2013 or 2012.

 

PSB maintains a line of credit at the parent holding company level with Bankers’ Bank, Madison, Wisconsin, for advances up to $3,000 which expires on December 30, 2014, and is secured by a pledge of PSB Holdings, Inc.’s investment in the common stock of the Bank. The line carries a variable rate of interest based on changes in the three-month London InterBank Offered Rate (LIBOR). As of December 31, 2013 and 2012, no advances were outstanding on the line of credit. Draws on the line of credit are subject to several restrictive covenants including minimum regulatory capital ratios, minimum capital and loan loss allowances to nonperforming assets, and minimum loan loss allowances to nonperforming assets. PSB did not violate any of the covenants at December 31, 2013 or 2012.

 

PSB has a term loan outstanding at the parent holding company level payable to Bankers’ Bank with semiannual installments of principal that was originated during 2013. Principal payments due are $1,000 in 2014 and $500 in 2015. Total interest expense on the term note totaled $54 during 2013.

 

NOTE 12 Senior Subordinated Notes

 

During 2009, PSB issued $7,000 of Senior Subordinated Notes (the “Notes”) on a private placement basis. The Notes carried a fixed interest rate of 8.00% paid quarterly and scheduled to mature on July 1, 2019. Under current banking regulatory capital rules, the Notes qualified as Tier 2 regulatory equity capital at December 31, 2012.

 

During 2013, PSB elected to prepay the Notes in full with $1,000 of cash and $6,000 in proceeds from an issue of new subordinated debt. The new debt includes $4,000 of privately placed notes carrying a 3.75% fixed interest rate with interest only payments, due in 2018, and $2,000 in a fully amortizing term note with Bankers’ Bank, Madison, Wisconsin, carrying a floating rate of interest and maturing in 2015. The $4,000 of new debt is held by related parties, including directors and a significant shareholder. The $6,000 in new subordinated debt did not qualify as Tier 2 regulatory capital at December 31, 2013. Total interest expense on senior subordinated notes was $184 during 2013, $578 during 2012, and $567 during 2011. Notes held by related parties including directors, their families, or significant shareholders totaled $4,000 at December 31, 2013 and $3,250 at December 31, 2012.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 13 Junior Subordinated Debentures

 

PSB has issued $7,732 of junior subordinated debentures to PSB Holdings Statutory Trust I (the “Trust”) in connection with an issue of trust preferred securities during 2005. The subordinated debentures mature in 2035 and carried a fixed rate of interest of 5.82% during the five-year period ended September 2010. The debentures currently pay a variable rate of interest based on changes in the three-month LIBOR plus 1.70%, adjusted quarterly. During 2010, PSB entered into a cash flow hedge to fix the payments of interest (excluding the credit spread) on the debentures for a seven-year period ending September 2017 at a rate of 2.72%. Including the credit spread, the net interest due on the notes until September 2017 will be equal to a fixed rate of 4.42%. Total interest expense on the junior subordinated debentures was $341 in 2013, $342 in 2012, and $341 in 2011. The subordinated debentures may be called by PSB in part or in full on a quarterly basis.

 

PSB has fully and unconditionally guaranteed all the obligations of the Trust. The guarantee covers the quarterly distributions and payments on liquidation or redemption of the trust preferred securities to the extent of the funds held by the Trust. The trust preferred securities qualify as Tier 1 capital for regulatory capital purposes.

 

NOTE 14 Derivative Instruments and Hedging Activities

 

PSB is exposed to certain risks relating to its ongoing business operations. The primary risk managed by using derivative instruments is interest rate risk. Interest rate swaps are entered into to manage interest rate risk associated with PSB's variable rate junior subordinated debentures. Accounting standards require PSB to recognize all derivative instruments as either assets or liabilities at fair value in the balance sheet. PSB designates its interest rate swap associated with the junior subordinated debentures as a cash flow hedge of variable-rate debt. For derivative financial instruments that are designated and qualify as cash flow hedges, the effective portion of the gain or loss on the derivative instrument is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affects earnings. Gains and losses on the derivative instrument representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings.

 

From time to time, PSB will also enter into fixed interest rate swaps with customers in connection with their floating rate loans to PSB. When fixed rate swaps are originated with customers, an identical offsetting swap is also entered into by PSB with a correspondent bank. These swap arrangements are intended to offset each other as “back to back” swaps and allow PSB’s loan customer to obtain fixed rate loan financing via the swap while PSB exchanges these fixed payments with a correspondent bank. In these arrangements, PSB’s net cash flows and interest income are equal to the floating rate loan originated in connection with the swap. These customer swaps are not designated as hedging instruments and are accounted for at fair value with changes in fair value recognized in the income statement during the current period.

 

PSB is exposed to credit-related losses in the event of nonperformance by the counterparties to these agreements. PSB controls the credit risk of its financial contracts through credit approvals, limits, and monitoring procedures, and does not expect any counterparties to fail their obligations. PSB enters into agreements only with primary dealers. These derivative instruments are negotiated over-the-counter (OTC) contracts. Negotiated OTC derivative contracts are generally entered into between two counterparties that negotiate specific agreement terms, including the underlying instrument, amounts, exercise prices, and maturity.

 

As of December 31, PSB had the following outstanding interest rate swap that was entered into to hedge variable-rate debt:

 

   2013  2012
       
Notional amount  $7,500  $7,500
Pay fixed rate  2.72%  2.72%
Receive variable rate  0.24%  0.31%
Maturity  9/15/2017  9/15/2017
Unrealized loss (fair value)  $438  $699

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

This agreement provides for PSB to receive payments at a variable rate determined by the three-month LIBOR in exchange for making payments at a fixed rate. Actual maturities may differ from scheduled maturities due to call options and/or early termination provisions. No interest rate swap agreements were terminated prior to maturity in 2013 or 2012. Risk management results for the year ended December 31, 2013, related to the balance sheet hedging of variable rate debt indicates that the hedge was 100% effective, and no component of the derivative instrument’s gain or loss was excluded from the assessment of hedge effectiveness. At December 31, 2013, the fair value of the interest rate swap of $438 was recorded in other liabilities. Net unrealized gain on the derivative instrument recognized in other comprehensive income during the year ended December 31, 2013, totaled $46, net of tax. The net amount of other comprehensive loss reclassified into interest expense during the year ended December 31, 2013 was $113, net of tax. As of December 31, 2013, approximately $184 of losses reported in other comprehensive income related to the interest rate swap ($111 after tax benefits) are expected to be reclassified into interest expense as a yield adjustment of the hedged borrowings during the 12-month period ending December 31, 2014. The interest rate swap agreement was secured by cash and cash equivalents of $570 and $850 at December 31, 2013 and 2012, respectively.

 

During 2013, PSB reclassified $186 ($113 after tax impacts) of interest rate swap settlements which increased comprehensive income. The increase to comprehensive net income was recognized as a $186 ($113 after tax impacts) increase to interest expense on junior subordinated debentures on the statement of income during the year.

 

As of December 31, 2013 and 2012, PSB had a number of outstanding interest rate swaps with customers and correspondent banks associated with its lending activities that are not designed as hedges.

 

At December 31, the following floating interest rate swaps were outstanding with customers:

 

   2013  2012
       
Notional amount  $14,323  $14,979 
Receive fixed rate (average)  2.00%   1.99% 
Pay variable rate (average)  0.17%   0.21% 
Maturity  3/2015-10/2021   3/2015-10/2021 
Weighted average remaining term  2.9 years   3.9 years 
Unrealized gain fair value  $276  $673 

 

At December 31, the following offsetting fixed interest rate swaps were outstanding with correspondent banks:

 

   2013  2012
       
Notional amount  $14,323  $14,979
Pay fixed rate (average)  2.00%  1.99%
Receive variable rate (average)  0.17%  0.21%
Maturity  3/2015-10/2021  3/2015-10/2021
Weighted average remaining term  2.9 years  3.9 years
Unrealized loss fair value  ($276)  ($673)

 

NOTE 15 Retirement and Deferred Compensation Plans

 

PSB has established a 401(k) profit sharing plan for its employees. PSB matches 100% of employees’ salary deferrals up to the first 1% of pay deferred and 50% of salary deferrals of the next 5% of pay deferrals, for a maximum match of 3.5% of salary. PSB also may declare a discretionary profit sharing contribution. The expense recognized for contributions to the plan for the years ended December 31, 2013, 2012, and 2011 was $446, $509, and $470, respectively.

 

PSB maintains deferred compensation agreements with certain executives and directors. PSB matches 20% of the amount of employees’ salary deferrals up to the first 15% of pay deferred. PSB directors may elect to defer earned directors’ fees into a separate deferred directors’ fees plan. No PSB match is made on deferred directors’ fees. Cumulative deferred balances earn a crediting rate generally equal to 100% of PSB’s return on average equity until retirement or separation from service. The agreements provide for benefits to be paid in a lump sum at retirement or in monthly installments for a period up to 15 years following each participant’s normal retirement date with interest payable at a fixed interest rate ranging from 7% to 8%. PSB is accruing this liability over the participant’s remaining periods of service. The liability outstanding under the agreements was $3,155 and $2,855 at December 31, 2013 and 2012, respectively. The amount charged to operations was $270, $301, and $232 for 2013, 2012, and 2011, respectively.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 16 Self-Funded Health Insurance Plan

 

PSB has established an employee medical benefit plan to self-insure claims up to $65 per year for each individual with no stop-loss per year for participants in the aggregate. PSB and its covered employees contribute to the fund to pay the claims and stop-loss premiums. Medical benefit plan costs are expensed as incurred. The liability recognized for claims incurred but not yet paid was $77 and $84 as of December 31, 2013 and 2012, respectively. Health and dental insurance expense recorded in 2013, 2012, and 2011, was $1,130, $1,078, and $852, respectively.

 

NOTE 17 Income Taxes

 

The components of the provision for income taxes are as follows:

 

   2013  2012  2011
          
Current income tax provision:               
Federal  $1,246   $1,600   $1,915 
State   450    535    606 
                
Total current   1,696    2,135    2,521 
                
Deferred income tax provision (benefit):               
Federal   (132)   330    (60)
State   99    70    (40)
                
Total deferred   (33)   400    (100)
                
Total provision for income taxes  $1,663   $2,535   $2,421 

 

A summary of the source of differences between income taxes at the federal statutory rate and the provision for income taxes for the years ended December 31 follows:

 

   2013  2012  2011
      Percent     Percent     Percent
      of     of     of
      Pretax     Pretax     Pretax
   Amount  Income  Amount  Income  Amount  Income
                   
Tax expense at statutory rate  $2,178    34.0   $2,905    34.0   $2,627    34.0 
Increase (decrease) in taxes resulting from:                              
Tax-exempt interest   (703)   (11.0)   (778)   (9.1)   (480)   (6.2)
Bank-owned life insurance   (137)   (2.1)   (138)   (1.6)   (141)   (1.8)
State income tax   362    5.7    399    4.7    374    4.8 
Merger-related expenses   0    0.0    73    1.0    0    0.0 
Other   (37)   (0.6)   74    1.0    41    0.5 
                               
Provision for income taxes  $1,663    26.0   $2,535    30.0   $2,421    31.3 

 

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Deferred income taxes are provided for the temporary differences between the financial reporting basis and the tax basis of PSB’s assets and liabilities. The major components of the net deferred tax assets are as follows:

 

   2013  2012
       
Deferred tax assets:          
Allowance for loan losses  $2,579   $2,821 
Deferred compensation and directors’ fees   1,308    1,189 
Accrued interest receivable   0    125 
Foreclosed assets   352    228 
Interest rate swaps   171    273 
Other   223    141 
           
Gross deferred tax assets   4,633    4,777 
           
Deferred tax liabilities:          
Premises and equipment   769    864 
Mortgage servicing rights   673    521 
FHLB stock   120    240 
Unrealized gain on securities available for sale   400    1,190 
Deferred net loan origination costs   128    98 
Prepaid expenses   139    181 
           
Gross deferred tax liabilities   2,229    3,094 
           
Net deferred tax asset  $2,404   $1,683 

 

At December 31, 2013, federal tax returns remained open for Internal Revenue Service (IRS) review for tax years after 2009, while state tax returns remain open for review by state taxing authorities for tax years after 2008. There were no federal or state income tax audits being conducted at December 31, 2013.

 

The following table presents income tax effects on items of comprehensive income (loss) for the years ended December 31:

 

   2013  2012  2011
   Pretax  Income Tax  Pretax  Income Tax  Pretax  Income Tax
   Inc.(Exp.)  Exp.(Credit)  Inc.(Exp.)  Exp.(Credit)  Inc.(Exp.)  Exp.(Credit)
                   
Unrealized gain (loss) on securities                              
  available for sale  ($1,574)  ($613)  ($310)  ($119)  $180   $71 
Reclassification adjustment for net                              
  security gain included in net income   (12)   (5)   0    0    (32)   (13)
Amortization of unrealized gain on securities                              
  available for sale transferred to securities                              
  held to maturity included in net income   (420)   (184)   (452)   (178)   (516)   (168)
Unrealized gain (loss) on interest rate swap   75    29    (295)   (116)   (734)   (287)
Reclassification adjustment of interest rate                              
  swap settlements included in earnings   186    73    172    68    183    72 
                               
Totals  ($1,745)  ($700)  ($885)  ($345)  ($919)  ($325)

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 18 Commitments, Contingencies, and Credit Risk

 

Financial Instruments With Off-Balance-Sheet Credit Risk

 

PSB is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheets.

 

PSB’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. PSB uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. These commitments at December 31 are as follows:

 

   2013  2012
       
Commitments to extend credit – Fixed and variable rates  $89,645   $74,121 
Commercial standby letters of credit – Variable rate   4,533    4,951 
Unused home equity lines of credit – Variable rate   24,082    22,999 
Unused credit card commitments – Variable rate   234    3,217 
Credit enhancement under the FHLB of Chicago          
Mortgage Partnership Finance program   949    1,945 
           
Totals  $119,443   $107,233 

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. PSB evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on management’s credit evaluation of the party. Collateral held varies but may include accounts receivable, inventory, property, plant, and equipment, and income-producing commercial properties.

 

Letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Collateral held varies as specified above and is required in instances which PSB deems necessary. The commitments are generally structured to allow for 100% collateralization on all letters of credit.

 

Unfunded commitments under home equity lines of credit are commitments for possible future extensions of credit to existing customers. These lines of credit are secured by residential mortgages not to exceed the collateral property fair market value upon origination and may or may not contain a specific maturity date.

 

Credit card commitments were commitments on credit cards issued by PSB and serviced by Elan Financial Services (a subsidiary of U.S. Bancorp). These commitments were unsecured. During 2013, PSB sold its credit card loan balances to Elan Financial Services at a loss of $31 ($19 after tax benefits) on proceeds of $671. At December 31, 2013, certain card balances for which PSB provides full recourse against losses were still retained. Aggregate exposure on the full recourse balances was $328 at December 31, 2013, including $234 of unused commitments.

 

PSB participates in the FHLB Mortgage Partnership Finance Program (the “Program”) and also originates loans for purchase by FNMA. PSB enters into forward commitments to sell mortgage loans to these various secondary market agency providers under which loans are funded by the agencies and PSB receives an agency fee reported as a component of gain on sale of loans. PSB had approximately $1,507 and $10,123 in firm commitments outstanding to deliver loans to these providers at December 31, 2013 and 2012, respectively, from rate lock commitments made with customers. Until November 2008, loans delivered by PSB to the Program carried a contractually agreed-upon credit enhancement from PSB with the commitment to perform servicing of the loan.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Concentration of Credit Risk

 

PSB grants residential mortgage, commercial, and consumer loans predominantly in Marathon, Oneida, and Vilas counties in Wisconsin. There are no significant concentrations of credit to any one debtor or industry group. Management believes the diversity of the local economy prevents significant losses during economic downturns.

 

Contingencies

 

In the normal course of business, PSB is involved in various legal proceedings. In the opinion of management, any liability resulting from such proceedings would not have a material adverse effect on the consolidated financial statements.

 

NOTE 19 Stock Based Compensation

 

PSB granted shares of restricted stock to certain employees having a market value of $210, $200, and $200, during 2013, 2012, and 2011, respectively. The restricted shares vest to employees based on continued PSB service over a six-year period and are recognized as compensation expense over the vesting period. Cash dividends are paid on unvested shares at the same time and amount as paid to PSB common shareholders. Cash dividends paid on unvested restricted stock shares are charged to retained earnings since significantly all restricted shares are expected to vest to employees. As of December 31, 2013, 32,602 shares of restricted stock remained unvested. Unvested shares are subject to forfeiture upon employee termination.

 

The following table summarizes information regarding unvested restricted stock and shares outstanding during the three years ended December 31, 2013, 2012, and 2011.

 

   Unvested  Weighted Average
   Shares  Grant Value
       
January 1, 2011   19,452   $15.68 
Restricted shares granted   9,130    21.90 
Restricted shares vested   (3,010)   (16.62)
           
December 31, 2011   25,572    17.79 
Restricted shares granted   8,895    22.48 
Restricted shares vested   (4,058)   (16.08)
           
December 31, 2012   30,409    19.39 
Restricted shares granted   8,076    26.00 
Restricted shares vested   (5,883)   (17.85)
           
December 31, 2013   32,602   $21.30 

 

During 2013, total compensation expense of $145 (before tax benefits of $57) was recorded from amortization of restricted shares expected to vest. During 2012, total compensation expense of $105 (before tax benefits of $41) was recorded from amortization of restricted shares expected to vest. During 2011, total compensation expense of $78 (before tax benefits of $31) was recorded from amortization of restricted shares expected to vest. Future projected compensation expense (before tax benefits) assuming all restricted shares eventually vest to employees would be as follows:

 

2014  $146 
2015   137 
2016   122 
2017   82 
2018   42 
      
Total  $529 

 

Under the terms of an incentive stock option plan adopted during 2001, shares of unissued common stock were reserved for options to officers and key employees at prices not less than the fair market value of the shares at the date of the grant. No additional shares of common stock remain reserved for future grants under the option plan approved by the shareholders, and the last outstanding option shares were exercised during 2012. No stock option plan expense was recorded in 2012 or 2011. The following table summarizes information regarding stock option activity during the two years ended December 31, 2012.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

      Weighted
      Average
   Shares  Price
       
January 1, 2011   3,827   $15.23 
Options granted   0    0.00 
Options exercised   (2,952)   15.09 
Option forfeited   (287)   15.08 
           
December 31, 2011   588    16.03 
Options granted   0    0.00 
Options exercised   (588)   16.03 
Option forfeited   0    0.00 
           
December 31, 2012   0   $0.00 

 

NOTE 20 Capital Requirements

 

PSB and the Bank are subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory—and possibly additional discretionary—actions by regulators that, if undertaken, could have a direct material effect on PSB’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, PSB and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

Quantitative measures established by regulation to ensure capital adequacy require PSB and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2013, PSB and the Bank meet all capital adequacy requirements.

 

As of December 31, 2013, the most recent regulatory financial report categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

PSB’s and the Bank’s actual and regulatory capital amounts and ratios are as follows:

 

               To Be Well-
               Capitalized Under
         For Capital  Prompt Corrective
   Actual  Adequacy Purposes  Action Provisions
   Amount  Ratio  Amount  Ratio  Amount  Ratio
                   
As of December 31, 2013:                              
Total capital (to risk weighted assets):                              
Consolidated  $70,048    13.88%   $40,365    8.00%    N/A      N/A   
Peoples State Bank  $72,321    14.35%   $40,312    8.00%   $50,390    10.00% 
                               
Tier I capital (to risk weighted assets):                              
Consolidated  $63,734    12.63%   $20,182    4.00%    N/A      N/A   
Peoples State Bank  $66,015    13.10%   $20,156    4.00%   $30,234    6.00% 
                               
Tier I capital (to average assets):                              
Consolidated  $63,734    9.06%   $28,130    4.00%    N/A      N/A   
Peoples State Bank  $66,015    9.39%   $28,130    4.00%   $35,163    5.00% 
                               
As of December 31, 2012:                              
Total capital (to risk weighted assets):                              
Consolidated  $73,636    14.87%   $39,615    8.00%    N/A      N/A   
Peoples State Bank  $71,032    14.36%   $39,572    8.00%   $49,465    10.00% 
                               
Tier I capital (to risk weighted assets):                              
Consolidated  $60,430    12.20%   $19,813    4.00%    N/A      N/A   
Peoples State Bank  $64,834    13.11%   $19,782    4.00%   $29,672    6.00% 
                               
Tier I capital (to average assets):                              
Consolidated  $60,430    8.76%   $27,594    4.00%    N/A      N/A   
Peoples State Bank  $64,834    9.35%   $27,736    4.00%   $34,671    5.00% 

 

NOTE 21 Earnings Per Share

 

Basic earnings per share of common stock are based on the weighted average number of common shares outstanding during the period. Unvested but issued restricted shares are considered to be outstanding shares and used to calculate the weighted average number of shares outstanding and determine net book value per share. Diluted earnings per share is calculated by dividing net income by the weighted average number of shares adjusted for the dilutive effect of outstanding stock options. On June 19, 2012, PSB declared a 5% stock dividend to shareholders of record July 16, 2012, which was paid in the form of additional common stock on July 30, 2012. All references in the accompanying consolidated financial statements and footnotes to the number of common shares and per share amounts have been restated to reflect the 5% stock dividend for all periods shown. The computation of earnings per share for the years ended December 31 is as follows:

 

   2013  2012  2011
          
Weighted average shares outstanding   1,652,700    1,663,147    1,652,861 
Effect of dilutive stock options outstanding   0    58    858 
                
Diluted weighted average shares outstanding   1,652,700    1,663,205    1,653,719 
                
Basic earnings per share  $2.87   $3.61   $3.21 
                
Diluted earnings per share  $2.87   $3.61   $3.21 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 22 Restrictions on Retained Earnings

 

The Bank is restricted by banking regulations from making dividend distributions above prescribed amounts and is limited in making loans and advances to PSB. At December 31, 2013, management believes that maintaining the regulatory framework of the Bank at the well-capitalized level will effectively restrict potential dividends from the Bank to an amount less than $21,931. Furthermore, any Bank dividend distributions to PSB above customary levels are subject to approval by the FDIC, the Bank’s primary federal regulator, and the Wisconsin Department of Financial Institutions, the Bank’s primary state regulator. Because 2012 Bank dividends paid to PSB exceeded 2012 Bank net income, the Bank may not pay dividends to PSB in excess of net income during 2013 or 2014, without prior approval.

 

NOTE 23 Fair Value Measurements

 

Certain assets and liabilities are recorded or disclosed at fair value to provide financial statement users additional insight into PSB’s quality of earnings. Under current accounting guidance, PSB groups assets and liabilities which are recorded at fair value in three levels based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement (with Level 1 considered highest and Level 3 considered lowest). All transfers between levels are recognized as occurring at the end of the reporting period.

 

Following is a brief description of each level of the fair value hierarchy:

 

Level 1 – Fair value measurement is based on quoted prices for identical assets or liabilities in active markets.

 

Level 2 – Fair value measurement is based on (1) quoted prices for similar assets or liabilities in active markets; (2) quoted prices for identical or similar assets or liabilities in markets that are not active; or (3) valuation models and methodologies for which all significant assumptions are or can be corroborated by observable market data.

 

Level 3 – Fair value measurement is based on valuation models and methodologies that incorporate at least one significant assumption that cannot be corroborated by observable market data. Level 3 measurements reflect PSB’s estimates about assumptions market participants would use in measuring fair value of the asset or liability.

 

Some assets and liabilities, such as securities available for sale, loans held for sale, mortgage rate lock commitments, and interest rate swaps, are measured at fair value on a recurring basis under GAAP. Other assets and liabilities, such as impaired loans, foreclosed assets, and mortgage servicing rights are measured at fair value on a nonrecurring basis.

 

Following is a description of the valuation methodology used for each asset and liability measured at fair value on a recurring or nonrecurring basis, as well as the classification of the asset or liability within the fair value hierarchy.

 

Securities available for sale – Securities available for sale may be classified as Level 1, Level 2, or Level 3 measurements within the fair value hierarchy and are measured on a recurring basis. Level 1 securities include equity securities traded on a national exchange. The fair value measurement of a Level 1 security is based on the quoted price of the security. Level 2 securities include U.S. government and agency securities, obligations of states and political subdivisions, corporate debt securities, and mortgage-related securities. The fair value measurement of a Level 2 security is obtained from an independent pricing service and is based on recent sales of similar securities and other observable market data and represents a market approach to fair value.

 

Nonrated commercial paper is not traded on an active market. However, the original term of each investment is 60 days or less and carries a market rate of interest adjusted for risk. Due to the absence of credit concerns and the short duration, historical cost is assumed to approximate fair value of this investment.

 

At December 31, 2013 and 2012, Level 3 securities include a common stock investment in Bankers’ Bank, Madison, Wisconsin, that is not traded on an active market. Historical cost of the common stock is assumed to approximate fair value of this investment.

 

Loans held for sale – Loans held for sale in the secondary market are carried at the lower of aggregate cost or estimated fair value and are measured on a recurring basis. The fair value measurement of a loan held for sale is based on current secondary market prices for similar loans, which is considered a Level 2 measurement and represents a market approach to fair value.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Impaired loans – Loans are not measured at fair value on a recurring basis. Carrying value of impaired loans that are not collateral dependent are based on the present value of expected future cash flows discounted at the applicable effective interest rate and, thus, are not fair value measurements. However, impaired loans considered to be collateral dependent are measured at fair value on a nonrecurring basis. The fair value measurement of an impaired loan that is collateral dependent is based on the fair value of the underlying collateral. Fair value measurements of underlying collateral that utilize observable market data, such as independent appraisals reflecting recent comparable sales, are considered Level 2 measurements. Other fair value measurements that incorporate internal collateral appraisals or broker price opinions, net of selling costs, or estimated assumptions market participants would use to measure fair value, such as discounted cash flow measurements, are considered Level 3 measurements and represent a market approach to fair value.

 

In the absence of a recent independent appraisal, collateral dependent impaired loans are valued based on a recent broker price opinion generally discounted by 10% plus estimated selling costs. In the absence of a broker price opinion, collateral dependent impaired loans are valued at the lower of last appraisal value or the current real estate tax value discounted by 30%, plus estimated selling costs. Property values are impacted by many macroeconomic factors. In general, a declining economy or rising interest rates would be expected to lower fair value of collateral dependent impaired loans while an improving economy or falling interest rates would be expected to increase fair value of collateral dependent impaired loans.

 

Foreclosed assets – Real estate and other property acquired through, or in lieu of, loan foreclosure are not measured at fair value on a recurring basis. Initially, foreclosed assets are recorded at fair value less estimated costs to sell at the date of foreclosure. Estimated selling costs typically range from 5% to 15% of the property value. Valuations are periodically performed by management, and the real estate or other property is carried at the lower of carrying amount or fair value less estimated costs to sell. Fair value measurements are based on current formal or informal appraisals of property value compared to recent comparable sales of similar property. Independent appraisals reflecting comparable sales are considered Level 2 measurements, while internal assessments of appraised value based on current market activity, including broker price opinions, are considered Level 3 measurements and represent a market approach to fair value. Property values are impacted by many macroeconomic factors. In general, a declining economy or rising interest rates would be expected to lower fair value of foreclosed assets while an improving economy or falling interest rates would be expected to increase fair value of foreclosed assets.

 

Mortgage servicing rights – Mortgage servicing rights are not measured at fair value on a recurring basis. However, mortgage servicing rights that are impaired are measured at fair value on a nonrecurring basis. Serviced loan pools are stratified by year of origination and term of the loan, and a valuation model is used to calculate the present value of expected future cash flows for each stratum. When the carrying value of a stratum exceeds its fair value, the stratum is measured at fair value. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as costs to service, a discount rate, custodial earnings rate, ancillary income, default rates and losses, and prepayment speeds. Although some of these assumptions are based on observable market data, other assumptions are based on unobservable estimates of what market participants would use to measure fair value. As a result, the fair value measurement of mortgage servicing rights is considered a Level 3 measurement and represents an income approach to fair value. When market mortgage rates decline, borrowers may have the opportunity to refinance their existing mortgage loans at lower rates, increasing the risk of prepayment of loans on which PSB maintains mortgage servicing rights. Therefore, declining long-term interest rates would decrease the fair value of mortgage servicing rights. Significant unobservable inputs at December 31, 2013, used to measure fair value included:

 

Direct annual servicing cost per loan $57
Direct annual servicing cost per loan in process of foreclosure $500
Weighted average prepayment speed: CPR 26.17%
Weighted average prepayment speed: PSA 476.53%
Weighted average cash flow discount rate 7.92%
Asset reinvestment rate 4.00%
Short-term cost of funds 0.25%
Escrow inflation adjustment 1.00%
Servicing cost inflation adjustment 1.00%

 

Mortgage rate lock commitments – The fair value of mortgage rate lock commitments is measured on a recurring basis. Fair value is based on current secondary market pricing for delivery of similar loans and the value of OMSR on loans expected to be delivered, which is considered a Level 2 fair value measurement.

 

Interest rate swap agreements – Fair values for interest rate swap agreements are based on the amounts required to settle the contracts based on valuations provided by third-party dealers in the contracts, which is considered a Level 2 fair value measurement, and are measured on a recurring basis.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Information regarding the fair value of assets and liabilities measured at fair value on a recurring basis as of December 31:

 

      Recurring Fair Value Measurements Using
      Quoted Prices      
      in Active  Significant   
   Assets and  Markets for  Other  Significant
   Liabilities  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
             
2013                    
Assets:                    
Securities available for sale:                    
U.S. Treasury and agency debentures  $999   $0   $999   $0 
U.S. agency issued residential MBS and CMO   59,390    0    59,390    0 
Privately issued residential MBS and CMO   105    0    105    0 
Obligations of states and political subdivisions   159    0    159    0 
Nonrated SBA loan fund   950    0    950    0 
Other equity securities   47    0    0    47 
                     
Total securities available for sale   61,650    0    61,603    47 
Loans held for sale   150    0    150    0 
Mortgage rate lock commitment   14    0    14    0 
Interest rate swap agreements   276    0    276    0 
                     
Total assets  $62,090   $0   $62,043   $47 
                     
Liabilities – Interest rate swap agreements  $714   $0   $714   $0 
                     
2012                    
Assets:                    
Securities available for sale:                    
U.S. Treasury and agency debentures  $10,027   $0   $10,027   $0 
U.S. agency issued residential MBS and CMO   59,640    0    59,640    0 
Privately issued residential MBS and CMO   173    0    173    0 
Nonrated commercial paper   5,500    0    5,500    0 
Other equity securities   47    0    0    47 
                     
Total securities available for sale   75,387    0    75,340    47 
Loans held for sale   884    0    884    0 
Mortgage rate lock commitments   91    0    91    0 
Interest rate swap agreements   673    0    673    0 
                     
Total assets  $77,035   $0   $76,988   $47 
                     
Liabilities – Interest rate swap agreements  $1,372   $0   $1,372   $0 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

The reconciliation of fair value measurements using significant unobservable inputs during the years ended December 31 is as follows:

 

Balance at January 1, 2012:  $47 
Total realized/unrealized gains (losses):     
Included in earnings   0 
Included in other comprehensive income   0 
Purchases, maturities, and sales   0 
      
Balance at December 31, 2012  $47 
      
Total gains (losses) for the period included in earnings attributable to the change     
in unrealized gains or losses relating to assets still held at December 31, 2012  $0 
      
Balance at January 1, 2013:  $47 
Total realized/unrealized gains (losses):     
Included in earnings   0 
Included in other comprehensive income   0 
Purchases, maturities, and sales   0 
      
Balance at December 31, 2013  $47 
      
Total gains (losses) for the period included in earnings attributable to the change     
in unrealized gains or losses relating to assets still held at December 31, 2013  $0 

 

Information regarding the fair value of assets and liabilities measured at fair value on a nonrecurring basis as of December 31 follows:

 

      Nonrecurring Fair Value Measurements Using
      Quoted Prices      
      in Active  Significant   
      Markets for  Other  Significant
   Assets  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
             
2013                    
Assets:                    
Impaired loans  $1,720   $0   $0   $1,720 
Foreclosed assets   1,750    0    792    958 
Mortgage servicing rights   1,696    0    0    1,696 
                     
Total assets  $5,166   $0   $792   $4,374 
                     
2012                    
Assets:                    
Impaired loans  $2,973   $0   $328   $2,645 
Foreclosed assets   1,774    0    752    1,022 
Mortgage servicing rights   1,233    0    0    1,233 
                     
Total assets  $5,980   $0   $1,080   $4,900 
                     

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

At December 31, 2013, loans with a carrying amount of $2,119 were considered impaired and were written down to their estimated fair value of $1,720, net of a valuation allowance of $399. At December 31, 2012, loans with a carrying amount of $3,955 were considered impaired and were written down to their estimated fair value of $2,973 net of a valuation allowance of $982. Changes in the valuation allowances are reflected through earnings as a component of the provision for loan losses or as a charge-off against the allowance for loan losses.

 

In 2013, foreclosed assets with a fair value of $1,342 were acquired through or in lieu of foreclosure, which is the fair value net of estimated costs to sell. During 2013, foreclosed assets with a carrying amount of $2,156 were written down to a fair value of $1,750, less costs to sell. As a result, an impairment charge of $406 was included in earnings for the year ended December 31, 2013. In 2012, foreclosed assets with a fair value of $1,295 were acquired through or in lieu of foreclosure, which is the fair value net of estimated costs to sell. During 2012, foreclosed assets with a carrying amount of $2,259 were written down to a fair value of $1,774, less costs to sell. As a result, an impairment charge of $485 was included in earnings for the year ended December 31, 2012.

 

At December 31, 2013, mortgage servicing rights with a carrying amount of $1,717 were considered impaired and were written down to their estimated fair value of $1,696, resulting in an impairment allowance of $21. At December 31, 2012, mortgage servicing rights with a carrying amount of $1,513 were considered impaired and were written down to their estimated fair value of $1,233, resulting in an impairment allowance of $280. Changes in the impairment allowances are reflected through earnings as a component of mortgage banking income.

 

PSB estimates fair value of all financial instruments regardless of whether such instruments are measured at fair value. The following methods and assumptions were used by PSB to estimate fair value of financial instruments not previously discussed.

 

Cash and cash equivalents – Fair value reflects the carrying value of cash, which is a Level 1 measurement.

 

Securities held to maturity – Fair value of securities held to maturity is based on dealer quotations on similar securities near period-end, which is considered a Level 2 measurement. Certain debt issued by banks or bank holding companies purchased by PSB as securities held to maturity is valued on a cash flow basis discounted using market rates reflecting credit risk of the borrower, which is considered a Level 3 measurement.

 

Bank certificates of deposit – Fair value of fixed rate certificates of deposit included in other investments is estimated by discounting future cash flows using current rates at which similar certificates could be purchased, which is a Level 3 measurement.

 

Loans – Fair value of variable rate loans that reprice frequently are based on carrying values. Loans with an active sale market, such as one- to four-family residential mortgage loans, estimate fair value based on sales of loans with similar structure and credit quality. Fair value of other loans is estimated by discounting future cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings. Fair value of impaired and other nonperforming loans is estimated using discounted expected future cash flows or the fair value of underlying collateral, if applicable. Except for collateral dependent impaired loans valued using an independent appraisal of collateral value, reflecting a Level 2 fair value measurement, fair value of loans is considered to be a Level 3 measurement due to internally developed discounted cash flow measurements.

 

Federal Home Loan Bank stock – Fair value is the redeemable (carrying) value based on the redemption provisions of the Federal Home Loan Bank, which is considered a Level 3 fair value measurement.

 

Accrued interest receivable and payable – Fair value approximates the carrying value, which is considered a Level 3 fair value measurement.

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Cash value of life insurance – Fair value is based on reported values of the assets by the issuer which are redeemable to the insured, which is considered a Level 2 fair value measurement.

 

Deposits – Fair value of deposits with no stated maturity, such as demand deposits, savings, and money market accounts, by definition, is the amount payable on demand on the reporting date. Fair value of fixed rate time deposits is estimated using discounted cash flows applying interest rates currently offered on issue of similar time deposits. Use of internal discounted cash flows provides a Level 3 fair value measurement.

 

FHLB advances and other borrowings – Fair value of fixed rate, fixed term borrowings is estimated by discounting future cash flows using the current rates at which similar borrowings would be made as calculated by the lender or correspondent. Fair value of borrowings with variable rates or maturing within 90 days approximates the carrying value of these borrowings. Fair values based on lender provided settlement provisions are considered a Level 2 fair value measurement. Other borrowings with local customers in the form of repurchase agreements are estimated using internal assessments of discounted future cash flows, which is a Level 3 measurement.

 

Senior subordinated notes and junior subordinated debentures – Fair value of fixed rate, fixed term notes and debentures are estimated internally by discounting future cash flows using the current rates at which similar borrowings would be made, which is a Level 3 fair value measurement.

 

The carrying amounts and fair values of PSB’s financial instruments consisted of the following:

 

   December 31, 2013
   Carrying  Estimated  Fair Value Hierarchy Level
   Amount  Fair Value  Level 1  Level 2  Level 3
                
                
Financial assets:                         
                          
Cash and cash equivalents  $31,522   $31,522   $31,522   $0   $0 
Securities   133,279    133,322    0    131,479    1,843 
Bank certificates of deposit   2,236    2,280    0    0    2,280 
Net loans receivable and loans held for sale   510,030    514,309    0    150    514,159 
Accrued interest receivable   2,076    2,076    0    0    2,076 
Mortgage servicing rights   1,696    1,696    0    0    1,696 
Mortgage rate lock commitments   14    14    0    14    0 
FHLB stock   2,556    2,556    0    0    2,556 
Cash surrender value of life insurance   12,826    12,826    0    12,826    0 
Interest rate swap agreements   276    276    0    276    0 
                          
Financial liabilities:                         
                          
Deposits  $577,514   $578,387   $0   $0   $578,387 
FHLB advances   38,049    38,511    0    38,511    0 
Other borrowings   20,441    21,251    0    14,364    6,887 
Senior subordinated notes   4,000    3,489    0    0    3,489 
Junior subordinated debentures   7,732    7,085    0    0    7,085 
Interest rate swap agreements   714    714    0    714    0 
Accrued interest payable   477    477    0    0    477 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

   December 31, 2012
   Carrying  Estimated  Fair Value Hierarchy Level
   Amount  Fair Value  Level 1  Level 2  Level 3
                
                
Financial assets:                         
                          
Cash and cash equivalents  $48,847   $48,847   $48,847   $0   $0 
Securities   145,209    147,751    0    145,795    1,956 
Bank certificates of deposit   4,465    4,538    0    0    4,538 
Net loans receivable and loans held for sale   478,875    484,925    0    1,212    483,713 
Accrued interest receivable   2,157    2,157    0    0    2,157 
Mortgage servicing rights   1,233    1,233    0    0    1,233 
Mortgage rate lock commitments   91    91    0    91    0 
FHLB stock   2,506    2,506    0    0    2,506 
Cash surrender value of life insurance   11,813    11,813    0    11,813    0 
Interest rate swap agreements   673    673    0    673    0 
                          
Financial liabilities:                         
                          
Deposits  $565,442   $568,014   $0   $0   $568,014 
FHLB advances   50,124    51,590    0    51,590    0 
Other borrowings   20,728    22,118    0    14,890    7,228 
Senior subordinated notes   7,000    7,000    0    0    7,000 
Junior subordinated debentures   7,732    4,911    0    0    4,911 
Interest rate swap agreements   1,372    1,372    0    1,372    0 
Accrued interest payable   697    697    0    0    697 

 

 

NOTE 24 Condensed Parent Company Only Financial Statements

 

The following are condensed balance sheets as of December 31, 2013 and 2012, and condensed statements of income and cash flows for the years ended December 31, 2013, 2012, and 2011, for PSB Holdings, Inc.

 

Balance Sheets

December 31, 2013 and 2012

 

Assets  2013  2012
       
Cash and due from banks  $3,502   $2,325 
Investment in Peoples State Bank   66,801    66,777 
Other assets   840    952 
           
TOTAL ASSETS  $71,143   $70,054 
           
Liabilities and Stockholders’ Equity          
           
Accrued dividends payable  $644   $0 
Other borrowings   1,500    0 
Senior subordinated notes   4,000    7,000 
Junior subordinated debentures   7,732    7,732 
Other liabilities   514    875 
Total stockholders’ equity   56,753    54,447 
           
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY  $71,143   $70,054 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Statements of Income

Years Ended December 31, 2013, 2012, and 2011

 

   2013  2012  2011
          
Income:               
Dividends from Peoples State Bank  $4,000   $7,700   $2,875 
Dividends from other investments   6    5    6 
Interest   5    10    6 
                
Total income   4,011    7,715    2,887 
                
Expenses:               
Interest on other borrowings   54    0    0 
Interest expense on senior subordinated notes   184    578    567 
Interest expense on junior subordinated debentures   341    342    341 
Transfer agent and shareholder communication   47    68    38 
Other   136    348    95 
                
Total expenses   762    1,336    1,041 
                
Income before income taxes and equity in undistributed net income of Peoples State Bank   3,249    6,379    1,846 
Recognition of income tax benefit   293    431    402 
                
Net income before equity in undistributed net income of Peoples State Bank   3,542    6,810    2,248 
Equity in undistributed net income of Peoples State Bank   1,202    (801)   3,057 
                
Net income  $4,744   $6,009   $5,305 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

Statements of Cash Flows

Years Ended December 31, 2013, 2012, and 2011

 

   2013  2012  2011
          
Increase (decrease) in cash and due from banks:               
Cash flows from operating activities:               
Net income  $4,744   $6,009   $5,305 
Adjustments to reconcile net income to net cash provided by operating activities:               
Equity in undistributed net income of Peoples State Bank   (1,202)   801    (3,057)
(Increase) decrease in other assets   147    (21)   5 
Increase (decrease) in other liabilities   (79)   (2)   28 
Increase (decrease) in dividends payable   644    (583)   20 
                
Net cash provided by operating activities   4,254    6,204    2,301 
                
Cash flows from investing activities:               
Purchase Marathon State Bank common stock   (19)   (5,482)   0 
Investment in Peoples State Bank   0    (5)   0 
                
Net cash used in investing activities   (19)   (5,487)   0 
                
Cash flows from financing activities:               
Repayment of senior subordinated notes   (3,000)   0    0 
Proceeds from other borrowings   2,000    0    0 
Repayment of other borrowings   (500)   0    0 
Proceeds from exercise of stock options   0    9    45 
Dividends declared   (1,289)   (1,247)   (1,168)
Purchase of treasury stock   (269)   (262)   0 
                
Net cash used in financing activities   (3,058)   (1,500)   (1,123)
                
Net increase (decrease) in cash and due from banks   1,177    (783)   1,178 
Cash and due from banks at beginning   2,325    3,108    1,930 
                
Cash and due from banks at end  $3,502   $2,325   $3,108 

 

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Notes to Consolidated Financial Statements (dollars in thousands except per share data)

NOTE 25 Summary of Quarterly Results (Unaudited)

 

   Three Months Ended
   March 31  June 30  September 30  December 31
             
2013                    
                     
Interest income  $6,624   $6,692   $6,772   $6,728 
Interest expense   1,423    1,375    1,350    1,363 
Net interest income   5,201    5,317    5,422    5,365 
Provision for loan losses   323    352    3,340    0 
Noninterest income   1,415    1,523    1,411    1,274 
Net income   1,609    1,561    13    1,561 
Basic earnings per share*   0.97    0.95    0.01    0.95 
Diluted earnings per share*   0.97    0.95    0.01    0.95 
                     
2012                    
                     
Interest income  $6,695   $6,679   $6,933   $6,937 
Interest expense   1,879    1,799    1,770    1,643 
Net interest income   4,816    4,880    5,163    5,294 
Provision for loan losses   160    165    0    460 
Noninterest income   1,242    2,323    1,444    1,559 
Net income   1,180    1,918    1,226    1,685 
Basic earnings per share*   0.70    1.15    0.74    1.01 
Diluted earnings per share*   0.70    1.15    0.74    1.01 
                     
2011                    
                     
Interest income  $7,043   $7,113   $7,095   $7,063 
Interest expense   2,279    2,247    2,228    2,003 
Net interest income   4,764    4,866    4,867    5,060 
Provision for loan losses   360    430    360    240 
Noninterest income   1,397    1,197    1,367    1,376 
Net income   1,285    1,226    1,394    1,400 
Basic earnings per share*   0.78    0.74    0.85    0.85 
Diluted earnings per share*   0.78    0.74    0.84    0.85 

 

* Basic and diluted earnings per share may not foot to the total for the year ended December 31 due to rounding.

 

126

Item 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE.

 

Not applicable.

 

 

Item 9A. CONTROLS AND PROCEDURES.

 

Evaluation of Disclosure Controls and Procedures

 

As required by SEC rules, PSB’s management evaluated the effectiveness, as of December 31, 2013, of PSB’s disclosure controls and procedures. PSB’s Chief Executive Officer and Chief Financial Officer participated in the evaluation. Based on this evaluation, the PSB’s Chief Executive Officer and Chief Financial Officer concluded that PSB’s disclosure controls and procedures were effective as of December 31, 2013.

 

Management’s Report on Internal Control Over Financial Reporting

 

Management is responsible for establishing and maintaining adequate internal control over financial reporting. As such term is defined in Rule 13a-15(f) of the Securities Exchange Act of 1934, internal control over financial reporting is a process designed by, or under the supervision of, the principal executive and principal financial officers, or persons performing similar functions, and effected by the board of directors, management and other personnel, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with accounting principles generally accepted in the United States. Internal control over financial reporting includes those policies and procedures that:

 

·pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the

transactions and dispositions of assets of PSB;

 

·provide reasonable assurance that transactions are recorded as necessary to permit preparation

of the financial statements in accordance with accounting principles generally accepted in the

United States, and that receipts and expenditures of PSB are being made only in accordance with authorizations of management and the directors of PSB; and

 

·provide reasonable assurance regarding prevention of unauthorized acquisition, use, or disposition of PSB’s assets that could have a material effect on the financial statements.

 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies of procedures may deteriorate. This annual report does not include an attestation report of PSB’s registered public accounting firm regarding internal control over financial reporting. Management’s report was not subject to attestation by PSB’s registered public accounting firm pursuant to temporary rules of the Securities and Exchange Commission that permit the company to provide only management’s report in this annual report. Management’s report in internal control over financial reporting should be read with these limitations in mind.

 

Management conducted an evaluation of the effectiveness of the PSB’s internal control over financial reporting based on the criteria in Internal Control—Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). Based on this evaluation under the criteria in Internal Control — Integrated Framework , management concluded that internal control over financial reporting was effective as of December 31, 2013.

 

Changes in Internal Controls

 

No change occurred during the fourth fiscal quarter that has materially affected, or is reasonably likely to materially affect, PSB’s internal control over financial reporting.

 

 

Item 9B. OTHER INFORMATION.

 

Not applicable.

 

127

PART III

 

 

Item 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT.

 

Information relating to directors of PSB is incorporated into this Annual Report on Form 10-K by this reference to the disclosure in PSB’s proxy statement dated March 17, 2014, relating to the 2014 annual meeting of stockholders (the “2014 Proxy Statement”) under the subcaption “Proposal No. 1 - Election of Directors – Election of Directors.”

 

PSB’s executive officers include Peter W. Knitt, age 55, President and Chief Executive Officer of PSB and Peoples State Bank, and Scott M. Cattanach, age 45, Treasurer and Secretary of PSB, and Senior Vice President and Chief Financial Officer of Peoples State Bank.

 

Information required under Rule 405 of Regulation S-K is incorporated into this Annual Report on Form 10-K by this reference to the disclosure in the 2013 Proxy Statement under the subcaption “Beneficial Ownership of Common Stock – Section 16(a) Beneficial Ownership Reporting Compliance.”

 

Code of Ethics

 

PSB has adopted a Code of Ethics Policy for all directors, officers, and employees and a Code of Compliance and Reporting Requirements for Senior Management and Senior Financial Officers which covers PSB’s Chief Executive Officer, Treasurer (the chief financial and accounting officer), each Vice President, and the Secretary. The Code of Compliance and Reporting Requirements for Senior Management and Senior Financial Officers has been posted on PSB’s website at www.psbholdingsinc.com. In the event PSB amends or waives any provision of the Code of Compliance and Reporting Requirements for Senior Management and Senior Financial Officers, PSB intends to disclose such amendment or waiver at the website address where the code may also be found.

 

Audit Committee

 

The Board of Directors has appointed an Audit Committee in accordance with Section 3(a)(58)(A) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Mr. Kraft (Chairman), Mr. Reif, Mr. Fish, and Mr. Polzer serve on the Audit Committee (PSB is not a “listed issuer” as defined in SEC Rule 10A-3).

 

Financial Expert

 

The SEC has adopted rules that require PSB to disclose whether one of the members of the Audit Committee qualifies under SEC rules as an “audit committee financial expert.”  Based on its review of the SEC rules, the Board has concluded that Kevin J. Kraft is an “audit committee financial expert,” as that term is defined in Item 401(h) of Regulation S-K under the Securities Exchange Act of 1934.  In making this determination, the Board considered Mr. Kraft’s educational background and his business experience, which is described in PSB’s 2014 Proxy Statement under the subcaption “Proposal No. 1 – Election of Directors – Election of Directors.”  The Board has also determined, as disclosed in our 2014 Proxy Statement, that Mr. Kraft satisfies the criteria for director independence under the listing standards applicable to companies listed on The Nasdaq National Market. 

 

 

Item 11. EXECUTIVE COMPENSATION.

 

Information relating to director compensation is incorporated into this Annual Report on Form 10-K by this reference to the disclosure in the 2014 Proxy Statement under the subcaption “Proposal No. 1 - Election of Directors – Director Compensation for 2013.”

 

Information relating to the compensation of executive officers is incorporated into this Annual Report on Form 10-K by this reference to the disclosure in the 2014 Proxy Statement under the caption “Executive Officer Compensation.”

 

 

Item 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS.

 

Information relating to security ownership of certain beneficial owners and management is incorporated into this Annual Report on Form 10-K by this reference to the disclosure in the 2014 Proxy Statement beginning under the caption “Beneficial Ownership of Common Stock.”

 

128
Item 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS.

 

Information relating to certain relationships and related transactions with directors and officers, and the independence of our directors is incorporated into this Annual Report on Form 10-K by this reference to the disclosure in the 2014 Proxy Statement under the subcaption “Corporate Governance – The Board – Certain Relationships and Related Transactions” and “Corporate Governance – The Board – Director Independence” and “Proposal No. 1 - Election of Directors – Director Compensation for 2013.”

 

 

Item 14. PRINCIPAL ACCOUNTING FEES AND SERVICES.

 

Information relating to the fees and services of PSB’s principal accountant is incorporated into this Annual Report on Form 10-K by this reference to the disclosure in the 2014 Proxy Statement under the subcaptions “Audit Committee Report and Related Matters – Independent Auditor and Fees,” and “Audit Committee Report and Related Matters – Audit Committee Pre-Approval Policies.”

129

PART IV

 

 

Item 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES.

 

(a) Documents filed as part of this report.

 

(1)The following consolidated financial statements of PSB and the Independent Auditors’ Report thereon are filed as part of this report:

 

(i)Consolidated Balance Sheets as of December 31, 2013 and 2012
(ii)Consolidated Statements of Income for the years ended December 31, 2013, 2012, and 2011
(iii)Consolidated States of Comprehensive Income for the years ended December 31, 2013, 2012, and 2011
(iv)Consolidated Statements of Changes in Stockholders’ Equity for the years ended December 31, 2013, 2012, and 2011
(v)Consolidated Statements of Cash Flows for the years ended December 31, 2013, 2012, and 2011
(vi)Notes to Consolidated Financial Statements

 

(2) No financial statement schedules are required by Item 15(b).

 

(3)The following exhibits required by Item 601 of Regulation S-K are filed as part of this report.

 

  Exhibit  
  Number Description
     
  3.1 Second Amended and Restated Articles of Incorporation (incorporated by reference to Exhibit 3.1 to Current Report on Form 8-K dated December 12, 2008)
     
  3.2 Articles of Amendment dated as of August 8, 2013, to Second Amended and Restated Articles of Incorporation of PSB Holdings, Inc. (incorporated by reference to Exhibit 3.1 to Current Report on Form 8-K dated August 8, 2013)
     
  3.3 Bylaws, as amended on February 21, 2006 (incorporated by reference to Exhibit 3.1 to Current Report on Form 8-K dated February 21, 2006)
     
  4.1 Indenture dated June 28, 2005 between PSB Holdings, Inc. as issuer, and Wilmington Trust Company, as trustee, including Form of Fixed/Floating Rate Junior Subordinated Deferrable Interest Debenture as Exhibit A thereto (incorporated by reference to Exhibit 1.1 to Current Report on Form 8-K dated June 28, 2005)
     
  4.2 Guarantee Agreement dated June 28, 2005 between PSB Holdings, Inc., as guarantor, and Wilmington Trust Company, as guarantee trustee (incorporated by reference to Exhibit 1.2 to Current Report on Form 8-K dated June 28, 2005)
     
  4.3 Amended and Restated Declaration of Trust dated June 28, 2005 among PSB Holdings, Inc., as sponsor, Wilmington Trust Company, as Institutional and Delaware Trustees, and the Administrators named therein, including the terms of trust preferred securities (incorporated by reference to Exhibit 1.3 to Current Report on Form 8-K dated June 28, 2005)
     
  10.1 Bonus Plan of Directors of Peoples State Bank (incorporated by reference to Exhibit 10.1 to Annual Report on Form 10-K for the fiscal year ended December 31, 2002)*
     
  10.2 Non-Qualified Retirement Plan for Directors of Peoples State Bank (incorporated by reference to Exhibit 10.2 to Annual Report on Form 10-K for the fiscal year ended December 31, 2001)*
     
  10.3 2001 Stock Option Plan as amended March 15, 2005 (incorporated by reference to Exhibit 10.3 to Quarterly Report on Form 10-Q for the period ended March 31, 2005)*
     
  10.4 Peoples State Bank Focus Rewards Plan for Executive Officers (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K dated January 19, 2010)*
     
  10.5 Restricted Stock Plan (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K dated November 27, 2007)*
     
  10.6 Amendment to Restricted Stock Plan dated June 17, 2008 (incorporated by reference to Exhibit 10.4 to Current Report on Form 8-K dated June 17, 2008)*

 

130

     
  10.7 Amended and Restated Employment Agreement dated June 17, 2008, between Peoples State Bank and Scott M. Cattanach (incorporated by reference to Exhibit 10.3 to Current Report on Form 8-K dated June 17, 2008)*
     
  10.8 Amendment to Amended and Restated Employment Agreement between Peoples State Bank and Scott M. Cattanach (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K dated December 18, 2009)*
     
  10.9 Directors Deferred Compensation Plan as amended October 17, 2007 (incorporated by reference to Exhibit 10.1 to Quarterly Report on Form 10-Q for the period ended September 30, 2007)*
     
  10.10 Executive Deferred Compensation Plan (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K dated November 27, 2007)*
     
  10.11 Notification of Change to Executive Deferred Compensation Agreement dated December 31, 2013 (Peter W. Knitt) (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K dated December 17, 2013)*
     
  10.12 2005 Directors Deferred Compensation Plan as amended and restated effective January 1, 2014 (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K dated December 17, 2013)*
     
  10.13 Peoples State Bank Survivor Income Benefit Plan (incorporated by reference to Exhibit 10.11 to Annual Report on Form 10-K for the fiscal year ended December 31, 2004)*
     
  10.14 Executive Officer Post Retirement Benefit Plan (incorporated by reference to Exhibit 10.4 to Quarterly Report on Form 10-Q for the period ended March 31, 2005)*
     
  10.15 Amended and Restated Employment Agreement dated June 17, 2008, between Peoples State Bank and Peter W. Knitt (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K dated June 17, 2008)*
     
  10.16 Amendment to Amended and Restated Employment Agreement between Peoples State Bank and Peter W. Knitt (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K dated December 18, 2009)*
     
  10.17 Executive Deferred Compensation Agreement with Peter W. Knitt dated December 31, 2007 (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K dated November 27, 2007)*
     
  10.18 Amendment to Executive Deferred Compensation Agreement dated June 17, 2008 between Peoples State Bank and Peter W. Knitt (incorporated by reference to Exhibit 10.2 to Current Report on Form 8-K dated June 17, 2008)*
     
  10.19 Peoples State Bank Board of Directors’ Focus Rewards Plan (incorporated by reference to Exhibit 10.1 to Current Report on Form 8-K dated March 19, 2013)*
     
  21.1 Subsidiaries of PSB (incorporated by reference to Exhibit 21.1 to Annual Report on Form 10-K for the fiscal year ended December 31, 2000)
     
  23.1 Consent of Wipfli LLP
     
  31.1 Certification of CEO pursuant to Section 302 of Sarbanes-Oxley Act of 2002
     
  31.2 Certification of CFO pursuant to Section 302 of Sarbanes-Oxley Act of 2002
     
  32.1 Certifications of CEO and CFO under Section 906 of Sarbanes-Oxley Act of 2002
     

*Denotes Executive Compensation Plans and Arrangements.

 

(b) Exhibits.

 

See Item 15(a)(3).

 

(c) Financial Schedules.

 

Not applicable.

131

SIGNATURES

 

Pursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, PSB Holdings, Inc. has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

 

  PSB Holdings, Inc.
     
March 17, 2014 By: PETER W. KNITT
    Peter W. Knitt, President
    and Chief Executive Officer

 

 

Pursuant to the requirement of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on this 17th day of March, 2014.

 

 

Signature and Title   Signature and Title
     
     
PETER W. KNITT   SCOTT M. CATTANACH
Peter W. Knitt, President   Scott M. Cattanach, Vice President, Treasurer and CFO
Chief Executive Officer and a Director   (Principal Financial Officer and Accounting
    Officer)
     
DIRECTORS:    
     
WILLIAM J. FISH   CHARLES A. GHIDORZI
William J. Fish   Charles A. Ghidorzi
     
LEE A. GUENTHER   KARLA M. KIEFFER
Lee A. Guenther   Karla M. Kieffer
     
DAVID K. KOPPERUD   KEVIN J. KRAFT
David K. Kopperud   Kevin J. Kraft
     
THOMAS R. POLZER   WILLIAM M. REIF
Thomas R. Polzer   William M. Reif
     
TIMOTHY J. SONNENTAG    
Timothy J. Sonnentag    

 

132

 

EXHIBIT INDEX

to

FORM 10-K

of

PSB HOLDINGS, INC.

for the fiscal year ended December 31, 2013

Pursuant to Section 102(d) of Regulation S-T

(17 C.F.R. §232.102(d))

 

The following exhibits are filed as part of this report:

 

23.1Consent of Wipfli LLP

 

31.1Certification of CEO pursuant to Section 302 of Sarbanes-Oxley Act of 2002

 

31.2Certification of CFO pursuant to Section 302 of Sarbanes-Oxley Act of 2002

 

32.1Certifications under Section 906 of Sarbanes-Oxley Act of 2002

 

 

133
 

 

 EX-23.1 2 ex23-1.htm EX-23.1

Exhibit 23.1

 

 

 

 

Consent of Independent Registered Public Accounting Firm

 

 

We consent to the incorporation by reference in the Registration Statement (No. 333-109878) on Form S-8 of PSB Holdings, Inc. of our report dated March 17, 2014, relating to the consolidated balance sheets of PSB Holdings, Inc. and Subsidiary as of December 31, 2013 and 2012, and the related consolidated statements of income, comprehensive income, stockholders’ equity, and cash flows for the three years in the period ended December 31, 2013, which appears in the December 31, 2013, Annual Report on Form 10-K of PSB Holdings, Inc.

 

 

 

Wipfli LLP

 

WIPFLI LLP

 

Wausau, Wisconsin

March 17, 2014

 

 
 

 EX-31.1 3 ex31-1.htm EX-31.1

Exhibit 31.1

 

 

Certification Under Section 302

of Sarbanes-Oxley Act of 2002

 

I, Peter W. Knitt, certify that:

 

            1.            I have reviewed this Annual Report on Form 10-K of PSB Holdings, Inc. (the “registrant”);

 

            2.            Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

            3.            Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

            4.            The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we have:

 

            (a)            designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

            (b)            designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

            (c)            evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

            (d)            disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s fourth fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

            5.            The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

 

            (a)            all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

            (b)            any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:  March 17, 2014 PETER W. KNITT
  Peter W. Knitt
  President and Chief Executive Officer

 
 

 EX-31.2 4 ex31-2.htm EX-31.2

Exhibit 31.2

 

 

Certification Under Section 302

of Sarbanes-Oxley Act of 2002

 

I, Scott M. Cattanach, certify that:

 

            1.            I have reviewed this Annual Report on Form 10-K of PSB Holdings, Inc. (the “registrant”);

 

            2.            Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

            3.            Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

            4.            The registrant’s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we have:

 

            (a)            designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

            (b)            designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

            (c)            evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

            (d)            disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s fourth fiscal quarter that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

            5.            The registrant’s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors (or persons performing the equivalent functions):

 

            (a)            all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

            (b)            any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date:  March 17, 2014 SCOTT M. CATTANACH
  Scott M. Cattanach
  Treasurer (Principal Financial Officer)

 
 

 EX-32.1 5 ex32-1.htm EX-32.1

 

Exhibit 32.1

 

 

Certification

of

PSB Holdings, Inc.

under Section 906 of Sarbanes-Oxley Act of 2002

 

 

The undersigned Chief Executive Officer and Chief Financial Officer of PSB Holdings, Inc. (the “Company”) certify pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350, that (1) the Annual Report on Form 10-K of the Company for the fiscal year ended December 31, 2013 (the “Report”) fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, 15 U.S.C. 78m or 78o(d), and (2) the information contained in the Report fairly presents, in all material respects, the financial condition and results of operation of the Company.

 

Date: March 17, 2014

 

PETER W. KNITT
Peter W. Knitt
President and CEO
 
 
SCOTT M. CATTANACH
Scott M. Cattanach
Treasurer
(Chief Financial Officer)

 

 

This certification accompanies this Annual Report on Form 10-K for the year ended December 31, 2013, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 and shall not be deemed filed by PSB Holdings, Inc. for purposes of the Securities Exchange Act of 1934.

 

 

 
 

 

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of loans held for sale Gain on sale of loans Provision for (recapture of) mortgage servicing right valuation allowance Net (gain) loss on sale of premises and equipment Realized gain on sale of securities available for sale Net loss on sale and provision for write-down of foreclosed assets Increase in cash surrender value of life insurance Gain on bargain purchase Changes in operating assets and liabilities: Accrued interest receivable Other assets Accrued expenses and other liabilities Net cash provided by operating activities Cash flows from investing activities: Proceeds from maturities of securities available for sale Proceeds from sale of securities available for sale Proceeds from maturities of securities held to maturity Payment for purchase of securities available for sale Payment for purchase of securities held to maturity Cash acquired on purchase of Marathon State Bank Net redemption (net purchase) of bank certificates of deposit Net redemption (purchase) of FHLB stock Net increase in loans Capital expenditures Proceeds from sale of premises and equipment Proceeds from sale of foreclosed assets Purchase of bank-owned life insurance Net cash provided by (used in) investing activities Cash flows from financing activities: Net increase (decrease) in non-interest-bearing deposits Net decrease in interest-bearing deposits Net decrease in Federal Home Loan Bank advances Net increase (decrease) in other borrowings Repayment of senior subordinated notes Dividends declared Proceeds from exercise of stock options Purchase of treasury stock Net cash used in financing activities Net increase (decrease) in cash and cash equivalents Cash and cash equivalents at beginning Cash and cash equivalents at end Supplemental cash flow information: Cash paid during the period for: Interest Income taxes Noncash investing and financing activities: Loans charged off Loans transferred to foreclosed assets Loans originated on sale of foreclosed assets Grants of unvested restricted stock at fair value Vesting of restricted stock grants Amortization of unrealized gain on securities held to maturity transferred from securities available for sale Summary Of Significant Accounting Policies Summary of Significant Accounting Policies Merger And Acquisition Activity Merger and Acquisition Activity Cash and Cash Equivalents [Abstract] Cash And Cash Equivalents Securities Securities Loans Loans Repossessed Assets [Abstract] Foreclosed Assets Mortgage Servicing Rights Mortgage Servicing Rights Premises And Equipment Premises and Equipment Deposits [Abstract] Deposits Federal Home Loan Bank Advances Federal Home Loan Bank Advances Other Borrowings Other Borrowings Senior Subordinated Notes Senior Subordinated Notes Junior Subordinated Debentures Junior Subordinated Debentures Derivative Instruments And Hedging Activities Derivative Instruments and Hedging Activities Retirement And Deferred Compensation Plans Retirement and Deferred Compensation Plans Self-Funded Health Insurance Plan Self-Funded Health Insurance Plan Income Taxes Income Taxes Commitments Contingencies And Credit Risk Commitments, Contingencies, and Credit Risk Stock Based Compensation Stock Based Compensation Capital Requirements Capital Requirements Earnings Per Share [Abstract] Earnings Per Share Restrictions On Retained Earnings Restrictions on Retained Earnings Fair Value Measurements Fair Value Measurements Condensed Financial Information of Parent Company Only Disclosure [Abstract] Condensed Parent Company Only Financial Statements Summary Of Quarterly Results Summary of Quarterly Results (Unaudited) Summary Of Significant Accounting Policies Policies Principles of Consolidation Use of Estimates in Preparation of Financial Statements Cash Equivalents Securities Loans Held for Sale Loans Allowance for Loan Losses Foreclosed Assets Premises and Equipment Mortgage Servicing Rights Federal Home Loan Bank Stock Bank-Owned Life Insurance Retirement Plans Income Taxes Advertising and Promotional Costs Derivative Instruments and Hedging Activities Rate Lock Commitments Fair Values of Financial Instruments Segment Information Stock-Based Compensation Accumulated Other Comprehensive Income (Loss) Current Accounting Changes Reclassifications Subsequent Events Merger And Acquisition Activity Tables Schedule of Acquisition Schedule of Pro forma combined results of operations Securities Tables Schedule of amortized cost and estimated fair value of investment securities Schedule of securities in an unrealized loss position Schedule of amortized cost and estimated fair value of debt securities and nonrated trust preferred securities by contractual maturity Schedule of amortization of unrealized gain on securities Loans Tables Schedule of composition of loans categorized by the type of loan Schedule of loans to executives and directors Schedule of impaired loans Schedule of allowance for loan losses Schedule of loans by credit exposure Schedule of payment age analysis of loans receivable Schedule of loans on nonaccrual status Schedule of modifications of troubled debt Foreclosed Assets Tables Schedule of Foreclosed Assets Mortgage Servicing Rights Tables Schedule of summary of changes in balance of MSRs Schedule of mortgage banking income Premises And Equipment Tables Schdeule of premises and equipment Deposits Tables Schedule of distribution of deposits Scheduled maturities of time deposits Federal Home Loan Bank Advances Tables Schedule of FHLB Advances Other Borrowings Tables Schedule of other borrowings Derivative Instruments And Hedging Activities Tables Schedule of Interest Rate Swaps Income Taxes Tables Schedule of components of income tax Schedule of income tax reconciliation Schedule of net deferred tax assets Schedule of income tax effects on items of comprehensive income (loss) Commitments Contingencies And Credit Risk Tables Schedule of commitments Stock Based Compensation Tables Schedule of restricted stock awards activity Schedule of future projected compensation expense Schedule of stock option activity Capital Requirements Tables Schedule of capital requirements Earnings Per Share Tables Schedule of computation of earnings per share Fair Value Measurements Tables Schedule of significant unobservable inputs used to measure fair value Schedule of fair value measured on a recurring basis Reconciliation of fair value measurements using significant unobservable inputs Schedule of fair value measured on a nonrecurring basis Schedule of carrying value and estimated fair values of Financial Instruments Schedule of Condensed Balance Sheet Schedule of Condensed Income Statement Schedule of Condensed Cash Flow Statement Summary Of Quarterly Results Tables Schedule of Quarterly Results Useful life of premises and equipment Total fair value of assets acquired Accounting date Marathon State Bank book equity ratio as percent of assets prior to acquisition Percentage of tangible net book value Credit Markdown on Acquired Loan Portfolio Credit Markdown on Acquired Loan Portfolio, percentage Purchased Impaired Loan Balance Write-down, impaired loans Deposit premium to be paid for purchase Loans receivable Total deposits Cash purchase price Fair Value of Assets Acquired: Cash and due from banks Securities Loans receivable Short-term commercial paper and bankers' acceptances Foreclosed assets Premises and equipment, net Core deposit intangible asset Accrued interest receivable and other assets Fair Value of Liabilities assumed: Non-interest-bearing Interest-bearing Accrued expenses and other liabilities Total fair value of liabilities assumed Fair value of net assets acquired Pro Forma with Marathon State Bank Net Interest Income Noninterest Income Net Income Earnings Per Share Required reserve balance Cash balances Required collateral on deposit, before offset against related swap liabilities Uninsured cash and cash equivalent balances Securities Details Narrative Number of debt securities with unrealized losses Aggregate depreciation from amortized cost basis Securities Pledged as Collateral Gain on sale of securities Reclassification adjustment for security gain included in net income Fair value of securities transferred from available-for-sale to held-to-maturity Unrealized gains on transfer of securities Securities available for sale Amortized Cost Unrealized Gains Unrealized Losses Fair Value Securities Held to Maturity Amortized Cost Unrealized Gains Unrealized Losses Fair Value Fair Value Less Than 12 Months Unrealized Loss Less Than 12 Months Fair Value 12 Months or Longer Unrealized Loss 12 Months or Longer Total Fair Value Total Unrealized Loss Fair Value Less Than 12 Months Unrealized Loss Less Than 12 Months Fair Value 12 Months or Longer Unrealized Loss 12 Months or Longer Total Fair Value Total Unrealized Loss Securities Details 2 Amortized cost: Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years [AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost] Fair Value: Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years [AvailableForSaleSecuritiesDebtMaturitiesFairValue] Amortized Cost: Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years [us-gaap:HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis] Fair Value: Due in one year or less Due after one year through five years Due after five years through ten years Due after ten years [us-gaap:HeldToMaturitySecuritiesFairValue] Mortgage-backed securities and collateralized mortgage obligations - available for sale amortized cost Mortgage-backed securities and collateralized mortgage obligations - available for sale fair value Total available for sale - amortized cost Total available for sale - fair value Total held to maturity - amortized cost Total held to maturity - fair value Securities Details 3 Expected amortization of the remaining unrealized gain 2014 2015 2016 2017 2018 Thereafter Total Variable Rate Loans with Interest Rate Caps Loans outstanding Funds committed to be advanced on remaining available lines of credit in connection with impaired loans Total loans receivable on nonaccrual status Modified loan principal restructured to interest only Modified loan principal restructured to interest only, percentage Modified loan principal restructured to capitalize unpaid property taxes Modified loan principal restructured to capitalize unpaid property taxes, percentage Modified loan principal to extend amortization or lower existing interest rates Modified loan principal to extend amortization or lower existing interest rates, percentage Specific loan reserves for loans restructured Payments serviced on behalf of FHLB Maximum obligation for guarantees Loans originated Purchased Commerical and Commerical Real estate loans Composition of loans, categorized by the type of the loan Gross loans Loans in process of disbursement Subtotals - Disbursed loans Net deferred loan costs Allowance for loan losses Loans Details 1 Loans receivable from executive officers and directors Loans outstanding, beginning New loans Repayments Loans outstanding, ending Loans Details 2 Summary of information pertaining to impaired loans Impaired loans without a valuation allowance Impaired loans with a valuation allowance Total impaired loans before valuation allowances Valuation allowance related to impaired loans Net impaired loans Average recorded investment, net of allowance for loan losses Interest income recognized Interest income recognized on a cash basis on impaired loans Allowance for loan losses: Beginning Balance Provision Recoveries Charge offs Ending balance Individually evaluated for impairment Collectively evaluated for impairment Loans receivable (gross): Individually evaluated for impairment Collectively evaluated for impairment Commercial Credit Exposure Loans receivable, commercial credit exposure Consumer Credit Exposure Loans receivable, consumer credit exposure Loans Receivable Payment Age Analysis 30-59 Days 60-89 Days 90+ Days Total Past Due Current Total Loans 90+ And Accruing With no related allowance recorded: Unpaid Principal Recorded Investment Average Recorded Investment Interest income recognized With an allowance recorded: Unpaid Principal Related allowance Recorded Investment Average Recorded Investment Interest income recognized Total Unpaid Principal Recorded Investment Average Recorded Investment Loans on Non Accrual Status Loans on nonaccrual status Troubled Debt Restructuring Number of Contracts Pre-modification outstanding recorded investment Post-modification outstanding recorded investment Subsequent Default Number of Contracts Recorded investment Foreclosed Assets Details Narrative Total loss on foreclosed assets Foreclosed Assets Details Summary of activity in foreclosed assets Balance at beginning of year Transfer of loans at net realizable value to foreclosed assets Sale proceeds Loans made on sale of foreclosed assets Net gain from sale of foreclosed assets Provision for write-down charged to operations Balance at end of year Mortgage Servicing Rights Details Narrative Unpaid principal balances of residential mortgage loans serviced for FHLB and FNMA Mortgage Servicing Rights Details Mortgage Servicing Rights, gross Balance, beginning Additions from originated servicing Amortization charged to earnings Balance, ending Valuation Allowance Balance, beginning Change in valuation allowance charged to earnings Balance, ending Mortgage servicing rights, net Mortgage servicing rights, net, beginning Mortgage servicing rights, net, ending Mortgage Servicing Rights Details 1 Cash gain on sale of mortgage loans Originated mortgage servicing rights Increase (decrease) in accrued mortgage rate lock commitments Gain on sale of mortgage loans Mortgage servicing fee income Provision for representation and warranty loss on serviced loans FHLB credit enhancement fee income Amortization of mortgage servicing rights Decrease (increase) in servicing right valuation allowance Loan servicing fee income, net Mortgage banking income, net Premises And Equipment Details Narrative Depreciation and amortization expense Future minimum payments for lease due in 2014 Rental expense Premises and equipment, gross Less: Accumulated depreciation and amortization Deposits Details Narrative Time deposits with individual balances over $100,000 Deposits from directors, executive officers, and related parties Deposits Details Distribution of deposits Non-interest bearing demand Interest bearing demand (NOWs) Savings Money market Retail and local time Broker and national time Deposits Details 1 Scheduled maturities of time deposits 2014 2015 2016 2017 2018 Thereafter Total Federal Home Loan Bank Advances Details Narrative FHLB public unit deposit letters of credit outstanding Maximum line of credit - FHLB advances Residential real estate mortgage collateral pledged to FHLB line of credit advances Available and unused portion of FHLB line of credit advances Current agreement with FHLB, additional borrowing capacity by pledging securities FHLB advances drawn which rquire additional purchases of FHLB capital stock Scheduled Year of Maturity Interest rate, lower limit Interest rate, upper limit Interest rate Weighted average interest rate Other Borrowings Details Narrative Securities Pledged for Repurchase Agreements Maximum advances from Federal Reserve under Discount Window program Commercial Purpose Loans pledged as collateral under Discount Window Program Advances available from Federal Reserve under Discount Window Program Line of credit with Bankers' Bank, Madison, WI Fiscal maturity of Bank Stock Term Loan Required Principal Payment 2014 Required Principal Payment 2015 Interest expense Other Borrowings Details Other borrowings consist of the following obligations: Short-term repurchase agreements Bank stock term loan Wholesale structured repurchase agreements Total other borrowings Other Borrowings Details 1 Securities Sold Under Repurchase Agreements and Wholesale Repurchase Agreements Weighted average rate as of end of period Highest month-end balance Daily average balance Weighted average rate Resale Agreement Counterparty [Axis] Maturity Date Wholesale structured repurchase agreements Proceeds Notes issued Interest rate on notes payable Repayments of notes, cash Amortizing term note to Bankers' Bank, Madison, WI Notes payable to related parties Interest rate description Spread on variable rate basis Net interest rate Interest expense Derivative Instruments And Hedging Activities Details Narrative Unrealized loss on interest rate swap, gross Unrealized loss on interest rate swap, net of tax Interest Rate Swaps Collateral Cash Reclassification adjustment of interest rate swap settlements included in earnings, before tax Derivative Instrument [Axis] Interest rate swaps to hedge variable-rate debt outstanding: Notional Amount Pay fixed rate Receive variable rate Maturity Unrealized gain (loss) fair value Floating interest rate swaps were outstanding with customers Notional Amount Fixed rate Variable rate Derivative Maturity Date Low End Derivative Maturity Date High End Weighted average remaining term Unrealized gain (loss) fair value The following floating interest rate swaps were outstanding with correspondent banks: Fixed rate Variable rate Weighted average remaining term Retirement And Deferred Compensation Plans Details Narrative 401(k) plan description Expense recognized for contributions to the 401(k) plan Deferred compensation agreement description Deferred compensation liability outstanding Deferred compensation expense Self-Funded Health Insurance Plan Details Narrative Self-funded Health Insurance Plan description Self-funded Health Insurance Plan liabilities outstanding Health and dental insurance expense Income Taxes Details Current income tax provision: Federal State Total current Deferred income tax provision (benefit) Federal State Total deferred Total provision for income taxes Income Taxes Details 1 Tax expense at statutory rate Tax expense at statutory rate, tax rate Increase (decrease) in taxes resulting from: Tax-exempt interest Tax-exempt interest, tax rate Bank owned life insurance Bank owned life insurance, tax rate State income tax State income tax, tax rate Merger-related expenses Merger-related expenses, tax rate Other Other, tax rate Total provision for income taxes Total provision for income taxes, tax rate Income Taxes Details 2 Deferred Tax assets: Allowance for loan losses Deferred compensation and directors' fees Accrued Interest Receivable Foreclosed assets Interest Rate Swaps Other Gross deferred tax assets Deferred tax liabilities: Premises and equipment Mortgage servicing rights FHLB stock Unrealized gain on securities available for sale Deferred net loan origination costs Prepaid expenses Gross deferred tax liabilities Net deferred tax asset Income Taxes Details 3 Pre-Tax Income (Expense) Unrealized gain (loss) on securities available for sale Reclassification adjustment for gain included in net income Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income Unrealized gain (loss) on interest rate swap Relassification of interest rate swap settlements included in earnings Totals Income Tax Expense (Credit) Unrealized gain (loss) on securities available for sale Reclassification adjustment for gain included in net income Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income Unrealized gain (loss) on interest rate swap Relassification of interest rate swap settlements included in earnings Totals Loss on sale of credit card loan balances, net of tax Loss on sale of credit card loan balances, tax Proceeds from sale of credit card loan balances Aggregate exposure on the full recourse balance of credit card loan balances Commitments Stock Based Compensation Details Narrative Value of restricted stocks granted to employees at grant date Restricted Stock Balance Compensation expense recorded from amortization of restricted stock expected to vest Tax effect of amortization of restricted stock Stock Based Compensation Details Restricted Stock Shares Restricted shares balance, beginning Restricted shares granted Restricted shares vested Restricted shares balance, ending Weighted Average Grant Price Weighted Average Grant Price, beginning Weighted Average Grant Price, granted Weighted Average Grant Price, vested Weighted Average Grant Price, ending Stock Based Compensation Details 1 Compensation Expense Schedule Assuming all RSUs Vest Compensation expense 2014 Compensation expense 2015 Compensation expense 2016 Compensation expense 2017 Compensation expense 2018 Compensation expense, total Stock Based Compensation Details 2 Stock Options Stock options outstanding, beginning Options granted Options exercised Options forfeited Stock options outstanding, ending Weighted Average Price Stock options outstanding, beginning Options granted Options exercised Options forfeited Stock options outstanding, ending Total Capital Total Capital (to risk-weighted assets) Total Capital (to risk-weighted assets) ratio Minimum amount of capital for adequacy purposes Minimum amount of capital for adequacy purposes, ratio Minimum Capital required to be well-capitalized under prompt corrective action provisions Minimum Capital required to be well-capitalized under prompt corrective action provisions, ratio Tier 1 Capital (to risk-weighted assets) Tier 1 Capital (to risk-weighted assets) Tier 1 Capital (to risk-weighted assets) ratio Minimum amount of Tier 1 Capital for adequacy purposes Minimum amount of Tier 1 Capital for adequacy purposes, ratio Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions, ratio Tier 1 Capital (to average assets) Tier 1 Capital (to average assets) Tier 1 Capital (to average assets) ratio Minimum amount of Tier 1 Capital for adequacy purposes Minimum amount of Tier 1 Capital for adequacy purposes, ratio Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions, ratio Earnings Per Share Details Narrative Stock Dividend - percentage Earnings Per Share Details Weighted average shares outstanding Effect of dilutive stock options outstanding Diluted weighted average shares outstanding Restrictions On Retained Earnings Details Narrative Restricted dividends, upper threshold Selling costs percentage Loans Receivable Carrying Value Impaired loans Fair value Loans Receivable Allowance Foreclosed assets acquired through or in lieu of foreclosure Foreclosed Assets, recorded at fair value Foreclosed Assets Carrying Value Foreclosed assets, Impairment charge Mortgage Servicing Rights, carrying Value Mortgage servicing rights Fair Value Mortgage Servicing Rights Impairment Allowance Fair Value Measurements Details Nonrecurring Fair Value Unobservable Inputs Direct annual servicing cost per loan Direct annual servicing cost per loan in process of foreclosure Weighted average prepayment speed: CPR Weighted average prepayment speed: PSA Weighted average discount rate Asset reinvestment rate Short-term cost of funds Escrow inflation adjustment Servicing cost inflation adjustment Securities available for sale: Total securities available for sale Loans held for sale Mortgage rate lock commitments Interest rate swap agreements Total assets Liabilities - Interest rate swap agreements Fair Value Measurements Details 2 Reconciliation of Fair Value Measurements Securities Available for Sale: Balance, beginning Total realized/unrealized gains and (losses): Included in earnings Included in other comprehensive income Purchases, maturities, and sales Balance, ending Total gains or (losses) for the period included in earnings attributable to the change in unrealized gains or losses relating to assets still held at year end Fair Value Assets Measured on a Nonrecurring Basis Impaired loans Foreclosed Assets Mortgage servicing rights Total assets Cash and cash equivalents Securities Other investments Net loans receivable and loans held for sale Accrued interest receivable Mortgage servicing rights FHLB stock Cash surrender value of life insurance Deposits FHLB advances Other borrowings Senior subordinated notes Junior subordinated debentures Interest rate swap agreements Accrued interest payable Investment in Peoples State Bank TOTAL ASSETS Accrued dividends payable Total stockholders' equity TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY Income Dividend from Peoples State Bank Dividends from other investments Interest Total income Expenses Interest on other borrowings Interest expense on senior subordinated notes Interest expense on junior subordinated debentures Transfer agent and shareholder communication Total expenses Income before income taxes and equity in undistributed net income of Peoples State Bank Recognition of income tax benefit Net income before equity in undistributed net income of Peoples State Bank Equity in undistributed net income of Peoples State Bank Equity in undistributed net income of Peoples State Bank (Increase) decrease in other assets (Decrease) increase in other liabilities (Decrease) increase in dividends payable Net cash provided by operating activities Purchase Marathon State Bank Common Stock Investment in Peoples State Bank Net cash provided by investing activities Financing activities: Proceeds from other borrowings Repayments of other borrowings Net cash used in financing activities Net (decrease)/increase in cash and cash equivalents Cash and cash equivalents at beginning of year Cash and cash equivalents at end of year Summary Of Quarterly Results Details Narrative Total interest and dividend income Total interest expense Total noninterest income Acceptable Risk Member This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Header information regardging acquired assets. Header information regardging acquired liabilities. A specific type of loan holdings, as defined by the Company. The rate of asset reinvestment, used as an input to measure fair value. Average Risk Member This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. A specific part of other borrowings the company enters into. Bank Stock term loans are loans made with the Bankers' Bank of Madison, Wisonsin. The book equity ratio to a percentage of total assets. Monetary deposits the company owns and are held by broker-dealers. Cash Flow subheading for amounts paid for interest and income taxes. Private debt obligations held by the Company that are collateralized and classified as available for sale securities. US Government debt obligations held by the Company that are collateralized and classified as available for sale securities. Component of Commercial Credit Risk Exposure, as defined by the company. A specific type of loan holdings, as defined by the Company. Commercial Construction Member Commercial Industrial Municipal Member Commercial Real Estate Mortgage Member The total of future share-based compensation of vested RSUs. Share-based compensation expense in excess of one year, within one year of the balance sheet date relating to restricted shares that vest to employees. Share-based compensation expense within fifth year of the balance sheet date relating to restricted shares that vest to employees. Share-based compensation expense within fourth year of the balance sheet date relating to restricted shares that vest to employees. Share-based compensation expense within third year of the balance sheet date relating to restricted shares that vest to employees. Share-based compensation expense within second year of the balance sheet date relating to restricted shares that vest to employees. A specific type of loan holdings, as defined by the Company. Consumer Individual Member Consumer Member Credit markdown recorded to write down acquired loans on purchase date. Credit markdown recorded to write down acquired loans on purchase date. Specifically, the percentage of the markdown against loan principal. The daily average balance of securities sold under repurchase agreements. This balance is used in determining the weighted average rate. Schedule providing details as to which deposits are outstanding from the Company and in which facility-type. Latest Maturity Date of derivatives. Earliest Maturity Date of derivatives. The direct annual service cost per loan, used as an input to measure fair value. The direct annual service cost per loan that is in the process of foreclosure, used as an input to measure fair value. Total of loans that have been fully disbursed to clients, prior to allowance or deferred loan costs. Rate utilized to adjust funds held in escrow by an inflation factor, used as an input to measure fair value. This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. The period charge to the valuation allowance for impaired foreclosed assets the company includes within loans receivable sub-schedules. Securities classified by the Company as being held to maturity. Gross unrealized losses on held to maturity securities. Loss to be realized upon sale of these holdings. The highest month-end balance of securities sold under repurchase agreements. Amount of interest-bearing demand deposits and money market funds which are readily available for additional deposits or withdrawal without notice or penalty, as of the balance sheet date. Interest Rate Swap Banks Member The amount of cash pledged as collateral to interest rate swap agreements. Loans which were written off during the period in noncash transactions. Noncash investing activities related to loans originated on the sale of foreclosed assets. This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. Aging of outstanding loans receivable. Similar to Aging of Accounts Receivable. Client loan collateral assets transferred from loans receivable to foreclosed assets during the period, at net realizable value. The value of loans which were transferred to foreclosed assets in noncash transactions.. Minimal Risk Member This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. The valuation allowance for impaired mortgage servicing rights the company includes within loans receivable sub-schedules. Net gain on the sale of foreclosed client assets during the period. Net loans deemed to be impaired after application of the allowance. This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Senior subordinated notes receivable held by trusts that are not rated by leading ratings agencies. A facility may be nonrated due to size of holdings. Preferred securities held in trusts that are not rated by leading ratings agencies. A facility may be nonrated due to size of holdings. Nonperforming Member Information pertaining to securities holdings in nonrated commercial paper. Information pertaining to securities holdings in nonrated SBA Loan Fund. This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Other Comprehensive Income/Loss (OCI) net of income taxes. Information pertaining to PSB values in the acquisition of Marathon State Bank. Residential Construction Development Member A specific type of loan holdings, as defined by the Company. A specific type of loan holdings, as defined by the Company. Residential Real Estate Home Equity Member Residential Real Estate Mortgage Member Proceeds of sale of foreclosed client assets during the period. Schedule of foreclosed client assets which the company retains in conjunction with unpaid and foreclosed loans receivable. Rate utilized to adjust servicing cost by an inflation factor, to present financial information on an inflation-adjusted basis, used as an input to measure fair value. The short-term interest rate for borrowing funds, used as an input to measure fair value. The amount of loan reserves maintained in connection with loans restructured during the year to date. Percentage of shares that are to be paid in kind for dividends as shares. Amount of retail deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Total gains (losses) included in earnings attributable to the change in unrealized gains (losses) relating to securities available for sale still held at period end in the reconciliation of fair value measurements using significant unobservable inputs. Residential MBS and CMOs issued by US agencies that are available for sale by the company. Activity in the allowance account that is not allocated to the Company's self-identified loan types. Similar to a catch-all other account. The value of restricted stock grants which vest during the period in noncash transactions. Watch Member The weighted average conditional prepayment rate (CPR). The CPR is a loan prepayment rate equal to the proportion of the principal of a pool of loans that is assumed to be paid off prematurely in each period, used as an input to measure fair value. The weighted average Public Securities Association Standard Prepayment Model rate (PSA). The PSA is an assumed monthly rate of prepayment that is annualized to the outstanding principal balance of a mortgage loan, used as an input to measure fair value. Weighted average rate for the period presented. Period remaining until the derivative contract matures, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. A specific part of other borrowings the company enters into. Wholesale structured repurchase agreements repurchase agreements are collateralized by the pledging of securities available for sale. The percentage of tangible net book value paid in an acquisition. The amount of selling costs as a percentage of property value. The pro forma net interest income for a period as if the business combination or combinations had been completed at the beginning of the period. The pro forma non interest income for a period as if the business combination or combinations had been completed at the beginning of the period. The amount of purchased impaired loans written down. Aggregate notional amount specified by the derivative(s). Expressed as an absolute value. Tabular disclosure of income tax effects of the components of comprehensive income (loss). The amount of foreclosed assets acquired through or in lieu of foreclosure during the period. Carrying amount as of the balance sheet date of all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings or defeasance; includes real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts. The estimated value of gains (losses), net anticipated to be transferred in the future from accumulated other comprehensive income into earnings, net of tax effect. Net gain or loss from the sale and write-down of foreclosed assets. Amount of cash outflow (inflow) from acquisition (sale) of bank certificates of deposit. The fair value of unvested, restricted stock grants which were issued during the reporting period in noncash transactions. Amortization of unrealized gain on securities held to maturity transferred from securities available for sale in noncash transactions during the year. The entire policy regarding Mortgage Servicing Rights (MSRs). The entire policy regarding Federal Home Loan Bank Stock. The entire policy regarding bank owned life insurance policies. The entire policy regarding rate lock commitments. Tabular disclosure of the scheduled amortization of unrealzied gain on securities. Tabular disclosure of financing receivables due from related parties. The entire disclosure regarding mortgage servicing rights. Tabular disclosure of the company's income from mortgage servicing rights. Tabular disclosure of maturities of time deposits. Tabular disclosure of Federal Home Loan Bank advances by type. The entire disclosure of junior subordinated debentures. Tabular disclosure of commitments as of the balance sheet date. Disclosure regarding restrictions on retained earnings. Information pertaining to the acquisition of Marathon State Bank. Information pertaining to the acquisition of the Rhinelander, Wisconsin branch of The Baraboo National Bank. Percentage premium on purchased core deposits to be paid by the bank in the acquisition of the Rhinelander, Wisconsin branch of The Baraboo National Bank. Information pertaining to total uninsured cash and cash equivalent balances, if the FCID's Transaction Account Guarantee Program was not in place as of the balance sheet date. Amount of unrealized gain before deducting unrealized loss on investments in debt and equity securities classified as held-to-maturity securities. Amortized cost value of mortgage backed securities and collateralized mortgage obligations classified as available for sale. Fair value of mortgage backed securities and collateralized mortgage obligations classified as available for sale. Amount of available-for-sale debt securities at cost, net of adjustments, which include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Inclusive of mortgage-backed securities and collateralized mortgage obligations. Amount of debt securities categorized neither as held-to-maturity nor trading. Inclusive of mortgage-backed securities and collateralized mortgage obligations. Amount of held to maturity debt securities at cost, net of adjustments, which include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings (less any cumulative-effect adjustments, as defined) and fair value hedge accounting adjustments. Inclusive of mortgage-backed securities and collateralized mortgage obligations. This item represents the total of all debt securities grouped by maturity dates, at fair value, which are categorized as held-to-maturity. Inclusive of mortgage-backed securities and collateralized mortgage obligations. The amount of unrealized gain on debt securities to be recognized through amortization during the next twelve months. The amount of unrealized gain on debt securities to be recognized through amortization in the second year following the end of the closest fiscal year. The amount of unrealized gain on debt securities to be recognized through amortization in the third year following the end of the closest fiscal year. The amount of unrealized gain on debt securities to be recognized through amortization in the fourth year following the end of the closest fiscal year. The amount of unrealized gain on debt securities to be recognized through amortization in the fifth year following the end of the closest fiscal year. The amount of unrealized gain on debt securities to be recognized through amortization after the fifth year following the end of the closest fiscal year. The amount of unrealized gain on debt securities to be recognized through amortization in following years. The number of debt and equity securities in an unrealized loss position as of the balance sheet date. The aggregate depreciation (i.e. loss) on debt securities from the amortized cost basis, as of the balance shee date. This item represents the fair value of available-for-sale securities transferred to held-to-maturity securities. This item represents the gross amount of unrealized gains from transfers of securities from the available-for-sale category into the held-to-maturity category. Such gains represent the unrealized gains included in other comprehensive income associated with the securities transferred and will be amortized in following years and thereby recognized in income from operations. The number of variable interest rate loans receivable held by the company which have interest rate caps. Information pertaining to one related party. Amounts committed, by contractual agreement, to be advanced on remaining available lines of credit in connection with impaired loans as of the balance sheet date. Value of modified loan principal converted from amortizing principal payments to interest only payments. The percentage of modified loan principal converted from amortizing principal payments to interest only payments. Value of modified loan principal converted to capitalize unpaid property taxes. Percentage of modified loan principal converted to capitalize unpaid property taxes. Value of modified loan principal converted to extend amortization periods or to lower the existing interest rate. Percentage of modified loan principal converted to extend amortization periods or to lower the existing interest rate. The value of payments serviced by the company of first lien residential loan principal on behalf of the FHLB. Description of the maximum obligation by the company of first lien residential loan principal on behalf of the FHLB. The value of loans purchased and originated to other financial institutions. The value of loans purchased and originated by other Wisconsin-based financial institutions. The total loss, inclusive of net gain on sale, provision for write-down, and periodic holding costs, of foreclosed client assets during the period. The unpaid principal balance of residential mortgage loans serviced by the company on behalf of FHLB and FNMA. Income generated during the period from originated mortgage servicing rights. Income generated over the period due to the increase in accrued mortgage lock commitments. Income generated from FHLB credit enhancement servicing. Income from mortgage banking activities (fees and commissions) and servicing real estate mortgages, credit cards, and other financial assets held by others net of any related impairment of capitalized service costs. Also includes any premiums received in lieu of regular servicing fees on such loans only as earned over the life of the loans. Net of related amortization and inclusive. Provision for representation and warranty losses on loans serviced for FHLB and FNMA. Amount of maximum additional borrowing capacity available from the Federal Home Loan Bank (FHLB) under a current agreement by pledging securities. Threshold amount of advances by which the company must purchase additional shares of Federal Home Loan Bank (FHLB) stock. Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Applicable to Tranche 1 of fixed rate, interest only advances. Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Applicable to Tranche 1 of variable rate, interest only advances. Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Applicable to Tranche 2 of fixed rate, interest only advances. Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Applicable to Tranche 2 of variable rate, interest only advances. Amount of maximum advances or credit lines available from the Federal Reserve Bank (FRB), under the Discount Window program. Amount of the collateral pledged in support of Federal Reserve Bank advances outstanding. Amount of advances or credit lines available from the Federal Reserve Bank (FRB). Investments represented by an agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Such agreements are generally short-term in nature. This identifies the counterparty or group of related counterparties to repurchase agreements. Investments represented by an agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Such agreements are generally short-term in nature. Specific to tranche 1 of wholesale agreements. Investments represented by an agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Such agreements are generally short-term in nature. Specific to tranche 2 of wholesale agreements. Description of benefits provided to employees in regards to a self-funded employee medical benefit plan. This represents the current liability for the self-funded health insurance plan for claims incurred but not yet paid. Amounts incurred during the period for health and dental insurance. Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from accrued interest receivable. Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from foreclosed assets. Amount of deferred tax liability attributable to taxable temporary differences from Federal Home Loan Bank (FHLB) stock. Credit card commitments are legally binding commitments to extend credit to a counterparty under certain terms and conditions. Commitments are legally binding commitments to extend credit to a counterparty under certain terms and conditions. Commitments are legally binding commitments to extend credit to a counterparty under certain terms and conditions. Gain (loss) on the sale of credit card loan balances net of tax. Tax benefit resulting from the sale of credit card loan balances net of tax. The aggregate exposure on the full recourse balance of credit card loan balances. Compensation expense for restricted stock award units. The upper limit on dividends that may be distributed or declared, to maintain well-capitalized regulatory status. Earned dividend income from People's Stabe Bank. Increase/decrease during the period in dividends payable. Amount of tax expense (benefit) before reclassification adjustments of unrealized holding gain (loss) related to transfers of securities from the available-for-sale category and into the held-to-maturity category. Cash and Cash Equivalents, at Carrying Value Liabilities Treasury Stock, Carrying Basis Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term Interest Expense, Borrowings Interest Income (Expense), after Provision for Loan Loss Noninterest Expense Income (Loss) from Continuing Operations before Income Taxes, Domestic Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, Net of Tax OtherComprehensiveIncomeReclassificationAdjustmentForAvailableForSaleSecuritiesTransferredToHeldToMaturityTax Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, Tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, Tax Dividends Payable, Amount Per Share Recognition of Deferred Revenue Payments for Origination and Purchases of Loans Held-for-sale Gain (Loss) on Sales of Loans, Net Gain (Loss) on Disposition of Property Plant Equipment Increase (Decrease) in Accrued Interest Receivable, Net Increase (Decrease) in Other Operating Assets Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities Payments to Acquire Available-for-sale Securities Payments to Acquire Held-to-maturity Securities PaymentsForProceedsFromCertificatesOfDeposit Payments for (Proceeds from) Federal Home Loan Bank Stock Payments for (Proceeds from) Loans and Leases Payments to Acquire Property, Plant, and Equipment Payments to Acquire Life Insurance Policies Payments of Ordinary Dividends, Common Stock Payments for Repurchase of Common Stock Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Real Estate Owned [Text Block] MortgageServicingRightsTextBlock Deposit Liabilities Disclosures [Text Block] Federal Home Loan Bank Advances, Disclosure [Text Block] Repurchase Agreements, Resale Agreements, Securities Borrowed, and Securities Loaned Disclosure [Text Block] SeniorSubordinatedNotesAbstract Debt Disclosure [Text Block] JuniorSubordinatedDebenturesAbstract JuniorSubordinatedDebenturesTextBlock Compensation and Employee Benefit Plans [Text Block] Income Tax Disclosure [Text Block] Disclosure of Compensation Related Costs, Share-based Payments [Text Block] Regulatory Capital Requirements under Banking Regulations [Text Block] Fair Value Disclosures [Text Block] Marketable Securities, Policy [Policy Text Block] Finance, Loans and Leases Receivable, Policy [Policy Text Block] Finance, Loan and Lease Receivables, Held for Investments, Foreclosed Assets Policy [Policy Text Block] Property, Plant and Equipment, Policy [Policy Text Block] MortgageServicingRightsPolicyTextBlock Income Tax, Policy [Policy Text Block] Derivatives, Policy [Policy Text Block] Comprehensive Income, Policy [Policy Text Block] Marketable Securities Commercial Paper, at Carrying Value Other Real Estate, Foreclosed Assets, and Repossessed Assets Finite-Lived Core Deposits, Gross Interest Receivable and Other Assets Assets, Net Business Acquisition, Pro Forma Earnings Per Share, Basic HeldToMaturitySecuritiesGrossUnrealizedGains HeldToMaturitySecuritiesGrossUnrealizedLosses Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than Twelve Months, Fair Value Held-to-maturity Securities, Continuous Unrealized Loss Position, Less than 12 Months, Aggregate Loss Held-to-maturity Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Held-to-maturity Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Aggregate Loss Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value Held-to-maturity Securities, Continuous Unrealized Loss Position, Aggregate Loss Available-for-sale Securities, Debt Maturities, Amortized Cost Basis Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value Available-for-sale Securities, Debt Securities Held-to-maturity Securities, Debt Maturities, within One Year, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, Single Maturity Date, Amortized Cost Basis Held-to-maturity Securities, Debt Maturities, Single Maturity Date, Fair Value [Abstract] Held-to-maturity Securities, Debt Maturities, Next Twelve Months, Fair Value Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value Held-to-maturity Securities, Debt Maturities, after Ten Years, Fair Value AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost1 AvailableForSaleSecuritiesDebtSecurities1 HeldToMaturitySecuritiesDebtMaturitiesAmortizedCost1 HeldToMaturitySecuritiesDebtMaturitiesFairValue1 AmortizationUnrealizedGainDebtSecurities Loans and Leases Receivable, Loans in Process Loans and Leases Receivable, Deferred Income Loans and Leases Receivable, Allowance Loans and Leases Receivable, Related Parties, Collections Impaired Financing Receivable, Recorded Investment NetImpairedLoans Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Collectively Evaluated for Impairment Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance Impaired Financing Receivable, with Related Allowance, Average Recorded Investment Impaired Financing Receivable, with Related Allowance, Interest Income, Accrual Method Financing Receivable, Modifications, Subsequent Default, Number of Contracts Servicing Asset at Amortized Cost, Amortization Valuation Allowances and Reserves, Balance MortgageServicingRightsNetAbstract ProvisionForRepresentationAndWarrantyLossOnServicedLoans FeesAndCommissionsMortgageBankingAndServicingNet Maturities of Time Deposits [Abstract] Time Deposit Maturities, Next Twelve Months Time Deposit Maturities, Year Two Time Deposit Maturities, Year Three Time Deposit Maturities, Year Four Time Deposit Maturities, Year Five Time Deposit Maturities, after Year Five Time Deposits Debt, Weighted Average Interest Rate Derivative Instruments, Gain (Loss) Reclassification from Accumulated OCI to Income, Estimated Net Amount to be Transferred DerivativeInstrumentsGainLossReclassificationFromAccumulatedOCIToIncomeEstimatedNetAmountToBeTransferredNetOfTax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI on Derivatives, before Tax Derivative, Average Fixed Interest Rate Derivative, Average Variable Interest Rate Derivative Instruments Not Designated as Hedging Instruments, Gain (Loss), Net Derivative, Remaining Maturity Current Income Tax Expense (Benefit) Deferred Federal Income Tax Expense (Benefit) Deferred State and Local Income Tax Expense (Benefit) Effective Income Tax Rate Reconciliation, Tax Exempt Income, Amount DeferredTaxAssetsForeclosedAssets Deferred Tax Assets, Derivative Instruments Deferred Tax Assets, Other Deferred Tax Assets, Gross Deferred Tax Liabilities, Gross, Noncurrent Deferred Tax Assets, Net of Valuation Allowance Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, before Tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, before Tax Other Comprehensive Income (Loss), Unrealized Gain (Loss) on Derivatives Arising During Period, before Tax Other Comprehensive Income (Loss), before Tax Other Comprehensive Income (Loss), Derivatives Qualifying as Hedges, Tax, Portion Attributable to Parent Other Comprehensive Income (Loss), Tax LossOnSaleOfCreditCardLoanBalancesNetOfTax Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value CompensationExpenseFutureMinimumPaymentsDue Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price Share-based Compensation Arrangements by Share-based Payment Award, Options, Expirations in Period, Weighted Average Exercise Price Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures and Expirations in Period, Weighted Average Exercise Price Capital Capital to Risk Weighted Assets Capital Required for Capital Adequacy Capital Required for Capital Adequacy to Risk Weighted Assets Capital Required to be Well Capitalized Capital Required to be Well Capitalized to Risk Weighted Assets Tier One Risk Based Capital Tier One Risk Based Capital to Risk Weighted Assets Tier One Risk Based Capital Required for Capital Adequacy Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier One Risk Based Capital Required to be Well Capitalized Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Tier One Leverage Capital Tier One Leverage Capital to Average Assets Tier One Leverage Capital Required for Capital Adequacy Tier One Leverage Capital Required for Capital Adequacy to Average Assets Tier One Leverage Capital Required to be Well Capitalized Tier One Leverage Capital Required to be Well Capitalized to Average Assets Loans Held-for-sale, Fair Value Disclosure Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Assets, Fair Value Disclosure, Nonrecurring Investments, Fair Value Disclosure AccruedInterestReceivableFairValueDisclosure MortgageServicingRightsFairValueDisclosure FhlbStockFairValueDisclosure Deposits, Fair Value Disclosure OtherBorrowingsFairValueDisclosure Notes Payable, Fair Value Disclosure Subordinated Debt Obligations, Fair Value Disclosure Interest and Other Income Operating Income (Loss) Operating Expenses Payments to Acquire Interest in Subsidiaries and Affiliates Repayments of Other Debt Cash, Cash Equivalents, and Federal Funds Sold EX-101.PRE 12 psbq-20131231_pre.xml XBRL PRESENTATION FILE XML 13 R39.htm IDEA: XBRL DOCUMENT v2.4.0.8
Mortgage Servicing Rights (Tables)
 12 Months Ended
Dec. 31, 2013
Mortgage Servicing Rights Tables  
Schedule of summary of changes in balance of MSRs
   Originated  Valuation   
   MSR  Allowance  Total
          
Balance at January 1, 2011  $1,303   ($203)  $1,100 
                
Additions from originated servicing   419    0    419 
Amortization charged to earnings   (436)   0    (436)
Change in valuation allowance credited to earnings   0    122    122 
                
Balance at December 31, 2011   1,286    (81)   1,205 
                
Additions from originated servicing   774    0    774 
Amortization charged to earnings   (547)   0    (547)
Change in valuation allowance charged to earnings   0    (199)   (199)
                
Balance at December 31, 2012   1,513    (280)   1,233 
                
Additions from originated servicing   625    0    625 
Amortization charged to earnings   (421)   0    (421)
Change in valuation allowance credited to earnings   0    259    259 
                
Balance at December 31, 2013  $1,717   ($21)  $1,696 
Schedule of mortgage banking income

The table below summarizes the components of PSB’s mortgage banking income for the three years ended December 31.

 

   Years Ending December 31,
   2013  2012  2011
          
Cash gain on sale of mortgage loans  $826   $1,113   $642 
Originated mortgage servicing rights   625    774    419 
Increase (decrease) in accrued mortgage rate lock commitments   (78)   31    3 
                
Gain on sale of mortgage loans   1,373    1,918    1,064 
                
Mortgage servicing fee income   674    649    645 
Provision for representation and warranty losses on serviced loans   (294)   (28)   (38)
FHLB credit enhancement fee income   0    2    16 
Amortization of mortgage servicing rights   (421)   (547)   (436)
Decrease (increase) in servicing right valuation allowance   259    (199)   122 
                
Loan servicing fee income, net   218    (123)   309 
                
Mortgage banking income, net  $1,591   $1,795   $1,373 
XML 14 R112.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Loans Receivable Carrying Value $ 523,243 $ 492,230    
Loans Receivable Allowance 2,108 2,434 3,178  
Foreclosed assets acquired through or in lieu of foreclosure 1,342 1,295    
Foreclosed Assets, recorded at fair value 1,750 1,774 2,939 4,967
Foreclosed Assets Carrying Value 2,156 2,259    
Foreclosed assets, Impairment charge 406 485    
Mortgage Servicing Rights, carrying Value 1,717 1,513 1,286 1,303
Mortgage servicing rights Fair Value 1,696 1,233 1,205 1,100
Mortgage Servicing Rights Impairment Allowance 21 280    
Impaired
        
Loans Receivable Carrying Value 2,119 3,955    
Impaired loans Fair value 1,720 2,973    
Loans Receivable Allowance $ 399 $ 982    
Lower Range
        
Selling costs percentage 5.00%      
Upper Range
        
Selling costs percentage 15.00%      
XML 15 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
Merger and Acquisition Activity (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 0 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Jun. 14, 2012
Marathon State Bank
Jun. 01, 2012
Marathon State Bank
Jan. 22, 2014
Rhinelander, Baraboo National Bank
Total fair value of assets acquired       $ 107,364  
Accounting date     Jun. 01, 2012    
Marathon State Bank book equity ratio as percent of assets prior to acquisition       6.00%  
Percentage of tangible net book value     100.00%    
Credit Markdown on Acquired Loan Portfolio     490    
Credit Markdown on Acquired Loan Portfolio, percentage     2.05%    
Purchased Impaired Loan Balance       310  
Write-down, impaired loans     21    
Deposit premium to be paid for purchase         1.65%
Loans receivable 509,880 477,991   23,760 22,000
Total deposits $ 577,514 $ 565,442     $ 44,000
XML 16 R48.htm IDEA: XBRL DOCUMENT v2.4.0.8
Capital Requirements (Tables)
 12 Months Ended
Dec. 31, 2013
Capital Requirements Tables  
Schedule of capital requirements

PSB’s and the Bank’s actual and regulatory capital amounts and ratios are as follows:

 

               To Be Well-
               Capitalized Under
         For Capital  Prompt Corrective
   Actual  Adequacy Purposes  Action Provisions
   Amount  Ratio  Amount  Ratio  Amount  Ratio
                   
As of December 31, 2013:                              
Total capital (to risk weighted assets):                              
Consolidated  $70,048    13.88%   $40,365    8.00%    N/A      N/A   
Peoples State Bank  $72,321    14.35%   $40,312    8.00%   $50,390    10.00% 
                               
Tier I capital (to risk weighted assets):                              
Consolidated  $63,734    12.63%   $20,182    4.00%    N/A      N/A   
Peoples State Bank  $66,015    13.10%   $20,156    4.00%   $30,234    6.00% 
                               
Tier I capital (to average assets):                              
Consolidated  $63,734    9.06%   $28,130    4.00%    N/A      N/A   
Peoples State Bank  $66,015    9.39%   $28,130    4.00%   $35,163    5.00% 
                               
As of December 31, 2012:                              
Total capital (to risk weighted assets):                              
Consolidated  $73,636    14.87%   $39,615    8.00%    N/A      N/A   
Peoples State Bank  $71,032    14.36%   $39,572    8.00%   $49,465    10.00% 
                               
Tier I capital (to risk weighted assets):                              
Consolidated  $60,430    12.20%   $19,813    4.00%    N/A      N/A   
Peoples State Bank  $64,834    13.11%   $19,782    4.00%   $29,672    6.00% 
                               
Tier I capital (to average assets):                              
Consolidated  $60,430    8.76%   $27,594    4.00%    N/A      N/A   
Peoples State Bank  $64,834    9.35%   $27,736    4.00%   $34,671    5.00% 
XML 17 R121.htm IDEA: XBRL DOCUMENT v2.4.0.8
Summary of Quarterly Results (Unaudited) (Details Narrative) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Mar. 31, 2011
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Summary Of Quarterly Results Details Narrative                              
Total interest and dividend income $ 6,728 $ 6,772 $ 6,692 $ 6,624 $ 6,937 $ 6,933 $ 6,679 $ 6,695 $ 7,063 $ 7,095 $ 7,113 $ 7,043 $ 26,816 $ 27,244 $ 28,314
Total interest expense 1,363 1,350 1,375 1,423 1,643 1,770 1,799 1,879 2,003 2,228 2,247 2,279 5,511 7,091 8,757
Net interest income 5,365 5,422 5,317 5,201 5,294 5,163 4,880 4,816 5,060 4,867 4,866 4,764 21,305 20,153 19,557
Provision for loan losses    3,340 352 323 460    165 160 240 360 430 360 4,015 785 1,390
Total noninterest income 1,274 1,411 1,523 1,415 1,559 1,444 2,323 1,242 1,376 1,367 1,197 1,397 5,623 6,568 5,337
Net income $ 1,561 $ 13 $ 1,561 $ 1,609 $ 1,685 $ 1,226 $ 1,918 $ 1,180 $ 1,400 $ 1,394 $ 1,226 $ 1,285 $ 4,744 $ 6,009 $ 5,305
Basic earnings per share $ 0.95 $ 0.01 $ 0.95 $ 0.97 $ 1.01 $ 0.74 $ 1.15 $ 0.70 $ 0.85 $ 0.85 $ 0.74 $ 0.78 $ 2.87 $ 3.61 $ 3.21
Diluted earnings per share $ 0.95 $ 0.01 $ 0.95 $ 0.97 $ 1.01 $ 0.74 $ 1.15 $ 0.70 $ 0.85 $ 0.84 $ 0.74 $ 0.78 $ 2.87 $ 3.61 $ 3.21
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Loans (Details 6) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Loans Receivable Payment Age Analysis    
30-59 Days $ 1,126 $ 2,346
60-89 Days 715 610
90+ Days 2,696 4,650
Total Past Due 4,537 7,606
Current 511,811 477,585
Total Loans 516,348 485,191
Commercial and Industrial
    
Loans Receivable Payment Age Analysis    
30-59 Days 284 375
60-89 Days 57 83
90+ Days 610 1,795
Total Past Due 951 2,253
Current 114,978 111,990
Total Loans 115,929 114,243
Agricultural
    
Loans Receivable Payment Age Analysis    
60-89 Days   154
90+ Days 152  
Total Past Due 152 154
Current 4,102 4,111
Total Loans 4,254 4,265
Government
    
Loans Receivable Payment Age Analysis    
Current 10,037 14,125
Total Loans 10,037 14,125
Commercial Real Estate
    
Loans Receivable Payment Age Analysis    
30-59 Days 376 936
60-89 Days 547 76
90+ Days 1,276 1,028
Total Past Due 2,199 2,040
Current 210,651 181,778
Total Loans 212,850 183,818
Commercial Construction and Development
    
Loans Receivable Payment Age Analysis    
60-89 Days   20
Total Past Due   20
Current 11,434 25,340
Total Loans 11,434 25,360
Residential Prime
    
Loans Receivable Payment Age Analysis    
30-59 Days 369 950
60-89 Days 87 274
90+ Days 335 1,344
Total Past Due 791 2,568
Current 123,189 103,011
Total Loans 123,980 105,579
Residential HELOC
    
Loans Receivable Payment Age Analysis    
30-59 Days 45 64
60-89 Days 14  
90+ Days 314 335
Total Past Due 373 399
Current 20,304 21,357
Total Loans 20,677 21,756
Construction and Development
    
Loans Receivable Payment Age Analysis    
30-59 Days 37  
90+ Days   133
Total Past Due 37 133
Current 13,583 11,197
Total Loans 13,620 11,330
Consumer Loan
    
Loans Receivable Payment Age Analysis    
30-59 Days 15 21
60-89 Days 10 3
90+ Days 9 15
Total Past Due 34 39
Current 3,533 4,676
Total Loans $ 3,567 $ 4,715

XML 20 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
Merger and Acquisition Activity (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended 0 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Jun. 14, 2012
Marathon State Bank
Jun. 01, 2012
Marathon State Bank
Cash purchase price       $ 5,505  
Fair Value of Assets Acquired:          
Cash and due from banks 13,800 20,332     20,392
Securities         50,547
Loans receivable 509,880 477,991     23,760
Short-term commercial paper and bankers' acceptances         11,713
Foreclosed assets           
Premises and equipment, net 9,669 10,240     402
Core deposit intangible asset           
Accrued interest receivable and other assets         550
Total fair value of assets acquired         107,364
Fair Value of Liabilities assumed:          
Non-interest-bearing 102,644 89,819     23,255
Interest-bearing 474,870 475,623     77,611
Accrued expenses and other liabilities 7,052 6,493     142
Total fair value of liabilities assumed         101,008
Fair value of net assets acquired         6,356
Gain on bargain purchase    $ 851    $ 851  
XML 21 R78.htm IDEA: XBRL DOCUMENT v2.4.0.8
Mortgage Servicing Rights (Details 1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Mortgage Servicing Rights Details 1      
Cash gain on sale of mortgage loans $ 826 $ 1,113 $ 642
Originated mortgage servicing rights 625 774 419
Increase (decrease) in accrued mortgage rate lock commitments (78) 31 3
Gain on sale of mortgage loans 1,373 1,918 1,064
Mortgage servicing fee income 674 649 645
Provision for representation and warranty loss on serviced loans (294) (28) (38)
FHLB credit enhancement fee income    2 16
Amortization of mortgage servicing rights (421) (547) (436)
Decrease (increase) in servicing right valuation allowance 259 (199) 122
Loan servicing fee income, net 218 (123) 309
Mortgage banking income, net $ 1,591 $ 1,795 $ 1,373
XML 22 R104.htm IDEA: XBRL DOCUMENT v2.4.0.8
Stock Based Compensation (Details Narrative) (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Stock Based Compensation Details Narrative        
Value of restricted stocks granted to employees at grant date $ 210 $ 200 $ 200  
Restricted Stock Balance 32,602 30,409 25,572 19,452
Compensation expense recorded from amortization of restricted stock expected to vest $ 145 $ 105 $ 78  
Tax effect of amortization of restricted stock $ 57 $ 41 $ 31  
XML 23 R46.htm IDEA: XBRL DOCUMENT v2.4.0.8
Commitments, Contingencies, and Credit Risk (Tables)
 12 Months Ended
Dec. 31, 2013
Commitments Contingencies And Credit Risk Tables  
Schedule of commitments

These commitments at December 31 are as follows:

 

   2013  2012
       
Commitments to extend credit – Fixed and variable rates  $89,645   $74,121 
Commercial standby letters of credit – Variable rate   4,533    4,951 
Unused home equity lines of credit – Variable rate   24,082    22,999 
Unused credit card commitments – Variable rate   234    3,217 
Credit enhancement under the FHLB of Chicago          
Mortgage Partnership Finance program   949    1,945 
           
Totals  $119,443   $107,233 

 
XML 24 R33.htm IDEA: XBRL DOCUMENT v2.4.0.8
Summary of Quarterly Results (Unaudited)
 12 Months Ended
Dec. 31, 2013
Summary Of Quarterly Results  
Summary of Quarterly Results (Unaudited)
NOTE 25 Summary of Quarterly Results (Unaudited)

 

   Three Months Ended
   March 31  June 30  September 30  December 31
             
2013                    
                     
Interest income  $6,624   $6,692   $6,772   $6,728 
Interest expense   1,423    1,375    1,350    1,363 
Net interest income   5,201    5,317    5,422    5,365 
Provision for loan losses   323    352    3,340    0 
Noninterest income   1,415    1,523    1,411    1,274 
Net income   1,609    1,561    13    1,561 
Basic earnings per share*   0.97    0.95    0.01    0.95 
Diluted earnings per share*   0.97    0.95    0.01    0.95 
                     
2012                    
                     
Interest income  $6,695   $6,679   $6,933   $6,937 
Interest expense   1,879    1,799    1,770    1,643 
Net interest income   4,816    4,880    5,163    5,294 
Provision for loan losses   160    165    0    460 
Noninterest income   1,242    2,323    1,444    1,559 
Net income   1,180    1,918    1,226    1,685 
Basic earnings per share*   0.70    1.15    0.74    1.01 
Diluted earnings per share*   0.70    1.15    0.74    1.01 
                     
2011                    
                     
Interest income  $7,043   $7,113   $7,095   $7,063 
Interest expense   2,279    2,247    2,228    2,003 
Net interest income   4,764    4,866    4,867    5,060 
Provision for loan losses   360    430    360    240 
Noninterest income   1,397    1,197    1,367    1,376 
Net income   1,285    1,226    1,394    1,400 
Basic earnings per share*   0.78    0.74    0.85    0.85 
Diluted earnings per share*   0.78    0.74    0.84    0.85 

 

* Basic and diluted earnings per share may not foot to the total for the year ended December 31 due to rounding.
XML 25 R79.htm IDEA: XBRL DOCUMENT v2.4.0.8
Premises and Equipment (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Premises And Equipment Details Narrative      
Depreciation and amortization expense $ 723 $ 659 $ 673
Future minimum payments for lease due in 2014 24    
Rental expense $ 76 $ 72 $ 69
XML 26 R118.htm IDEA: XBRL DOCUMENT v2.4.0.8
Condensed Parent Company Only Financial Statements (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Assets        
Cash and due from banks $ 13,800 $ 20,332    
Other assets 3,901 4,847    
TOTAL ASSETS 711,541 711,966    
Liabilities and Stockholders' Equity        
Other borrowings 20,441 20,728    
Senior subordinated notes 4,000 7,000    
Junior subordinated debentures 7,732 7,732    
Accrued expenses and other liabilities 7,052 6,493    
Total stockholders' equity 56,753 54,447 50,362 46,690
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 711,541 711,966    
The Corporation
        
Assets        
Cash and due from banks 3,502 2,325    
Investment in Peoples State Bank 66,801 66,777    
Other assets 840 952    
TOTAL ASSETS 71,143 70,054    
Liabilities and Stockholders' Equity        
Accrued dividends payable 644       
Other borrowings 1,500       
Senior subordinated notes 4,000 7,000    
Junior subordinated debentures 7,732 7,732    
Accrued expenses and other liabilities 514 875    
Total stockholders' equity 56,753 54,447    
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 71,143 $ 70,054    
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Loans (Details 9) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Number
Dec. 31, 2012
Number
Commercial and Industrial
    
Troubled Debt Restructuring    
Number of Contracts 7 6
Pre-modification outstanding recorded investment $ 1,012 $ 661
Post-modification outstanding recorded investment 642 614
Subsequent Default    
Number of Contracts 1 2
Recorded investment      
Commercial Real Estate
    
Troubled Debt Restructuring    
Number of Contracts 5 3
Pre-modification outstanding recorded investment 587 603
Post-modification outstanding recorded investment 564 570
Subsequent Default    
Number of Contracts 1 1
Recorded investment 80 45
Residential Prime
    
Troubled Debt Restructuring    
Number of Contracts 5 1
Pre-modification outstanding recorded investment 867 121
Post-modification outstanding recorded investment 852 89
Subsequent Default    
Number of Contracts 1  
Recorded investment $ 87  
XML 29 R89.htm IDEA: XBRL DOCUMENT v2.4.0.8
Other Borrowings (Details 2) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2013
Wholesale Repurchase Agreements Tranche 1
JP Morgan Chase Bank N.A.
Dec. 31, 2013
Wholesale Repurchase Agreements Tranche 2
JP Morgan Chase Bank N.A.
Dec. 31, 2013
Wholesale Repurchase Agreements
JP Morgan Chase Bank N.A.
Securities Sold Under Repurchase Agreements and Wholesale Repurchase Agreements          
Maturity Date     Nov. 01, 2014 Nov. 01, 2017  
Weighted average rate as of end of period 3.08% 2.81% 4.335% 4.09% 4.235%
Wholesale structured repurchase agreements $ 13,500 $ 13,500 $ 8,000 $ 5,500 $ 13,500
XML 30 R57.htm IDEA: XBRL DOCUMENT v2.4.0.8
Cash And Cash Equivalents (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Required reserve balance $ 905  
Cash balances 1,694  
Required collateral on deposit, before offset against related swap liabilities 570 1,060
Uninsured cash and cash equivalent balances 12,045 515
Without TAG Program
    
Uninsured cash and cash equivalent balances   $ 18,112
XML 31 R109.htm IDEA: XBRL DOCUMENT v2.4.0.8
Earnings Per Share (Details Narrative)
 12 Months Ended
Dec. 31, 2012
Earnings Per Share Details Narrative  
Stock Dividend - percentage 5.00%
XML 32 R76.htm IDEA: XBRL DOCUMENT v2.4.0.8
Mortgage Servicing Rights (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Mortgage Servicing Rights Details Narrative    
Unpaid principal balances of residential mortgage loans serviced for FHLB and FNMA $ 272,280 $ 269,554
XML 33 R86.htm IDEA: XBRL DOCUMENT v2.4.0.8
Other Borrowings (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Other Borrowings Details Narrative    
Securities Pledged for Repurchase Agreements $ 22,699 $ 21,931
Maximum advances from Federal Reserve under Discount Window program 100,000  
Commercial Purpose Loans pledged as collateral under Discount Window Program 120,269  
Advances available from Federal Reserve under Discount Window Program 89,875  
Line of credit with Bankers' Bank, Madison, WI 3,000  
Fiscal maturity of Bank Stock Term Loan    
Required Principal Payment 2014 1,000  
Required Principal Payment 2015 500  
Interest expense $ 54  
XML 34 R81.htm IDEA: XBRL DOCUMENT v2.4.0.8
Deposits (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Deposits Details Narrative    
Time deposits with individual balances over $100,000 $ 103,207 $ 102,424
Deposits from directors, executive officers, and related parties $ 9,304 $ 9,311
XML 35 R87.htm IDEA: XBRL DOCUMENT v2.4.0.8
Other Borrowings (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Other borrowings consist of the following obligations:    
Short-term repurchase agreements $ 5,441 $ 7,228
Bank stock term loan 1,500   
Wholesale structured repurchase agreements 13,500 13,500
Total other borrowings $ 20,441 $ 20,728
XML 36 R77.htm IDEA: XBRL DOCUMENT v2.4.0.8
Mortgage Servicing Rights (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Mortgage Servicing Rights, gross      
Balance, beginning $ 1,513 $ 1,286 $ 1,303
Additions from originated servicing 625 774 419
Amortization charged to earnings (421) (547) (436)
Balance, ending 1,717 1,513 1,286
Valuation Allowance      
Balance, beginning (280) (81) (203)
Change in valuation allowance charged to earnings 259 (199) 122
Balance, ending (21) (280) (81)
Mortgage servicing rights, net      
Mortgage servicing rights, net, beginning 1,233 1,205 1,100
Mortgage servicing rights, net, ending $ 1,696 $ 1,233 $ 1,205
XML 37 R71.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details 7) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
With no related allowance recorded:      
Recorded Investment $ 9,303 $ 3,410 $ 5,474
With an allowance recorded:      
Related allowance 2,108 2,434 3,178
Recorded Investment 6,472 9,029 11,745
Total      
Recorded Investment 15,775 12,439 17,219
Average Recorded Investment 14,109 12,026 12,965
Interest income recognized 534 569 597
Commercial and Industrial
      
With no related allowance recorded:      
Unpaid Principal 2,906 1,483  
Recorded Investment 2,861 1,483  
Average Recorded Investment 2,172 1,545  
Interest income recognized 135 88  
With an allowance recorded:      
Unpaid Principal 2,231 3,626  
Related allowance 1,112 1,287  
Recorded Investment 1,999 2,339  
Average Recorded Investment 2,813 2,777  
Interest income recognized 43 62  
Total      
Unpaid Principal 5,137 519  
Recorded Investment 4,860 3,822  
Average Recorded Investment 4,985 4,322  
Interest income recognized 178 150  
Commercial Real Estate
      
With no related allowance recorded:      
Unpaid Principal 2,555 1,103  
Recorded Investment 2,376 1,103  
Average Recorded Investment 1,740 2,405  
Interest income recognized 85 194  
With an allowance recorded:      
Unpaid Principal 3,143 2,899  
Related allowance 621 643  
Recorded Investment 3,011 2,256  
Average Recorded Investment 2,955 2,634  
Interest income recognized 81 105  
Total      
Unpaid Principal 5,698 4,002  
Recorded Investment 5,387 3,359  
Average Recorded Investment 4,695 5,039  
Interest income recognized 166 299  
Commercial Construction and Development
      
With no related allowance recorded:      
Unpaid Principal 1     
Recorded Investment        
Average Recorded Investment        
Interest income recognized    33  
With an allowance recorded:      
Unpaid Principal 142 202  
Related allowance 74 31  
Recorded Investment 140 171  
Average Recorded Investment 171 316  
Interest income recognized 8 21  
Total      
Unpaid Principal 143 202  
Recorded Investment 140 171  
Average Recorded Investment 171 316  
Interest income recognized 8 54  
Agricultural
      
With no related allowance recorded:      
Unpaid Principal       
Recorded Investment       
Average Recorded Investment       
Interest income recognized       
With an allowance recorded:      
Unpaid Principal 152 154  
Related allowance 55 40  
Recorded Investment 152 114  
Average Recorded Investment 153 57  
Interest income recognized    10  
Total      
Unpaid Principal 152 154  
Recorded Investment 152 114  
Average Recorded Investment 153 57  
Interest income recognized    10  
Government
      
With no related allowance recorded:      
Unpaid Principal 3,090    
Recorded Investment 3,090    
Average Recorded Investment 1,545    
Interest income recognized 150    
Total      
Unpaid Principal 3,090    
Recorded Investment 3,090    
Average Recorded Investment 1,545    
Interest income recognized 150    
Residential Prime
      
With no related allowance recorded:      
Unpaid Principal 979 824  
Recorded Investment 866 824  
Average Recorded Investment 845 493  
Interest income recognized 14 9  
With an allowance recorded:      
Unpaid Principal 749 1,463  
Related allowance 101 277  
Recorded Investment 706 1,186  
Average Recorded Investment 1,085 1,384  
Interest income recognized 9 22  
Total      
Unpaid Principal 1,728 2,287  
Recorded Investment 1,572 2,010  
Average Recorded Investment 1,930 1,877  
Interest income recognized 23 31  
Residential HELOC
      
With no related allowance recorded:      
Unpaid Principal 110     
Recorded Investment 110     
Average Recorded Investment 55     
Interest income recognized 3 3  
With an allowance recorded:      
Unpaid Principal 412 506  
Related allowance 119 126  
Recorded Investment 400 380  
Average Recorded Investment 453 259  
Interest income recognized 5 15  
Total      
Unpaid Principal 522 506  
Recorded Investment 510 380  
Average Recorded Investment 508 259  
Interest income recognized 8 18  
Residential construction and development
      
With no related allowance recorded:      
Unpaid Principal       
Recorded Investment       
Average Recorded Investment       
Interest income recognized       
With an allowance recorded:      
Unpaid Principal 49 153  
Related allowance 8 4  
Recorded Investment 47 149  
Average Recorded Investment 106 129  
Interest income recognized 1 5  
Total      
Unpaid Principal 49 153  
Recorded Investment 47 149  
Average Recorded Investment 106 129  
Interest income recognized 1 5  
Consumer
      
With no related allowance recorded:      
Unpaid Principal       
Recorded Investment       
Average Recorded Investment       
Interest income recognized       
With an allowance recorded:      
Unpaid Principal 19 26  
Related allowance 18 26  
Recorded Investment 17     
Average Recorded Investment 22 27  
Interest income recognized    2  
Total      
Unpaid Principal 19 26  
Recorded Investment 17     
Average Recorded Investment 22 27  
Interest income recognized    $ 2  
XML 38 R25.htm IDEA: XBRL DOCUMENT v2.4.0.8
Income Taxes
 12 Months Ended
Dec. 31, 2013
Income Taxes  
Income Taxes
NOTE 17 Income Taxes

 

The components of the provision for income taxes are as follows:

 

   2013  2012  2011
          
Current income tax provision:               
Federal  $1,246   $1,600   $1,915 
State   450    535    606 
                
Total current   1,696    2,135    2,521 
                
Deferred income tax provision (benefit):               
Federal   (132)   330    (60)
State   99    70    (40)
                
Total deferred   (33)   400    (100)
                
Total provision for income taxes  $1,663   $2,535   $2,421 

 

A summary of the source of differences between income taxes at the federal statutory rate and the provision for income taxes for the years ended December 31 follows:

 

   2013  2012  2011
      Percent     Percent     Percent
      of     of     of
      Pretax     Pretax     Pretax
   Amount  Income  Amount  Income  Amount  Income
                   
Tax expense at statutory rate  $2,178    34.0   $2,905    34.0   $2,627    34.0 
Increase (decrease) in taxes resulting from:                              
Tax-exempt interest   (703)   (11.0)   (778)   (9.1)   (480)   (6.2)
Bank-owned life insurance   (137)   (2.1)   (138)   (1.6)   (141)   (1.8)
State income tax   362    5.7    399    4.7    374    4.8 
Merger-related expenses   0    0.0    73    1.0    0    0.0 
Other   (37)   (0.6)   74    1.0    41    0.5 
                               
Provision for income taxes  $1,663    26.0   $2,535    30.0   $2,421    31.3 

 

Deferred income taxes are provided for the temporary differences between the financial reporting basis and the tax basis of PSB’s assets and liabilities. The major components of the net deferred tax assets are as follows:

 

   2013  2012
       
Deferred tax assets:          
Allowance for loan losses  $2,579   $2,821 
Deferred compensation and directors’ fees   1,308    1,189 
Accrued interest receivable   0    125 
Foreclosed assets   352    228 
Interest rate swaps   171    273 
Other   223    141 
           
Gross deferred tax assets   4,633    4,777 
           
Deferred tax liabilities:          
Premises and equipment   769    864 
Mortgage servicing rights   673    521 
FHLB stock   120    240 
Unrealized gain on securities available for sale   400    1,190 
Deferred net loan origination costs   128    98 
Prepaid expenses   139    181 
           
Gross deferred tax liabilities   2,229    3,094 
           
Net deferred tax asset  $2,404   $1,683 

 

At December 31, 2013, federal tax returns remained open for Internal Revenue Service (IRS) review for tax years after 2009, while state tax returns remain open for review by state taxing authorities for tax years after 2008. There were no federal or state income tax audits being conducted at December 31, 2013.

 

The following table presents income tax effects on items of comprehensive income (loss) for the years ended December 31:

 

   2013  2012  2011
   Pretax  Income Tax  Pretax  Income Tax  Pretax  Income Tax
   Inc.(Exp.)  Exp.(Credit)  Inc.(Exp.)  Exp.(Credit)  Inc.(Exp.)  Exp.(Credit)
                   
Unrealized gain (loss) on securities                              
  available for sale  ($1,574)  ($613)  ($310)  ($119)  $180   $71 
Reclassification adjustment for net                              
  security gain included in net income   (12)   (5)   0    0    (32)   (13)
Amortization of unrealized gain on securities                              
  available for sale transferred to securities                              
  held to maturity included in net income   (420)   (184)   (452)   (178)   (516)   (168)
Unrealized gain (loss) on interest rate swap   75    29    (295)   (116)   (734)   (287)
Reclassification adjustment of interest rate                              
  swap settlements included in earnings   186    73    172    68    183    72 
                               
Totals  ($1,745)  ($700)  ($885)  ($345)  ($919)  ($325)
XML 39 R50.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements (Tables)
 12 Months Ended
Dec. 31, 2013
Fair Value Measurements Tables  
Schedule of significant unobservable inputs used to measure fair value

Significant unobservable inputs at December 31, 2013, used to measure fair value included:

 

Direct annual servicing cost per loan $57
Direct annual servicing cost per loan in process of foreclosure $500
Weighted average prepayment speed: CPR 26.17%
Weighted average prepayment speed: PSA 476.53%
Weighted average cash flow discount rate 7.92%
Asset reinvestment rate 4.00%
Short-term cost of funds 0.25%
Escrow inflation adjustment 1.00%
Servicing cost inflation adjustment 1.00%
Schedule of fair value measured on a recurring basis

Information regarding the fair value of assets and liabilities measured at fair value on a recurring basis as of December 31:

 

      Recurring Fair Value Measurements Using
      Quoted Prices      
      in Active  Significant   
   Assets and  Markets for  Other  Significant
   Liabilities  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
             
2013                    
Assets:                    
Securities available for sale:                    
U.S. Treasury and agency debentures  $999   $0   $999   $0 
U.S. agency issued residential MBS and CMO   59,390    0    59,390    0 
Privately issued residential MBS and CMO   105    0    105    0 
Obligations of states and political subdivisions   159    0    159    0 
Nonrated SBA loan fund   950    0    950    0 
Other equity securities   47    0    0    47 
                     
Total securities available for sale   61,650    0    61,603    47 
Loans held for sale   150    0    150    0 
Mortgage rate lock commitment   14    0    14    0 
Interest rate swap agreements   276    0    276    0 
                     
Total assets  $62,090   $0   $62,043   $47 
                     
Liabilities – Interest rate swap agreements  $714   $0   $714   $0 
                     
2012                    
Assets:                    
Securities available for sale:                    
U.S. Treasury and agency debentures  $10,027   $0   $10,027   $0 
U.S. agency issued residential MBS and CMO   59,640    0    59,640    0 
Privately issued residential MBS and CMO   173    0    173    0 
Nonrated commercial paper   5,500    0    5,500    0 
Other equity securities   47    0    0    47 
                     
Total securities available for sale   75,387    0    75,340    47 
Loans held for sale   884    0    884    0 
Mortgage rate lock commitments   91    0    91    0 
Interest rate swap agreements   673    0    673    0 
                     
Total assets  $77,035   $0   $76,988   $47 
                     
Liabilities – Interest rate swap agreements  $1,372   $0   $1,372   $0 

 
Reconciliation of fair value measurements using significant unobservable inputs

The reconciliation of fair value measurements using significant unobservable inputs during the years ended December 31 is as follows:

 

Balance at January 1, 2012:  $47 
Total realized/unrealized gains (losses):     
Included in earnings   0 
Included in other comprehensive income   0 
Purchases, maturities, and sales   0 
      
Balance at December 31, 2012  $47 
      
Total gains (losses) for the period included in earnings attributable to the change     
in unrealized gains or losses relating to assets still held at December 31, 2012  $0 
      
Balance at January 1, 2013:  $47 
Total realized/unrealized gains (losses):     
Included in earnings   0 
Included in other comprehensive income   0 
Purchases, maturities, and sales   0 
      
Balance at December 31, 2013  $47 
      
Total gains (losses) for the period included in earnings attributable to the change     
in unrealized gains or losses relating to assets still held at December 31, 2013  $0 
Schedule of fair value measured on a nonrecurring basis

Information regarding the fair value of assets and liabilities measured at fair value on a nonrecurring basis as of December 31 follows:

 

      Nonrecurring Fair Value Measurements Using
      Quoted Prices      
      in Active  Significant   
      Markets for  Other  Significant
   Assets  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
             
2013                    
Assets:                    
Impaired loans  $1,720   $0   $0   $1,720 
Foreclosed assets   1,750    0    792    958 
Mortgage servicing rights   1,696    0    0    1,696 
                     
Total assets  $5,166   $0   $792   $4,374 
                     
2012                    
Assets:                    
Impaired loans  $2,973   $0   $328   $2,645 
Foreclosed assets   1,774    0    752    1,022 
Mortgage servicing rights   1,233    0    0    1,233 
                     
Total assets  $5,980   $0   $1,080   $4,900 
                     

 
Schedule of carrying value and estimated fair values of Financial Instruments

The carrying amounts and fair values of PSB’s financial instruments consisted of the following:

 

   December 31, 2013
   Carrying  Estimated  Fair Value Hierarchy Level
   Amount  Fair Value  Level 1  Level 2  Level 3
                
                
Financial assets:                         
                          
Cash and cash equivalents  $31,522   $31,522   $31,522   $0   $0 
Securities   133,279    133,322    0    131,479    1,843 
Bank certificates of deposit   2,236    2,280    0    0    2,280 
Net loans receivable and loans held for sale   510,030    514,309    0    150    514,159 
Accrued interest receivable   2,076    2,076    0    0    2,076 
Mortgage servicing rights   1,696    1,696    0    0    1,696 
Mortgage rate lock commitments   14    14    0    14    0 
FHLB stock   2,556    2,556    0    0    2,556 
Cash surrender value of life insurance   12,826    12,826    0    12,826    0 
Interest rate swap agreements   276    276    0    276    0 
                          
Financial liabilities:                         
                          
Deposits  $577,514   $578,387   $0   $0   $578,387 
FHLB advances   38,049    38,511    0    38,511    0 
Other borrowings   20,441    21,251    0    14,364    6,887 
Senior subordinated notes   4,000    3,489    0    0    3,489 
Junior subordinated debentures   7,732    7,085    0    0    7,085 
Interest rate swap agreements   714    714    0    714    0 
Accrued interest payable   477    477    0    0    477 

 

   December 31, 2012
   Carrying  Estimated  Fair Value Hierarchy Level
   Amount  Fair Value  Level 1  Level 2  Level 3
                
                
Financial assets:                         
                          
Cash and cash equivalents  $48,847   $48,847   $48,847   $0   $0 
Securities   145,209    147,751    0    145,795    1,956 
Bank certificates of deposit   4,465    4,538    0    0    4,538 
Net loans receivable and loans held for sale   478,875    484,925    0    1,212    483,713 
Accrued interest receivable   2,157    2,157    0    0    2,157 
Mortgage servicing rights   1,233    1,233    0    0    1,233 
Mortgage rate lock commitments   91    91    0    91    0 
FHLB stock   2,506    2,506    0    0    2,506 
Cash surrender value of life insurance   11,813    11,813    0    11,813    0 
Interest rate swap agreements   673    673    0    673    0 
                          
Financial liabilities:                         
                          
Deposits  $565,442   $568,014   $0   $0   $568,014 
FHLB advances   50,124    51,590    0    51,590    0 
Other borrowings   20,728    22,118    0    14,890    7,228 
Senior subordinated notes   7,000    7,000    0    0    7,000 
Junior subordinated debentures   7,732    4,911    0    0    4,911 
Interest rate swap agreements   1,372    1,372    0    1,372    0 
Accrued interest payable   697    697    0    0    697 
XML 40 R42.htm IDEA: XBRL DOCUMENT v2.4.0.8
Federal Home Loan Bank Advances (Tables)
 12 Months Ended
Dec. 31, 2013
Federal Home Loan Bank Advances Tables  
Schedule of FHLB Advances
         Weighted   
   Scheduled  Range of  Average   
   Maturity  Rates  Rate  Amount
             
2013            
             
Fixed rate, interest only  2014  2.69%-3.45%  3.18%  $31,049 
Variable rate, interest only  2014  1.33%  1.33%   5,000 
Fixed rate, interest only  2018  1.92%  1.92%   2,000 
               
Totals        2.87%  $38,049 
               
2012              
               
Fixed rate, interest only  2013  2.58%-3.75%  3.09%  $8,075 
Variable rate, interest only  2013  1.13%  1.13%   6,000 
Fixed rate, interest only  2014  2.69%-3.45%  3.18%   31,049 
Variable rate, interest only  2014  1.40%  1.40%   5,000 
               
Totals        2.74%  $50,124 
XML 41 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
Foreclosed Assets (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Summary of activity in foreclosed assets      
Balance at beginning of year $ 1,774 $ 2,939 $ 4,967
Transfer of loans at net realizable value to foreclosed assets 1,342 1,295 1,006
Sale proceeds (831) (1,527) (987)
Loans made on sale of foreclosed assets (234) (490) (1,075)
Net gain from sale of foreclosed assets 105 42 20
Provision for write-down charged to operations (406) (485) (992)
Balance at end of year $ 1,750 $ 1,774 $ 2,939
XML 42 R97.htm IDEA: XBRL DOCUMENT v2.4.0.8
Self-Funded Health Insurance Plan (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Self-Funded Health Insurance Plan Details Narrative      
Self-funded Health Insurance Plan description PSB has established an employee medical benefit plan to self-insure claims up to $65 per year for each individual with no stop-loss per year for participants in the aggregate.    
Self-funded Health Insurance Plan liabilities outstanding $ 77 $ 84  
Health and dental insurance expense $ 1,130 $ 1,078 $ 852
XML 43 R37.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Tables)
 12 Months Ended
Dec. 31, 2013
Loans Tables  
Schedule of composition of loans categorized by the type of loan

The composition of loans at December 31 categorized by the type of the loan is as follows:

 

   2013  2012
         
Commercial, industrial, and municipal  $130,220   $132,633 
Commercial real estate mortgage   212,850    183,818 
Commercial construction and development   13,672    28,482 
Residential real estate mortgage   123,980    105,579 
Residential construction and development   18,277    15,247 
Residential real estate home equity   20,677    21,756 
Consumer and individual   3,567    4,715 
           
Subtotals – Gross loans   523,243    492,230 
Loans in process of disbursement   (6,895)   (7,039)
           
Subtotals – Disbursed loans   516,348    485,191 
Net deferred loan costs   315    231 
Allowance for loan losses   (6,783)   (7,431)
           
Net loans receivable  $509,880   $477,991 

 
Schedule of loans to executives and directors

Activity in such loans is summarized below:

 

   2013  2012
         
Loans outstanding at beginning  $7,371   $9,958 
New loans   3,519    4,485 
Repayments   (4,227)   (7,072)
           
Loans outstanding at end  $6,663   $7,371 
Schedule of impaired loans

The following is a summary of information pertaining to impaired loans and nonperforming loans:

   December 31, 
   2013  2012  2011
             
Impaired loans without a valuation allowance  $9,303   $3,410   $5,474 
Impaired loans with a valuation allowance   6,472    9,029    11,745 
                
Total impaired loans before valuation allowances   15,775    12,439    17,219 
Valuation allowance related to impaired loans   2,108    2,434    3,178 
                
Net impaired loans  $13,667   $10,005   $14,041 

 

   Years Ended December 31,
   2013  2012  2011
          
Average recorded investment, net of allowance for loan losses  $14,109   $12,026   $12,965 
                
Interest income recognized  $534   $569   $597 
                
Interest income recognized on a cash basis on impaired loans  $0   $0   $0 

 

The impaired loans at December 31, 2013 and 2012, and during the years then ended, by loan class, follows:

 

   2013
   Unpaid        Average  Interest
   Principal  Related  Recorded  Recorded  Income
   Balance  Allowance  Investment  Investment  Recognized
                
With no related allowance recorded:                         
                          
Commercial and industrial  $2,906   $0   $2,861   $2,172   $135 
Commercial real estate   2,555    0    2,376    1,740    85 
Commercial construction and development   1    0    0    0    0 
Agricultural   0    0    0    0    0 
Government   3,090    0    3,090    1,545    150 
Residential – Prime   979    0    866    845    14 
Residential – HELOC   110    0    110    55    3 
Residential construction and development   0    0    0    0    0 
Consumer   0    0    0    0    0 
                          
With an allowance recorded:                         
                          
Commercial and industrial  $2,231   $1,112   $1,999   $2,813   $43 
Commercial real estate   3,143    621    3,011    2,955    81 
Commercial construction and development   142    74    140    171    8 
Agricultural   152    55    152    153    0 
Residential – Prime   749    101    706    1,085    9 
Residential – HELOC   412    119    400    453    5 
Residential construction and development   49    8    47    106    1 
Consumer   19    18    17    22    0 
                          
Totals:                         
                          
Commercial and industrial  $5,137   $1,112   $4,860   $4,985   $178 
Commercial real estate   5,698    621    5,387    4,695    166 
Commercial construction and development   143    74    140    171    8 
Agricultural   152    55    152    153    0 
Government   3,090    0    3,090    1,545    150 
Residential – Prime   1,728    101    1,572    1,930    23 
Residential – HELOC   522    119    510    508    8 
Residential construction and development   49    8    47    106    1 
Consumer   19    18    17    22    0 

 

   2012
   Unpaid        Average  Interest
   Principal  Related  Recorded  Recorded  Income
   Balance  Allowance  Investment  Investment  Recognized
                
With no related allowance recorded:                         
                          
Commercial and industrial  $1,483   $0   $1,483   $1,545   $88 
Commercial real estate   1,103    0    1,103    2,405    194 
Commercial construction and development   0    0    0    0    33 
Residential – Prime   824    0    824    493    9 
Residential – HELOC   0    0    0    0    3 
                          
With an allowance recorded:                         
                          
Commercial and industrial  $3,626   $1,287   $2,339   $2,777   $62 
Commercial real estate   2,899    643    2,256    2,634    105 
Commercial construction and development   202    31    171    316    21 
Agricultural   154    40    114    57    10 
Residential – Prime   1,463    277    1,186    1,384    22 
Residential – HELOC   506    126    380    259    15 
Residential construction and development   153    4    149    129    5 
Consumer   26    26    0    27    2 
                          
Totals:                         
                          
Commercial and industrial  $5,109   $1,287   $3,822   $4,322   $150 
Commercial real estate   4,002    643    3,359    5,039    299 
Commercial construction and development   202    31    171    316    54 
Agricultural   154    40    114    57    10 
Residential – Prime   2,287    277    2,010    1,877    31 
Residential – HELOC   506    126    380    259    18 
Residential construction and development   153    4    149    129    5 
Consumer   26    26    0    27    2 
Schedule of allowance for loan losses

A summary analysis of the allowance for loan losses for the three years ended December 31 follows:

 

   2013  2012  2011
          
Balance, January 1  $7,431   $7,941   $7,960 
Provision charged to operating expense   4,015    785    1,390 
Recoveries on loans   80    37    178 
Loans charged off   (4,743)   (1,332)   (1,587)
                
Balance, December 31  $6,783   $7,431   $7,941 

 

Detailed allowance for loan losses activity for the years ended December 31, 2013, 2012, and 2011, follows:

 

   2013
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,014   $2,803   $1,511   $103   $0   $7,431 
Provision   3,435    (9)   556    33    0    4,015 
Recoveries   29    33    6    12    0    80 
Charge-offs   (3,650)   (174)   (850)   (69)   0    (4,743)
                               
Ending balance  $2,828   $2,653   $1,223   $79   $0   $6,783 
                               
Individually evaluated for impairment  $1,167   $695   $228   $18   $0   $2,108 
                               
Collectively evaluated for impairment  $1,661   $1,958   $995   $61   $0   $4,675 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $8,102   $5,527   $2,129   $17   $0   $15,775 
                               
Collectively evaluated for impairment  $122,118   $220,995   $160,805   $3,550   $0   $507,468 

 

 

   2012
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,406   $3,175   $1,242   $118   $0   $7,941 
Provision   (270)   142    877    36    0    785 
Recoveries   6    4    21    6    0    37 
Charge-offs   (128)   (518)   (629)   (57)   0    (1,332)
                               
Ending balance  $3,014   $2,803   $1,511   $103   $0   $7,431 
                               
Individually evaluated for impairment  $1,327   $674   $407   $26   $0   $2,434 
                               
Collectively evaluated for impairment  $1,687   $2,129   $1,104   $77   $0   $4,997 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $5,263   $4,204   $2,946   $26   $0   $12,439 
                               
Collectively evaluated for impairment  $127,370   $208,096   $139,636   $4,689   $0   $479,791 

 

 

   2011
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,862   $3,674   $211   $213   $0   $7,960 
Provision   245    (269)   1,398    16    0    1,390 
Recoveries   166    6    0    6    0    178 
Charge-offs   (867)   (236)   (367)   (117)   0    (1,587)
                               
Ending balance  $3,406   $3,175   $1,242   $118   $0   $7,941 
                               
Individually evaluated for impairment  $1,663   $885   $615   $15   $0   $3,178 
                               
Collectively evaluated for impairment  $1,743   $2,290   $627   $103   $0   $4,763 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $6,484   $8,063   $2,603   $69   $0   $17,219 
                               
Collectively evaluated for impairment  $120,708   $196,375   $112,123   $3,663   $0   $432,869 
Schedule of loans by credit exposure

The commercial credit exposure based on internally assigned credit grade at December 31, 2013 and 2012, follows:

 

   2013
      Commercial  Construction         
   Commercial  Real Estate  & Development  Agricultural  Government  Total
                   
High quality (risk rating 1)  $44   $0   $0   $0   $0   $44 
Minimal risk (2)   24,085    19,249    120    1,115    78    44,647 
Average risk (3)   51,745    145,673    8,863    2,563    6,512    215,356 
Acceptable risk (4)   26,395    34,154    2,917    424    357    64,247 
Watch risk (5)   8,146    7,572    1,632    0    0    17,350 
Substandard risk (6)   654    815    0    0    0    1,469 
Impaired loans (7)   4,860    5,387    140    152    3,090    13,629 
                               
Totals  $115,929   $212,850   $13,672   $4,254   $10,037   $356,742 

 

   2012
      Commercial  Construction         
   Commercial  Real Estate  & Development  Agricultural  Government  Total
                   
High quality (risk rating 1)  $38   $0   $0   $0   $0   $38 
Minimal risk (2)   16,360    20,193    305    559    1,575    38,992 
Average risk (3)   51,846    103,454    22,573    3,336    12,550    193,759 
Acceptable risk (4)   32,002    45,699    3,318    216    0    81,235 
Watch risk (5)   8,271    8,291    1,757    0    0    18,319 
Substandard risk (6)   617    2,179    327    0    0    3,123 
Impaired loans (7)   5,109    4,002    202    154    0    9,467 
                               
Totals  $114,243   $183,818   $28,482   $4,265   $14,125   $344,933 

 

The consumer credit exposure based on payment activity at December 31, 2013 and 2012, follows:

 

   2013
   Residential-  Residential-  Construction and      
   Prime  HELOC  Development  Consumer  Total
                
Performing  $122,408   $20,167   $18,230   $3,550   $164,355 
Impaired loans   1,572    510    47    17    2,146 
                          
Totals  $123,980   $20,677   $18,277   $3,567   $166,501 

 

   2012
   Residential-  Residential-  Construction and      
   Prime  HELOC  Development  Consumer  Total
                
Performing  $103,292   $21,250   $15,094   $4,689   $144,325 
Impaired loans   2,287    506    153    26    2,972 
                          
Totals  $105,579   $21,756   $15,247   $4,715   $147,297 

 
Schedule of payment age analysis of loans receivable

The payment age analysis of loans receivable disbursed at December 31, 2013 and 2012, follows:

 

   2013
   30-59  60-89  90+  Total     Total  90+ and
Loan Class  Days  Days  Days  Past Due  Current  Loans  Accruing
                      
Commercial:                                   
Commercial and industrial  $284   $57   $610   $951   $114,978   $115,929   $0 
Agricultural   0    0    152    152    4,102    4,254    0 
Government   0    0    0    0    10,037    10,037    0 
                                    
Commercial real estate:                                   
Commercial real estate   376    547    1,276    2,199    210,651    212,850    0 
Construction and development   0    0    0    0    11,434    11,434    0 
                                    
Residential real estate:                                   
Residential – Prime   369    87    335    791    123,189    123,980    0 
Residential – HELOC   45    14    314    373    20,304    20,677    0 
Construction and development   37    0    0    37    13,583    13,620    0 
                                    
Consumer   15    10    9    34    3,533    3,567    0 
                                    
Totals  $1,126   $715   $2,696   $4,537   $511,811   $516,348   $0 

 

   2012
   30-59  60-89  90+  Total     Total  90+ and
Loan Class  Days  Days  Days  Past Due  Current  Loans  Accruing
                      
Commercial:                                   
Commercial and industrial  $375   $83   $1,795   $2,253   $111,990   $114,243   $0 
Agricultural   0    154    0    154    4,111    4,265    0 
Government   0    0    0    0    14,125    14,125    0 
                                    
Commercial real estate:                                   
Commercial real estate   936    76    1,028    2,040    181,778    183,818    0 
Construction and development   0    20    0    20    25,340    25,360    0 
                                    
Residential real estate:                                   
Residential – Prime   950    274    1,344    2,568    103,011    105,579    0 
Residential – HELOC   64    0    335    399    21,357    21,756    0 
Construction and development   0    0    133    133    11,197    11,330    0 
                                    
Consumer   21    3    15    39    4,676    4,715    0 
                                    
Totals  $2,346   $610   $4,650   $7,606   $477,585   $485,191   $0 
Schedule of loans on nonaccrual status

The loans on nonaccrual status at December 31, follows:

 

   2013  2012
       
Commercial:          
Commercial and industrial  $1,575   $3,023 
Agricultural   152    154 
           
Commercial real estate:          
Commercial real estate   4,103    2,001 
Construction and development   17    1 
           
Residential real estate:          
Residential – Prime   1,059    2,021 
Residential – HELOC   387    365 
Construction and development   30    133 
           
Consumer   17    17 
           
Totals  $7,340   $7,715 
Schedule of modifications of troubled debt

The following table presents information concerning modifications of troubled debt made during 2013 and 20112:

 

         Postmodification
      Premodification  Outstanding
      Outstanding  Recorded
   Number of  Recorded  Investment
As of December 31, 2013  contracts  Investment  at Period-End
          
Commercial and industrial   7   $1,012   $642 
Commercial and real estate   5    587    564 
Residential real estate - Prime   5    867    852 

  

The following table outlines past troubled debt restructurings that subsequently defaulted during 2013 when the default occurred within 12 months of the last restructuring date. For purposes of this table, default is defined as 90 days or more past due on restructured payments.

 

   Number of  Recorded
   Contracts  Investment
Commercial and industrial   1    $ 0 
Commercial real estate   1    80 
Residential real estate - Prime   1    87 

 

         Postmodification
      Premodification  Outstanding
      Outstanding  Recorded
   Number of  Recorded  Investment
As of December 31, 2012  Contracts  Investment  at Period-End
Commercial and industrial   6   $661   $614 
Commercial and real estate   3    603    570 
Residential real estate - Prime   1    121    89 

  

The following table outlines past troubled debt restructurings that subsequently defaulted during 2012 when the default occurred within 12 months of the last restructuring date. For purposes of this table, default is defined as 90 days or more past due on restructured payments.

 

   Number of  Recorded
   Contracts  Investment
Commercial and industrial   2   $  0 
Commercial real estate   1    45 
XML 44 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
Summary of Quarterly Results (Tables)
 12 Months Ended
Dec. 31, 2013
Summary Of Quarterly Results Tables  
Schedule of Quarterly Results
   Three Months Ended
   March 31  June 30  September 30  December 31
             
2013                    
                     
Interest income  $6,624   $6,692   $6,772   $6,728 
Interest expense   1,423    1,375    1,350    1,363 
Net interest income   5,201    5,317    5,422    5,365 
Provision for loan losses   323    352    3,340    0 
Noninterest income   1,415    1,523    1,411    1,274 
Net income   1,609    1,561    13    1,561 
Basic earnings per share*   0.97    0.95    0.01    0.95 
Diluted earnings per share*   0.97    0.95    0.01    0.95 
                     
2012                    
                     
Interest income  $6,695   $6,679   $6,933   $6,937 
Interest expense   1,879    1,799    1,770    1,643 
Net interest income   4,816    4,880    5,163    5,294 
Provision for loan losses   160    165    0    460 
Noninterest income   1,242    2,323    1,444    1,559 
Net income   1,180    1,918    1,226    1,685 
Basic earnings per share*   0.70    1.15    0.74    1.01 
Diluted earnings per share*   0.70    1.15    0.74    1.01 
                     
2011                    
                     
Interest income  $7,043   $7,113   $7,095   $7,063 
Interest expense   2,279    2,247    2,228    2,003 
Net interest income   4,764    4,866    4,867    5,060 
Provision for loan losses   360    430    360    240 
Noninterest income   1,397    1,197    1,367    1,376 
Net income   1,285    1,226    1,394    1,400 
Basic earnings per share*   0.78    0.74    0.85    0.85 
Diluted earnings per share*   0.78    0.74    0.84    0.85 
XML 45 R67.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details 3) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Allowance for loan losses:      
Beginning Balance $ 7,431 $ 7,941 $ 7,960
Provision 4,015 785 1,390
Recoveries 80 37 178
Charge offs (4,743) (1,332) (1,587)
Ending balance 6,783 7,431 7,941
Individually evaluated for impairment 2,108 2,434 3,178
Collectively evaluated for impairment 4,675 4,997 4,763
Loans receivable (gross):      
Individually evaluated for impairment 15,775 12,439 17,219
Collectively evaluated for impairment 507,468 479,791 432,869
Commercial Loan
      
Allowance for loan losses:      
Beginning Balance 3,014 3,406 3,862
Provision 3,435 (270) 245
Recoveries 29 6 166
Charge offs (3,650) (128) (867)
Ending balance 2,828 3,014 3,406
Individually evaluated for impairment 1,167 1,327 1,663
Collectively evaluated for impairment 1,661 1,687 1,743
Loans receivable (gross):      
Individually evaluated for impairment 8,102 5,263 6,484
Collectively evaluated for impairment 122,118 127,370 120,708
Commercial Real Estate
      
Allowance for loan losses:      
Beginning Balance 2,803 3,175 3,674
Provision (9) 142 (269)
Recoveries 33 4 6
Charge offs (174) (518) (236)
Ending balance 2,653 2,803 3,175
Individually evaluated for impairment 695 674 885
Collectively evaluated for impairment 1,958 2,129 2,290
Loans receivable (gross):      
Individually evaluated for impairment 5,527 4,204 8,063
Collectively evaluated for impairment 220,995 208,096 196,375
Residential Real Estate
      
Allowance for loan losses:      
Beginning Balance 1,511 1,242 211
Provision 556 877 1,398
Recoveries 6 21   
Charge offs (850) (629) (367)
Ending balance 1,223 1,511 1,242
Individually evaluated for impairment 228 407 615
Collectively evaluated for impairment 995 1,104 627
Loans receivable (gross):      
Individually evaluated for impairment 2,129 2,946 2,603
Collectively evaluated for impairment 160,805 139,636 112,123
Consumer Loan
      
Allowance for loan losses:      
Beginning Balance 103 118 213
Provision 33 36 16
Recoveries 12 6 6
Charge offs (69) (57) (117)
Ending balance 79 103 118
Individually evaluated for impairment 18 26 15
Collectively evaluated for impairment 61 77 103
Loans receivable (gross):      
Individually evaluated for impairment 17 26 69
Collectively evaluated for impairment $ 3,550 $ 4,689 $ 3,663
XML 46 R111.htm IDEA: XBRL DOCUMENT v2.4.0.8
Restrictions on Retained Earnings (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Restrictions On Retained Earnings Details Narrative  
Restricted dividends, upper threshold $ 21,931
XML 47 R61.htm IDEA: XBRL DOCUMENT v2.4.0.8
Securities (Details 2) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Amortized cost:    
Due in one year or less     
Due after one year through five years 1,001  
Due after five years through ten years     
Due after ten years 159  
[AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost] 1,160  
Fair Value:    
Due in one year or less     
Due after one year through five years 999  
Due after five years through ten years     
Due after ten years 159  
[AvailableForSaleSecuritiesDebtMaturitiesFairValue] 1,158  
Amortized Cost:    
Due in one year or less 3,312  
Due after one year through five years 22,177  
Due after five years through ten years 39,678  
Due after ten years 6,462  
[us-gaap:HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis] 71,629  
Fair Value:    
Due in one year or less 3,322  
Due after one year through five years 22,564  
Due after five years through ten years 39,728  
Due after ten years 6,058  
[us-gaap:HeldToMaturitySecuritiesFairValue] 71,672 72,364
Mortgage-backed securities and collateralized mortgage obligations - available for sale amortized cost 59,488  
Mortgage-backed securities and collateralized mortgage obligations - available for sale fair value 59,495  
Total available for sale - amortized cost 60,648  
Total available for sale - fair value 60,653  
Total held to maturity - amortized cost 71,629  
Total held to maturity - fair value $ 71,672  
XML 48 R47.htm IDEA: XBRL DOCUMENT v2.4.0.8
Stock Based Compensation (Tables)
 12 Months Ended
Dec. 31, 2013
Stock Based Compensation Tables  
Schedule of restricted stock awards activity

The following table summarizes information regarding unvested restricted stock and shares outstanding during the three years ended December 31, 2013, 2012, and 2011.

 

   Unvested  Weighted Average
   Shares  Grant Value
       
January 1, 2011   19,452   $15.68 
Restricted shares granted   9,130    21.90 
Restricted shares vested   (3,010)   (16.62)
           
December 31, 2011   25,572    17.79 
Restricted shares granted   8,895    22.48 
Restricted shares vested   (4,058)   (16.08)
           
December 31, 2012   30,409    19.39 
Restricted shares granted   8,076    26.00 
Restricted shares vested   (5,883)   (17.85)
           
December 31, 2013   32,602   $21.30 
Schedule of future projected compensation expense

Future projected compensation expense (before tax benefits) assuming all restricted shares eventually vest to employees would be as follows:

 

2014  $146 
2015   137 
2016   122 
2017   82 
2018   42 
      
Total  $529 

 
Schedule of stock option activity

The following table summarizes information regarding stock option activity during the two years ended December 31, 2012.

 

      Weighted
      Average
   Shares  Price
       
January 1, 2011   3,827   $15.23 
Options granted   0    0.00 
Options exercised   (2,952)   15.09 
Option forfeited   (287)   15.08 
           
December 31, 2011   588    16.03 
Options granted   0    0.00 
Options exercised   (588)   16.03 
Option forfeited   0    0.00 
           
December 31, 2012   0   $0.00 
XML 49 R9.htm IDEA: XBRL DOCUMENT v2.4.0.8
Summary of Significant Accounting Policies
 12 Months Ended
Dec. 31, 2013
Summary Of Significant Accounting Policies  
Summary of Significant Accounting Policies
NOTE 1 Summary of Significant Accounting Policies

 

Principal Business Activity

 

PSB Holdings, Inc. operates Peoples State Bank (the “Bank”), a full-service financial institution chartered as a Wisconsin commercial bank with eight locations in a primary service area including, but not limited to, Marathon, Oneida, and Vilas counties in Wisconsin. PSB operates as a community bank and provides a variety of retail consumer and commercial banking products, including uninsured investment and insurance products, long-term fixed-rate residential mortgages, and commercial treasury management services.

 

Principles of Consolidation

 

The consolidated financial statements include the accounts of PSB Holdings, Inc. and its subsidiary, Peoples State Bank. Peoples State Bank owns and operates a Nevada subsidiary, PSB Investments, Inc., to manage the Bank’s investment securities. All significant intercompany balances and transactions have been eliminated. The accounting and reporting policies of PSB conform to accounting principles generally accepted in the United States (GAAP) and to the general practices within the banking industry. Any reference to “PSB” refers to the consolidated or individual operations of PSB Holdings, Inc. and its subsidiary, Peoples State Bank.

 

Use of Estimates in Preparation of Financial Statements

 

The preparation of the consolidated financial statements in conformity with GAAP requires management to make certain estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from those estimates. Estimates that are susceptible to significant change include the determination of the allowance for loan losses, mortgage servicing rights assets, and the valuation of investment securities.

 

Cash Equivalents

 

For purposes of reporting cash flows in the consolidated financial statements, cash and cash equivalents include cash and due from banks, interest-bearing deposits and money market funds, and federal funds sold, all of which have original maturities of three months or less.

 

Securities

 

Securities are assigned an appropriate classification at the time of purchase in accordance with management’s intent. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and recorded at amortized cost. Amortization of the net unrealized gain on securities held to maturity that were transferred from securities available for sale is recognized in other comprehensive income using the interest method over the estimated lives of the securities. Amortization of premiums and accretion of discounts on purchased securities held to maturity is recognized in interest income using the interest method over the estimated lives of the securities. Trading securities include those securities bought and held principally for the purpose of selling them in the near future. PSB has no trading securities. Securities not classified as either securities held to maturity or trading securities are considered available for sale and reported at fair value determined from estimates of brokers or other sources. Unrealized gains and losses are excluded from earnings but are reported as other comprehensive income, net of income tax effects. Amortization of premiums and accretion of discounts is recognized in interest income using the interest method over the estimated lives of the securities.

 

Gains and losses on the sale of securities are recorded on the trade date and determined using the specific-identification method.

 

Declines in fair value of securities that are deemed to be other than temporary, if applicable, are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers the length of time and the extent to which fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of PSB to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.

 

Loans Held for Sale

 

PSB sells substantially all 20- and 30-year long-term fixed-rate single-family mortgage loans and the majority of 15-year fixed-rate mortgage loans it originates to the secondary market. The gain or loss associated with sales of single-family mortgage loans is recorded as a component of mortgage banking revenue.

 

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are recognized through a valuation allowance by charges to income. Gains and losses on the sale of loans held for sale are determined using the specific identification method using quoted market prices.

 

In sales of mortgage loans to the Federal Home Loan Bank (FHLB) prior to 2009, PSB retained a secondary portion of the credit risk on the underlying loans in exchange for a credit enhancement fee. When applicable, PSB records a recourse liability to provide for potential credit losses. PSB also provides representations and warranties regarding originated loans sold to secondary market buyers including the FHLB and the Federal National Mortgage Association (FNMA). These representations and warranties can lead to additional credit risk for which PSB records a recourse liability. Because the loans involved in these transactions are similar to those in PSB’s loans held for investment, the review of the adequacy of the recourse liability is similar to the review of the adequacy of the allowance for loan losses (refer to “Allowance for Loan Losses”).

 

Loans

 

Loans that management has the intent to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest on loans is credited to income as earned. Interest income is not accrued on loans where management has determined collection of such interest is doubtful or those loans which are past due 90 days or more as to principal or interest payments. When a loan is placed on nonaccrual status, previously accrued but unpaid interest deemed uncollectible is reversed and charged against current income. After being placed on nonaccrual status, additional income is recorded only to the extent that payments are received and the collection of principal becomes reasonably assured. Interest income recognition on loans considered to be impaired is consistent with the recognition on all other loans.

 

Loan origination fees and certain direct loan origination costs are deferred and recognized as an adjustment of the related loan yield using the interest method.

 

Allowance for Loan Losses

 

The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when management believes the collectibility of the principal is unlikely.

 

Management maintains the allowance for loan losses at a level to cover probable credit losses relating to specifically identified loans, as well as probable credit losses inherent in the balance of the loan portfolio. In accordance with current accounting standards, the allowance is provided for losses that have been incurred based on events that have occurred as of the balance sheet date. The allowance is based on past events and current economic conditions and does not include the effects of expected losses on specific loans or groups of loans that are related to future events or expected changes in economic conditions. While management uses the best information available to make its evaluation, future adjustments to the allowance may be necessary if there are significant changes in economic conditions.

 

The allowance for loan losses includes specific allowances related to loans which have been judged to be impaired. A loan is impaired when, based on current information, it is probable that PSB will not collect all amounts due in accordance with the contractual terms of the loan agreement. Management has determined that all loans that have a nonaccrual status or have had their terms restructured, meet this definition. Loans currently maintained on accrual status but expected to be placed on nonaccrual or have their terms restructured in the near term are also considered impaired. Large groups of homogeneous loans, such as mortgage and consumer loans, are not collectively evaluated for impairment. Specific allowances on impaired loans are based on discounted cash flows of expected future payments using the loan’s initial effective interest rate or the fair value of the collateral if the loan is collateral dependent.

 

In addition, various regulatory agencies periodically review the allowance for loan losses. These agencies may require PSB to make additions to the allowance for loan losses based on their judgments of collectibility resulting from information available to them at the time of their examination.

 

Foreclosed Assets

 

Real estate and other property acquired through, or in lieu of, loan foreclosure are initially recorded at fair value (after deducting estimated costs to sell) at the date of foreclosure, establishing a new cost basis. Costs related to development and improvement of property are capitalized, whereas costs related to holding property are expensed. After foreclosure, valuations are periodically performed by management, and the real estate or other property is carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in any valuation allowance are included in loss on foreclosed assets.

 

Premises and Equipment

 

Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is computed principally on the straight-line method and is based on the estimated useful lives of the assets varying primarily from 15 to 40 years on buildings, 5 to 10 years on furniture and equipment, and 3 years on computer hardware and software. Maintenance and repair costs are charged to expense as incurred. Gains or losses on disposition of property and equipment are reflected in income.

 

Mortgage Servicing Rights

 

PSB services the single-family mortgages it sells to the FHLB and FNMA. Servicing mortgage loans includes such functions as collecting monthly payments of principal and interest from borrowers, passing such payments through to third-party investors, maintaining escrow accounts for taxes and insurance, and making such payments when they are due. When necessary, servicing mortgage loans also includes functions related to the collection of delinquent principal and interest payments, loan foreclosure proceedings, and disposition of foreclosed real estate. PSB generally earns a servicing fee of 25 basis points on the outstanding loan balance for performing these services as well as fees and interest income from ancillary sources such as delinquency charges and payment float. Servicing fee income is recorded as a component of mortgage banking revenue, net of the amortization and charges described in the following paragraphs.

 

PSB records originated mortgage servicing rights (OMSR) as a component of mortgage banking income when the obligation to service such loans has been retained. The initial value recorded for OMSR is based on the fair values of the servicing fee adjusted for expected future costs to service the loans, as well as income and fees expected to be received from ancillary sources, as previously described. The carrying value of OMSR is amortized against service fee income in proportion to estimated gross servicing revenues, net of estimated costs of servicing, adjusted for expected prepayments. In addition to this periodic amortization, the carrying value of OMSR associated with loans that actually prepay is also charged against servicing fee income as amortization. During periods of falling long-term interest rates, prepayments would likely accelerate, increasing amortization of existing OMSR against servicing fee income, and impair the value of OMSR as described below.

 

The carrying value of OMSR recorded in PSB’s consolidated balance sheets (“mortgage servicing rights” or MSRs) is subject to impairment because of changes in loan prepayment expectations and in market discount rates used to value the future cash flows associated with such assets. In valuing MSRs, PSB stratifies the loans by year of origination, term of the loan, and range of interest rates within each term. If, based on a periodic evaluation, the estimated fair value of the MSRs related to a particular stratum is determined to be less than its carrying value, a valuation allowance is recorded against such stratum and against PSB’s loan servicing fee income, which is included as a component of mortgage banking revenue. If the periodic evaluation of impairment calls for a valuation allowance less than currently recorded, the decrease in the valuation allowance is recaptured, offsetting amortization from loan prepayments during the period and increasing mortgage banking revenue. The valuation allowance is calculated using the current outstanding principal balance of the related loans, long-term prepayment assumptions as provided by independent sources, a market-based discount rate, and other management assumptions related to future costs to service the loans, as well as ancillary sources of income.

 

Federal Home Loan Bank Stock

 

As a member of the FHLB system, PSB is required to hold stock in the FHLB of Chicago based on the level of borrowings advanced to PSB. This stock is recorded at cost, which approximates fair value. The stock is evaluated for impairment on an annual basis. Transfer of the stock is substantially restricted.

 

Bank-Owned Life Insurance

 

PSB has purchased life insurance policies on certain officers. Bank-owned life insurance is recorded at its cash surrender value. Changes in cash surrender value are recorded in other income.

 

Retirement Plans

 

PSB maintains a defined contribution 401(k) profit sharing plan which covers substantially all full-time employees.

 

Income Taxes

 

Deferred income taxes have been provided under the liability method. Deferred tax assets and liabilities are determined based on the difference between the financial statement and tax bases of assets and liabilities as measured by the enacted tax rates which will be in effect when these differences are expected to reverse. Deferred tax expense is the result of changes in the deferred tax asset and liability and is a component of the provision for income taxes.

 

PSB may also recognize a liability for unrecognized tax benefits from uncertain tax positions. Unrecognized tax benefits represent the difference between a tax position taken or expected to be taken in a tax return and the benefit recognized and measured in the financial statements. Interest and penalties related to unrecognized benefits are recorded as additional income tax expense.

 

Advertising and Promotional Costs

 

Costs relating to PSB’s advertising and promotion are generally expensed when paid.

 

Derivative Instruments and Hedging Activities

 

All derivative instruments are recorded at their fair values. If derivative instruments are designated as hedges of fair values, both the change in the fair value of the hedge and the hedged item are included in current earnings. Fair value adjustments related to cash flow hedges are recorded in other comprehensive income and reclassified to earnings when the hedged transaction is reflected in earnings. Ineffective portions of hedges are reflected in income. The fair value of derivative instruments is not offset against cash collateral paid to secure those instruments but is reflected as gross amounts outstanding on the consolidated balance sheets.

 

Rate Lock Commitments

 

PSB enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. Rate lock commitments are recorded at fair value at period-end and classified as other assets on the consolidated balance sheets. Changes in the fair value of rate lock commitments during the period are reflected in the current period’s income statement as mortgage banking income. The fair value of rate lock commitments includes the estimated gain on sale of the loan to the secondary market agency plus the estimated value of OMSR on loans expected to be closed.

 

Fair Values of Financial Instruments

 

Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 23. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. The fair value estimates of existing on- and off-balance-sheet financial instruments do not include the value of anticipated future business or the values of assets and liabilities not considered financial instruments.

 

Segment Information

 

PSB, through the branch network of its banking subsidiary, provides a full range of consumer and commercial banking services to individuals, businesses, governments, and farms in northcentral Wisconsin. These services include demand, time, and savings deposits; safe deposit services; debit and credit cards; notary services; night depository; money orders, traveler’s checks, and cashier’s checks; savings bonds; secured and unsecured consumer, commercial, and real estate loans; ATM processing; cash management; and wealth management. While PSB’s chief decision makers monitor the revenue streams of various PSB products and services, operations are managed and financial performance is evaluated on a companywide basis. Accordingly, all of PSB’s banking operations are considered by management to be aggregated in one reportable operating segment.

 

Stock-Based Compensation

 

PSB uses the fair value based method of accounting for employee stock compensation plans, whereby compensation cost is measured at the grant date based on the value of the award and is recognized as expense over the service period, which is normally the vesting period.

 

Accumulated Other Comprehensive Income (Loss)

 

PSB’s accumulated other comprehensive income (loss) is composed of the unrealized gain (loss) on securities available for sale, net of tax, unrealized gain (loss) on interest rate swaps used for cash flow hedges after reclassification of settlements of the hedged item, net of tax, and unamortized unrealized gain on securities transferred to securities held to maturity from securities available for sale, net of tax, and is shown on the consolidated statements of comprehensive income.

 

Current Accounting Changes

 

Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) Topic 210, Balance Sheet. In January 2013, clarifications were issued of new authoritative accounting guidance first issued in December 2011 concerning disclosure of information about offsetting and related arrangements associated with derivative instruments. The clarifications and originally issued guidance require additional disclosures associated with offsetting and collateral arrangements with derivative instruments to enable users of PSB's financial statements to understand the effect of those arrangements on its financial position beginning March 31, 2013. These new disclosures were added as necessary during the quarter ended March 31, 2013, and did not have a significant impact to the reporting of PSB's financial results upon adoption.

 

FASB ASC Topic 220, Comprehensive Income. In February 2013, new authoritative accounting guidance was issued which required PSB to report the effect of significant reclassifications out of accumulated other comprehensive income in a footnote to the financial statements. The disclosure was effective beginning March 31, 2013 on a prospective basis. The change did not have a significant impact on PSB's financial reporting or results of operations upon adoption.

 

FASB ASC Topic 220, Comprehensive Income. In June 2011, new authoritative accounting guidance was approved that required changes to the presentation of comprehensive net income. Effective during the quarter ended March 31, 2012, PSB began to present comprehensive income as a separate financial statement directly after the basic income statement. Adoption of the new presentation standards for comprehensive income did not have any financial impact to PSB's financial results or operations.

 

FASB ASC Topic 310, Receivables. New authoritative accounting guidance issued in July 2010 under ASC Topic 310, Receivables, required extensive new disclosures surrounding the allowance for loan losses, although it did not change any credit loss recognition or measurement rules. The new rules require disclosures to include a breakdown of allowance for loan loss activity by portfolio segment as well as problem loan disclosures by detailed class of loan. In addition, disclosures on internal credit grading metrics and information on impaired, nonaccrual, and restructured loans are also required. The period-end disclosures were effective for financial periods ended December 31, 2010, but deferred presentation of loan loss allowance by loan portfolio segment until the quarter ended March 31, 2011. PSB adopted the rules for loan loss allowance disclosures by loan segment effective March 31, 2011.

 

In April 2011, new authoritative accounting guidance concerning a creditor’s determination of whether a loan restructuring is a troubled debt restructuring was issued under ASC Topic 310, Receivables. The amendments clarified existing guidance concerning the creditor’s evaluation of whether it has granted a concession and whether the concession was to a borrower experiencing financial difficulties. The guidance clarified that a troubled debt restructuring includes modifications to a borrower experiencing financial difficulties that did not otherwise have access to funds at a market rate for debt with similar risk characteristics as the restructured debt. In addition, a creditor may conclude that a debtor is experiencing financial difficulties even though the debtor is not currently in payment default if the debtor would be in default on any of its debt in the foreseeable future without loan modification. The clarifying guidance is expected to result in more consistent application of required accounting and disclosure for troubled debt restructurings. These amendments were adopted by PSB during the quarter ended September 30, 2011, and applied retrospectively to loans restructured since January 1, 2011. PSB did not incur a change to measurement of impairment from retrospective application of these amendments to loans restructured since January 1, 2011.

 

FASB ASC Topic 805, Business Combinations. In October 2012, new authoritative accounting guidance was issued that addressed accounting for an indemnification asset acquired as a result of a government-assisted acquisition of a financial institution when a subsequent change in cash flows expected to be collected is identified. After identification of the new cash flows, the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as accounting for the change in the assets subject to the indemnification. Amortization of these changes in value is limited to the remaining contractual term of the indemnification agreement. These new rules became effective for changes in cash flows identified beginning January 1, 2013. Adoption of this new guidance did not have an impact on PSB's financial statements.

 

FASB ASC Topic 805, Business Combinations. In December 2010, new authoritative guidance was approved that clarified the disclosure of revenue and earnings of an acquired entity with the combined entity as if the combination occurred as of the beginning of the year. Specifically, if comparative financial statements are presented, the combined entity should disclose revenue and earnings of the combined entity as though the business combination that occurred during the current year had occurred as of the beginning of the comparable prior annual reporting period only. The guidance was effective for combinations occurring after January 1, 2011. Adoption of this standard did not have a significant impact on PSB’s financial reporting.

 

FASB ASC Topic 820, Fair Value Measurements. In May 2011, new authoritative accounting guidance concerning fair value measurements was issued. Significant provisions of the new guidance now require both domestic and international companies to follow existing United States guidance in measuring fair value. In addition, certain Level 3 unobservable inputs and impacts to fair value from sensitivity of these inputs to changes must be disclosed. Lastly, the level of fair value hierarchy used to estimate fair value of financial instruments not accounted for at fair value on the balance sheet (such as loans receivable and deposits) must be disclosed. These new disclosures were adopted during the quarter ended March 31, 2012, and did not have a significant impact to PSB financial reporting or operations.

 

Reclassifications

 

Certain prior year balances have been reclassified to conform to the current year presentation.

 

Subsequent Events

 

Management has reviewed PSB’s operations for potential disclosure of information or financial statement impacts related to events occurring after December 31, 2013, but prior to the release of these financial statements. A description of an agreement to purchase branch net assets made January 22, 2014, is described in Note 2.
XML 50 R116.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements (Details 3) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Fair Value Assets Measured on a Nonrecurring Basis        
Foreclosed Assets $ 1,750 $ 1,774 $ 2,939 $ 4,967
Mortgage servicing rights 1,696 1,233 1,205 1,100
Nonrecurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
        
Fair Value Assets Measured on a Nonrecurring Basis        
Impaired loans          
Foreclosed Assets          
Mortgage servicing rights          
Total assets          
Nonrecurring | Siginficant Other Observable Inputs (Level 2)
        
Fair Value Assets Measured on a Nonrecurring Basis        
Impaired loans    328    
Foreclosed Assets 792 752    
Mortgage servicing rights          
Total assets 792 1,080    
Nonrecurring | Significant Unobservable Inputs (Level 3)
        
Fair Value Assets Measured on a Nonrecurring Basis        
Impaired loans 1,720 2,645    
Foreclosed Assets 958 1,022    
Mortgage servicing rights 1,696 1,233    
Total assets 4,374 4,900    
Nonrecurring | Estimate of Fair Value, Fair Value Disclosure
        
Fair Value Assets Measured on a Nonrecurring Basis        
Impaired loans 1,720 2,973    
Foreclosed Assets 1,750 1,774    
Mortgage servicing rights 1,696 1,233    
Total assets $ 5,166 $ 5,980    
XML 51 R62.htm IDEA: XBRL DOCUMENT v2.4.0.8
Securities (Details 3) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Expected amortization of the remaining unrealized gain  
2014 $ 335
2015 274
2016 194
2017 115
2018 68
Thereafter 44
Total $ 1,030
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Other Borrowings (Tables)
 12 Months Ended
Dec. 31, 2013
Other Borrowings Tables  
Schedule of other borrowings

Other borrowings consist of the following obligations at December 31 as follows:

 

   2013  2012
       
Short-term repurchase agreements  $5,441   $7,228 
Bank stock term loan   1,500    0 
Wholesale structured repurchase agreements   13,500    13,500 
           
Total other borrowings  $20,441   $20,728 

 

The following information relates to securities sold under repurchase agreements for the years ended December 31:

 

   2013  2012
       
As of end of year:          
Weighted average rate   3.08%    2.81% 
For the year:          
Highest month-end balance  $24,100   $20,728 
Daily average balance  $21,862   $19,190 
Weighted average rate   2.97%    3.11% 

 

The following information relates to the terms of wholesale structured repurchase agreements issued at December 31, 2013:

 

Maturity Date  Current Rate  Amount
       
November 1, 2014  4.335%  $8,000 
November 1, 2017  4.090%   5,500 
         
Totals  4.235%  $13,500 
XML 54 R29.htm IDEA: XBRL DOCUMENT v2.4.0.8
Earnings Per Share
 12 Months Ended
Dec. 31, 2013
Earnings Per Share [Abstract]  
Earnings Per Share
NOTE 21 Earnings Per Share

 

Basic earnings per share of common stock are based on the weighted average number of common shares outstanding during the period. Unvested but issued restricted shares are considered to be outstanding shares and used to calculate the weighted average number of shares outstanding and determine net book value per share. Diluted earnings per share is calculated by dividing net income by the weighted average number of shares adjusted for the dilutive effect of outstanding stock options. On June 19, 2012, PSB declared a 5% stock dividend to shareholders of record July 16, 2012, which was paid in the form of additional common stock on July 30, 2012. All references in the accompanying consolidated financial statements and footnotes to the number of common shares and per share amounts have been restated to reflect the 5% stock dividend for all periods shown. The computation of earnings per share for the years ended December 31 is as follows:

 

   2013  2012  2011
          
Weighted average shares outstanding   1,652,700    1,663,147    1,652,861 
Effect of dilutive stock options outstanding   0    58    858 
                
Diluted weighted average shares outstanding   1,652,700    1,663,205    1,653,719 
                
Basic earnings per share  $2.87   $3.61   $3.21 
                
Diluted earnings per share  $2.87   $3.61   $3.21 
XML 55 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
Capital Requirements
 12 Months Ended
Dec. 31, 2013
Capital Requirements  
Capital Requirements
NOTE 20 Capital Requirements

 

PSB and the Bank are subject to various regulatory capital requirements administered by the federal and state banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory—and possibly additional discretionary—actions by regulators that, if undertaken, could have a direct material effect on PSB’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, PSB and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

Quantitative measures established by regulation to ensure capital adequacy require PSB and the Bank to maintain minimum amounts and ratios (set forth in the following table) of total and Tier I capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier I capital (as defined) to average assets (as defined). Management believes, as of December 31, 2013, PSB and the Bank meet all capital adequacy requirements.

 

As of December 31, 2013, the most recent regulatory financial report categorized the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Bank’s category.

 

PSB’s and the Bank’s actual and regulatory capital amounts and ratios are as follows:

 

               To Be Well-
               Capitalized Under
         For Capital  Prompt Corrective
   Actual  Adequacy Purposes  Action Provisions
   Amount  Ratio  Amount  Ratio  Amount  Ratio
                   
As of December 31, 2013:                              
Total capital (to risk weighted assets):                              
Consolidated  $70,048    13.88%   $40,365    8.00%    N/A      N/A   
Peoples State Bank  $72,321    14.35%   $40,312    8.00%   $50,390    10.00% 
                               
Tier I capital (to risk weighted assets):                              
Consolidated  $63,734    12.63%   $20,182    4.00%    N/A      N/A   
Peoples State Bank  $66,015    13.10%   $20,156    4.00%   $30,234    6.00% 
                               
Tier I capital (to average assets):                              
Consolidated  $63,734    9.06%   $28,130    4.00%    N/A      N/A   
Peoples State Bank  $66,015    9.39%   $28,130    4.00%   $35,163    5.00% 
                               
As of December 31, 2012:                              
Total capital (to risk weighted assets):                              
Consolidated  $73,636    14.87%   $39,615    8.00%    N/A      N/A   
Peoples State Bank  $71,032    14.36%   $39,572    8.00%   $49,465    10.00% 
                               
Tier I capital (to risk weighted assets):                              
Consolidated  $60,430    12.20%   $19,813    4.00%    N/A      N/A   
Peoples State Bank  $64,834    13.11%   $19,782    4.00%   $29,672    6.00% 
                               
Tier I capital (to average assets):                              
Consolidated  $60,430    8.76%   $27,594    4.00%    N/A      N/A   
Peoples State Bank  $64,834    9.35%   $27,736    4.00%   $34,671    5.00% 
XML 56 R100.htm IDEA: XBRL DOCUMENT v2.4.0.8
Income Taxes (Details 2) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Deferred Tax assets:    
Allowance for loan losses $ 2,579 $ 2,821
Deferred compensation and directors' fees 1,308 1,189
Accrued Interest Receivable    125
Foreclosed assets 352 228
Interest Rate Swaps 171 273
Other 223 141
Gross deferred tax assets 4,633 4,777
Deferred tax liabilities:    
Premises and equipment 769 864
Mortgage servicing rights 673 521
FHLB stock 120 240
Unrealized gain on securities available for sale 400 1,190
Deferred net loan origination costs 128 98
Prepaid expenses 139 181
Gross deferred tax liabilities 2,229 3,094
Net deferred tax asset $ 2,404 $ 1,683
XML 57 R56.htm IDEA: XBRL DOCUMENT v2.4.0.8
Merger and Acquisition Activity (Details 1) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Pro Forma with Marathon State Bank  
Net Interest Income $ 20,828
Noninterest Income 6,586
Net Income 6,055
Earnings Per Share $ 3.64
PSB Holdings, Inc.
  
Pro Forma with Marathon State Bank  
Net Interest Income 19,670
Noninterest Income 5,706
Net Income 5,587
Earnings Per Share $ 3.36
Marathon State Bank
  
Pro Forma with Marathon State Bank  
Net Interest Income 1,158
Noninterest Income 880
Net Income $ 468
Earnings Per Share $ 0.28
XML 58 R44.htm IDEA: XBRL DOCUMENT v2.4.0.8
Derivative Instruments and Hedging Activities (Tables)
 12 Months Ended
Dec. 31, 2013
Derivative Instruments And Hedging Activities Tables  
Schedule of Interest Rate Swaps

As of December 31, PSB had the following outstanding interest rate swap that was entered into to hedge variable-rate debt:

 

   2013  2012
       
Notional amount  $7,500  $7,500
Pay fixed rate  2.72%  2.72%
Receive variable rate  0.24%  0.31%
Maturity  9/15/2017  9/15/2017
Unrealized loss (fair value)  $438  $699

  

At December 31, the following floating interest rate swaps were outstanding with customers:

 

   2013  2012
       
Notional amount  $14,323  $14,979 
Receive fixed rate (average)  2.00%   1.99% 
Pay variable rate (average)  0.17%   0.21% 
Maturity  3/2015-10/2021   3/2015-10/2021 
Weighted average remaining term  2.9 years   3.9 years 
Unrealized gain fair value  $276  $673 

 

At December 31, the following offsetting fixed interest rate swaps were outstanding with correspondent banks:

 

   2013  2012
       
Notional amount  $14,323  $14,979
Pay fixed rate (average)  2.00%  1.99%
Receive variable rate (average)  0.17%  0.21%
Maturity  3/2015-10/2021  3/2015-10/2021
Weighted average remaining term  2.9 years  3.9 years
Unrealized loss fair value  ($276)  ($673)
XML 59 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
Restrictions on Retained Earnings
 12 Months Ended
Dec. 31, 2013
Restrictions On Retained Earnings  
Restrictions on Retained Earnings
NOTE 22 Restrictions on Retained Earnings

 

The Bank is restricted by banking regulations from making dividend distributions above prescribed amounts and is limited in making loans and advances to PSB. At December 31, 2013, management believes that maintaining the regulatory framework of the Bank at the well-capitalized level will effectively restrict potential dividends from the Bank to an amount less than $21,931. Furthermore, any Bank dividend distributions to PSB above customary levels are subject to approval by the FDIC, the Bank’s primary federal regulator, and the Wisconsin Department of Financial Institutions, the Bank’s primary state regulator. Because 2012 Bank dividends paid to PSB exceeded 2012 Bank net income, the Bank may not pay dividends to PSB in excess of net income during 2013 or 2014, without prior approval.
XML 60 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements
 12 Months Ended
Dec. 31, 2013
Fair Value Measurements  
Fair Value Measurements
NOTE 23 Fair Value Measurements

 

Certain assets and liabilities are recorded or disclosed at fair value to provide financial statement users additional insight into PSB’s quality of earnings. Under current accounting guidance, PSB groups assets and liabilities which are recorded at fair value in three levels based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement (with Level 1 considered highest and Level 3 considered lowest). All transfers between levels are recognized as occurring at the end of the reporting period.

 

Following is a brief description of each level of the fair value hierarchy:

 

Level 1 – Fair value measurement is based on quoted prices for identical assets or liabilities in active markets.

 

Level 2 – Fair value measurement is based on (1) quoted prices for similar assets or liabilities in active markets; (2) quoted prices for identical or similar assets or liabilities in markets that are not active; or (3) valuation models and methodologies for which all significant assumptions are or can be corroborated by observable market data.

 

Level 3 – Fair value measurement is based on valuation models and methodologies that incorporate at least one significant assumption that cannot be corroborated by observable market data. Level 3 measurements reflect PSB’s estimates about assumptions market participants would use in measuring fair value of the asset or liability.

 

Some assets and liabilities, such as securities available for sale, loans held for sale, mortgage rate lock commitments, and interest rate swaps, are measured at fair value on a recurring basis under GAAP. Other assets and liabilities, such as impaired loans, foreclosed assets, and mortgage servicing rights are measured at fair value on a nonrecurring basis.

 

Following is a description of the valuation methodology used for each asset and liability measured at fair value on a recurring or nonrecurring basis, as well as the classification of the asset or liability within the fair value hierarchy.

 

Securities available for sale – Securities available for sale may be classified as Level 1, Level 2, or Level 3 measurements within the fair value hierarchy and are measured on a recurring basis. Level 1 securities include equity securities traded on a national exchange. The fair value measurement of a Level 1 security is based on the quoted price of the security. Level 2 securities include U.S. government and agency securities, obligations of states and political subdivisions, corporate debt securities, and mortgage-related securities. The fair value measurement of a Level 2 security is obtained from an independent pricing service and is based on recent sales of similar securities and other observable market data and represents a market approach to fair value.

 

Nonrated commercial paper is not traded on an active market. However, the original term of each investment is 60 days or less and carries a market rate of interest adjusted for risk. Due to the absence of credit concerns and the short duration, historical cost is assumed to approximate fair value of this investment.

 

At December 31, 2013 and 2012, Level 3 securities include a common stock investment in Bankers’ Bank, Madison, Wisconsin, that is not traded on an active market. Historical cost of the common stock is assumed to approximate fair value of this investment.

 

Loans held for sale – Loans held for sale in the secondary market are carried at the lower of aggregate cost or estimated fair value and are measured on a recurring basis. The fair value measurement of a loan held for sale is based on current secondary market prices for similar loans, which is considered a Level 2 measurement and represents a market approach to fair value.

 

Impaired loans – Loans are not measured at fair value on a recurring basis. Carrying value of impaired loans that are not collateral dependent are based on the present value of expected future cash flows discounted at the applicable effective interest rate and, thus, are not fair value measurements. However, impaired loans considered to be collateral dependent are measured at fair value on a nonrecurring basis. The fair value measurement of an impaired loan that is collateral dependent is based on the fair value of the underlying collateral. Fair value measurements of underlying collateral that utilize observable market data, such as independent appraisals reflecting recent comparable sales, are considered Level 2 measurements. Other fair value measurements that incorporate internal collateral appraisals or broker price opinions, net of selling costs, or estimated assumptions market participants would use to measure fair value, such as discounted cash flow measurements, are considered Level 3 measurements and represent a market approach to fair value.

 

In the absence of a recent independent appraisal, collateral dependent impaired loans are valued based on a recent broker price opinion generally discounted by 10% plus estimated selling costs. In the absence of a broker price opinion, collateral dependent impaired loans are valued at the lower of last appraisal value or the current real estate tax value discounted by 30%, plus estimated selling costs. Property values are impacted by many macroeconomic factors. In general, a declining economy or rising interest rates would be expected to lower fair value of collateral dependent impaired loans while an improving economy or falling interest rates would be expected to increase fair value of collateral dependent impaired loans.

 

Foreclosed assets – Real estate and other property acquired through, or in lieu of, loan foreclosure are not measured at fair value on a recurring basis. Initially, foreclosed assets are recorded at fair value less estimated costs to sell at the date of foreclosure. Estimated selling costs typically range from 5% to 15% of the property value. Valuations are periodically performed by management, and the real estate or other property is carried at the lower of carrying amount or fair value less estimated costs to sell. Fair value measurements are based on current formal or informal appraisals of property value compared to recent comparable sales of similar property. Independent appraisals reflecting comparable sales are considered Level 2 measurements, while internal assessments of appraised value based on current market activity, including broker price opinions, are considered Level 3 measurements and represent a market approach to fair value. Property values are impacted by many macroeconomic factors. In general, a declining economy or rising interest rates would be expected to lower fair value of foreclosed assets while an improving economy or falling interest rates would be expected to increase fair value of foreclosed assets.

 

Mortgage servicing rights – Mortgage servicing rights are not measured at fair value on a recurring basis. However, mortgage servicing rights that are impaired are measured at fair value on a nonrecurring basis. Serviced loan pools are stratified by year of origination and term of the loan, and a valuation model is used to calculate the present value of expected future cash flows for each stratum. When the carrying value of a stratum exceeds its fair value, the stratum is measured at fair value. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income, such as costs to service, a discount rate, custodial earnings rate, ancillary income, default rates and losses, and prepayment speeds. Although some of these assumptions are based on observable market data, other assumptions are based on unobservable estimates of what market participants would use to measure fair value. As a result, the fair value measurement of mortgage servicing rights is considered a Level 3 measurement and represents an income approach to fair value. When market mortgage rates decline, borrowers may have the opportunity to refinance their existing mortgage loans at lower rates, increasing the risk of prepayment of loans on which PSB maintains mortgage servicing rights. Therefore, declining long-term interest rates would decrease the fair value of mortgage servicing rights. Significant unobservable inputs at December 31, 2013, used to measure fair value included:

 

Direct annual servicing cost per loan $57
Direct annual servicing cost per loan in process of foreclosure $500
Weighted average prepayment speed: CPR 26.17%
Weighted average prepayment speed: PSA 476.53%
Weighted average cash flow discount rate 7.92%
Asset reinvestment rate 4.00%
Short-term cost of funds 0.25%
Escrow inflation adjustment 1.00%
Servicing cost inflation adjustment 1.00%

 

Mortgage rate lock commitments – The fair value of mortgage rate lock commitments is measured on a recurring basis. Fair value is based on current secondary market pricing for delivery of similar loans and the value of OMSR on loans expected to be delivered, which is considered a Level 2 fair value measurement.

 

Interest rate swap agreements – Fair values for interest rate swap agreements are based on the amounts required to settle the contracts based on valuations provided by third-party dealers in the contracts, which is considered a Level 2 fair value measurement, and are measured on a recurring basis.

 

Information regarding the fair value of assets and liabilities measured at fair value on a recurring basis as of December 31:

 

      Recurring Fair Value Measurements Using
      Quoted Prices      
      in Active  Significant   
   Assets and  Markets for  Other  Significant
   Liabilities  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
             
2013                    
Assets:                    
Securities available for sale:                    
U.S. Treasury and agency debentures  $999   $0   $999   $0 
U.S. agency issued residential MBS and CMO   59,390    0    59,390    0 
Privately issued residential MBS and CMO   105    0    105    0 
Obligations of states and political subdivisions   159    0    159    0 
Nonrated SBA loan fund   950    0    950    0 
Other equity securities   47    0    0    47 
                     
Total securities available for sale   61,650    0    61,603    47 
Loans held for sale   150    0    150    0 
Mortgage rate lock commitment   14    0    14    0 
Interest rate swap agreements   276    0    276    0 
                     
Total assets  $62,090   $0   $62,043   $47 
                     
Liabilities – Interest rate swap agreements  $714   $0   $714   $0 
                     
2012                    
Assets:                    
Securities available for sale:                    
U.S. Treasury and agency debentures  $10,027   $0   $10,027   $0 
U.S. agency issued residential MBS and CMO   59,640    0    59,640    0 
Privately issued residential MBS and CMO   173    0    173    0 
Nonrated commercial paper   5,500    0    5,500    0 
Other equity securities   47    0    0    47 
                     
Total securities available for sale   75,387    0    75,340    47 
Loans held for sale   884    0    884    0 
Mortgage rate lock commitments   91    0    91    0 
Interest rate swap agreements   673    0    673    0 
                     
Total assets  $77,035   $0   $76,988   $47 
                     
Liabilities – Interest rate swap agreements  $1,372   $0   $1,372   $0 

 

The reconciliation of fair value measurements using significant unobservable inputs during the years ended December 31 is as follows:

 

Balance at January 1, 2012:  $47 
Total realized/unrealized gains (losses):     
Included in earnings   0 
Included in other comprehensive income   0 
Purchases, maturities, and sales   0 
      
Balance at December 31, 2012  $47 
      
Total gains (losses) for the period included in earnings attributable to the change     
in unrealized gains or losses relating to assets still held at December 31, 2012  $0 
      
Balance at January 1, 2013:  $47 
Total realized/unrealized gains (losses):     
Included in earnings   0 
Included in other comprehensive income   0 
Purchases, maturities, and sales   0 
      
Balance at December 31, 2013  $47 
      
Total gains (losses) for the period included in earnings attributable to the change     
in unrealized gains or losses relating to assets still held at December 31, 2013  $0 

 

Information regarding the fair value of assets and liabilities measured at fair value on a nonrecurring basis as of December 31 follows:

 

      Nonrecurring Fair Value Measurements Using
      Quoted Prices      
      in Active  Significant   
      Markets for  Other  Significant
   Assets  Identical  Observable  Unobservable
   Measured at  Assets  Inputs  Inputs
   Fair Value  (Level 1)  (Level 2)  (Level 3)
             
2013                    
Assets:                    
Impaired loans  $1,720   $0   $0   $1,720 
Foreclosed assets   1,750    0    792    958 
Mortgage servicing rights   1,696    0    0    1,696 
                     
Total assets  $5,166   $0   $792   $4,374 
                     
2012                    
Assets:                    
Impaired loans  $2,973   $0   $328   $2,645 
Foreclosed assets   1,774    0    752    1,022 
Mortgage servicing rights   1,233    0    0    1,233 
                     
Total assets  $5,980   $0   $1,080   $4,900 
                     

 

At December 31, 2013, loans with a carrying amount of $2,119 were considered impaired and were written down to their estimated fair value of $1,720, net of a valuation allowance of $399. At December 31, 2012, loans with a carrying amount of $3,955 were considered impaired and were written down to their estimated fair value of $2,973 net of a valuation allowance of $982. Changes in the valuation allowances are reflected through earnings as a component of the provision for loan losses or as a charge-off against the allowance for loan losses.

 

In 2013, foreclosed assets with a fair value of $1,342 were acquired through or in lieu of foreclosure, which is the fair value net of estimated costs to sell. During 2013, foreclosed assets with a carrying amount of $2,156 were written down to a fair value of $1,750, less costs to sell. As a result, an impairment charge of $406 was included in earnings for the year ended December 31, 2013. In 2012, foreclosed assets with a fair value of $1,295 were acquired through or in lieu of foreclosure, which is the fair value net of estimated costs to sell. During 2012, foreclosed assets with a carrying amount of $2,259 were written down to a fair value of $1,774, less costs to sell. As a result, an impairment charge of $485 was included in earnings for the year ended December 31, 2012.

 

At December 31, 2013, mortgage servicing rights with a carrying amount of $1,717 were considered impaired and were written down to their estimated fair value of $1,696, resulting in an impairment allowance of $21. At December 31, 2012, mortgage servicing rights with a carrying amount of $1,513 were considered impaired and were written down to their estimated fair value of $1,233, resulting in an impairment allowance of $280. Changes in the impairment allowances are reflected through earnings as a component of mortgage banking income.

 

PSB estimates fair value of all financial instruments regardless of whether such instruments are measured at fair value. The following methods and assumptions were used by PSB to estimate fair value of financial instruments not previously discussed.

 

Cash and cash equivalents – Fair value reflects the carrying value of cash, which is a Level 1 measurement.

 

Securities held to maturity – Fair value of securities held to maturity is based on dealer quotations on similar securities near period-end, which is considered a Level 2 measurement. Certain debt issued by banks or bank holding companies purchased by PSB as securities held to maturity is valued on a cash flow basis discounted using market rates reflecting credit risk of the borrower, which is considered a Level 3 measurement.

 

Bank certificates of deposit – Fair value of fixed rate certificates of deposit included in other investments is estimated by discounting future cash flows using current rates at which similar certificates could be purchased, which is a Level 3 measurement.

 

Loans – Fair value of variable rate loans that reprice frequently are based on carrying values. Loans with an active sale market, such as one- to four-family residential mortgage loans, estimate fair value based on sales of loans with similar structure and credit quality. Fair value of other loans is estimated by discounting future cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings. Fair value of impaired and other nonperforming loans is estimated using discounted expected future cash flows or the fair value of underlying collateral, if applicable. Except for collateral dependent impaired loans valued using an independent appraisal of collateral value, reflecting a Level 2 fair value measurement, fair value of loans is considered to be a Level 3 measurement due to internally developed discounted cash flow measurements.

 

Federal Home Loan Bank stock – Fair value is the redeemable (carrying) value based on the redemption provisions of the Federal Home Loan Bank, which is considered a Level 3 fair value measurement.

 

Accrued interest receivable and payable – Fair value approximates the carrying value, which is considered a Level 3 fair value measurement.

 

Cash value of life insurance – Fair value is based on reported values of the assets by the issuer which are redeemable to the insured, which is considered a Level 2 fair value measurement.

 

Deposits – Fair value of deposits with no stated maturity, such as demand deposits, savings, and money market accounts, by definition, is the amount payable on demand on the reporting date. Fair value of fixed rate time deposits is estimated using discounted cash flows applying interest rates currently offered on issue of similar time deposits. Use of internal discounted cash flows provides a Level 3 fair value measurement.

 

FHLB advances and other borrowings – Fair value of fixed rate, fixed term borrowings is estimated by discounting future cash flows using the current rates at which similar borrowings would be made as calculated by the lender or correspondent. Fair value of borrowings with variable rates or maturing within 90 days approximates the carrying value of these borrowings. Fair values based on lender provided settlement provisions are considered a Level 2 fair value measurement. Other borrowings with local customers in the form of repurchase agreements are estimated using internal assessments of discounted future cash flows, which is a Level 3 measurement.

 

Senior subordinated notes and junior subordinated debentures – Fair value of fixed rate, fixed term notes and debentures are estimated internally by discounting future cash flows using the current rates at which similar borrowings would be made, which is a Level 3 fair value measurement.

 

The carrying amounts and fair values of PSB’s financial instruments consisted of the following:

 

   December 31, 2013
   Carrying  Estimated  Fair Value Hierarchy Level
   Amount  Fair Value  Level 1  Level 2  Level 3
                
                
Financial assets:                         
                          
Cash and cash equivalents  $31,522   $31,522   $31,522   $0   $0 
Securities   133,279    133,322    0    131,479    1,843 
Bank certificates of deposit   2,236    2,280    0    0    2,280 
Net loans receivable and loans held for sale   510,030    514,309    0    150    514,159 
Accrued interest receivable   2,076    2,076    0    0    2,076 
Mortgage servicing rights   1,696    1,696    0    0    1,696 
Mortgage rate lock commitments   14    14    0    14    0 
FHLB stock   2,556    2,556    0    0    2,556 
Cash surrender value of life insurance   12,826    12,826    0    12,826    0 
Interest rate swap agreements   276    276    0    276    0 
                          
Financial liabilities:                         
                          
Deposits  $577,514   $578,387   $0   $0   $578,387 
FHLB advances   38,049    38,511    0    38,511    0 
Other borrowings   20,441    21,251    0    14,364    6,887 
Senior subordinated notes   4,000    3,489    0    0    3,489 
Junior subordinated debentures   7,732    7,085    0    0    7,085 
Interest rate swap agreements   714    714    0    714    0 
Accrued interest payable   477    477    0    0    477 

 

   December 31, 2012
   Carrying  Estimated  Fair Value Hierarchy Level
   Amount  Fair Value  Level 1  Level 2  Level 3
                
                
Financial assets:                         
                          
Cash and cash equivalents  $48,847   $48,847   $48,847   $0   $0 
Securities   145,209    147,751    0    145,795    1,956 
Bank certificates of deposit   4,465    4,538    0    0    4,538 
Net loans receivable and loans held for sale   478,875    484,925    0    1,212    483,713 
Accrued interest receivable   2,157    2,157    0    0    2,157 
Mortgage servicing rights   1,233    1,233    0    0    1,233 
Mortgage rate lock commitments   91    91    0    91    0 
FHLB stock   2,506    2,506    0    0    2,506 
Cash surrender value of life insurance   11,813    11,813    0    11,813    0 
Interest rate swap agreements   673    673    0    673    0 
                          
Financial liabilities:                         
                          
Deposits  $565,442   $568,014   $0   $0   $568,014 
FHLB advances   50,124    51,590    0    51,590    0 
Other borrowings   20,728    22,118    0    14,890    7,228 
Senior subordinated notes   7,000    7,000    0    0    7,000 
Junior subordinated debentures   7,732    4,911    0    0    4,911 
Interest rate swap agreements   1,372    1,372    0    1,372    0 
Accrued interest payable   697    697    0    0    697 

 
XML 61 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Cash flows from operating activities:      
Net income $ 4,744 $ 6,009 $ 5,305
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for depreciation and net amortization 2,516 2,604 2,329
Provision (benefit) for deferred income taxes (33) 400 (100)
Provision for loan losses 4,015 785 1,390
Deferred net loan origination costs (514) (443) (292)
Proceeds from sales of loans held for sale 63,510 102,080 63,305
Originations of loans held for sale (61,950) (101,812) (62,267)
Gain on sale of loans (1,373) (1,918) (1,064)
Provision for (recapture of) mortgage servicing right valuation allowance (259) 199 (122)
Net (gain) loss on sale of premises and equipment    3 (15)
Realized gain on sale of securities available for sale (12)    (32)
Net loss on sale and provision for write-down of foreclosed assets 301 443 972
Increase in cash surrender value of life insurance (402) (407) (415)
Gain on bargain purchase    (851)   
Changes in operating assets and liabilities:      
Accrued interest receivable 81 313 170
Other assets 1,590 386 64
Accrued expenses and other liabilities 820 (235) 429
Net cash provided by operating activities 13,034 7,556 9,657
Cash flows from investing activities:      
Proceeds from maturities of securities available for sale 41,824 49,290 17,046
Proceeds from sale of securities available for sale 986    37
Proceeds from maturities of securities held to maturity 6,502 10,778 4,264
Payment for purchase of securities available for sale (31,241) (32,368) (21,697)
Payment for purchase of securities held to maturity (8,960) (11,696) (1,021)
Cash acquired on purchase of Marathon State Bank    14,910   
Net redemption (net purchase) of bank certificates of deposit 2,229 (1,981)   
Net redemption (purchase) of FHLB stock (50) 744   
Net increase in loans (36,746) (10,349) (7,130)
Capital expenditures (334) (572) (191)
Proceeds from sale of premises and equipment       15
Proceeds from sale of foreclosed assets 831 1,527 987
Purchase of bank-owned life insurance (611)    (92)
Net cash provided by (used in) investing activities (25,570) 20,283 (7,782)
Cash flows from financing activities:      
Net increase (decrease) in non-interest-bearing deposits 12,825 (9,902) 17,366
Net decrease in interest-bearing deposits (694) (6,832) (1,114)
Net decrease in Federal Home Loan Bank advances (12,075)    (7,310)
Net increase (decrease) in other borrowings (287) 1,037 (11,820)
Repayment of senior subordinated notes (3,000)      
Dividends declared (1,289) (1,247) (1,168)
Proceeds from exercise of stock options    9 45
Purchase of treasury stock (269) (262)   
Net cash used in financing activities (4,789) (17,197) (4,001)
Net increase (decrease) in cash and cash equivalents (17,325) 10,642 (2,126)
Cash and cash equivalents at beginning 48,847 38,205 40,331
Cash and cash equivalents at end 31,522 48,847 38,205
Cash paid during the period for:      
Interest 5,645 7,177 8,982
Income taxes 759 2,146 2,445
Noncash investing and financing activities:      
Loans charged off 4,743 1,332 1,587
Loans transferred to foreclosed assets 1,342 1,295 1,006
Loans originated on sale of foreclosed assets 234 490 1,075
Grants of unvested restricted stock at fair value 210 200 200
Vesting of restricted stock grants 165 116 84
Amortization of unrealized gain on securities held to maturity transferred from securities available for sale $ 420 $ 452 $ 516
XML 62 R32.htm IDEA: XBRL DOCUMENT v2.4.0.8
Condensed Parent Company Only Financial Statements
 12 Months Ended
Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]  
Condensed Parent Company Only Financial Statements
NOTE 24 Condensed Parent Company Only Financial Statements

 

The following are condensed balance sheets as of December 31, 2013 and 2012, and condensed statements of income and cash flows for the years ended December 31, 2013, 2012, and 2011, for PSB Holdings, Inc.

 

Balance Sheets

December 31, 2013 and 2012

 

Assets  2013  2012
       
Cash and due from banks  $3,502   $2,325 
Investment in Peoples State Bank   66,801    66,777 
Other assets   840    952 
           
TOTAL ASSETS  $71,143   $70,054 
           
Liabilities and Stockholders’ Equity          
           
Accrued dividends payable  $644   $0 
Other borrowings   1,500    0 
Senior subordinated notes   4,000    7,000 
Junior subordinated debentures   7,732    7,732 
Other liabilities   514    875 
Total stockholders’ equity   56,753    54,447 
           
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY  $71,143   $70,054 

 

Statements of Income

Years Ended December 31, 2013, 2012, and 2011

 

   2013  2012  2011
          
Income:               
Dividends from Peoples State Bank  $4,000   $7,700   $2,875 
Dividends from other investments   6    5    6 
Interest   5    10    6 
                
Total income   4,011    7,715    2,887 
                
Expenses:               
Interest on other borrowings   54    0    0 
Interest expense on senior subordinated notes   184    578    567 
Interest expense on junior subordinated debentures   341    342    341 
Transfer agent and shareholder communication   47    68    38 
Other   136    348    95 
                
Total expenses   762    1,336    1,041 
                
Income before income taxes and equity in undistributed net income of Peoples State Bank   3,249    6,379    1,846 
Recognition of income tax benefit   293    431    402 
                
Net income before equity in undistributed net income of Peoples State Bank   3,542    6,810    2,248 
Equity in undistributed net income of Peoples State Bank   1,202    (801)   3,057 
                
Net income  $4,744   $6,009   $5,305 

 

Statements of Cash Flows

Years Ended December 31, 2013, 2012, and 2011

 

   2013  2012  2011
          
Increase (decrease) in cash and due from banks:               
Cash flows from operating activities:               
Net income  $4,744   $6,009   $5,305 
Adjustments to reconcile net income to net cash provided by operating activities:               
Equity in undistributed net income of Peoples State Bank   (1,202)   801    (3,057)
(Increase) decrease in other assets   147    (21)   5 
Increase (decrease) in other liabilities   (79)   (2)   28 
Increase (decrease) in dividends payable   644    (583)   20 
                
Net cash provided by operating activities   4,254    6,204    2,301 
                
Cash flows from investing activities:               
Purchase Marathon State Bank common stock   (19)   (5,482)   0 
Investment in Peoples State Bank   0    (5)   0 
                
Net cash used in investing activities   (19)   (5,487)   0 
                
Cash flows from financing activities:               
Repayment of senior subordinated notes   (3,000)   0    0 
Proceeds from other borrowings   2,000    0    0 
Repayment of other borrowings   (500)   0    0 
Proceeds from exercise of stock options   0    9    45 
Dividends declared   (1,289)   (1,247)   (1,168)
Purchase of treasury stock   (269)   (262)   0 
                
Net cash used in financing activities   (3,058)   (1,500)   (1,123)
                
Net increase (decrease) in cash and due from banks   1,177    (783)   1,178 
Cash and due from banks at beginning   2,325    3,108    1,930 
                
Cash and due from banks at end  $3,502   $2,325   $3,108 
XML 63 R83.htm IDEA: XBRL DOCUMENT v2.4.0.8
Deposits (Details 1) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Scheduled maturities of time deposits  
2014 $ 82,077
2015 26,952
2016 14,809
2017 18,165
2018 16,737
Thereafter 2,906
Total $ 161,646
XML 64 R114.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements (Details 1) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Securities available for sale:    
Total securities available for sale $ 61,650 $ 75,387
Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Mortgage rate lock commitments 14 91
Interest rate swap agreements 276 673
Liabilities - Interest rate swap agreements 714 1,372
Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Mortgage rate lock commitments 14 91
Interest rate swap agreements 276 673
Liabilities - Interest rate swap agreements 714 1,372
Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale      
Loans held for sale      
Mortgage rate lock commitments      
Interest rate swap agreements      
Total assets      
Liabilities - Interest rate swap agreements      
Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale 61,603 75,340
Loans held for sale 150 884
Mortgage rate lock commitments 14 91
Interest rate swap agreements 276 673
Total assets 62,043 76,988
Liabilities - Interest rate swap agreements 714 1,372
Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale 47 47
Loans held for sale      
Mortgage rate lock commitments      
Interest rate swap agreements      
Total assets 47 47
Liabilities - Interest rate swap agreements      
Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale 61,650 75,387
Loans held for sale 150 884
Mortgage rate lock commitments 14 91
Interest rate swap agreements 276 673
Total assets 62,090 77,035
Liabilities - Interest rate swap agreements 714 1,372
US Treasury securities and obligations of US Government corporations and agencies
    
Securities available for sale:    
Total securities available for sale 999 10,027
US Treasury securities and obligations of US Government corporations and agencies | Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale      
US Treasury securities and obligations of US Government corporations and agencies | Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale 999 10,027
US Treasury securities and obligations of US Government corporations and agencies | Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale      
US Treasury securities and obligations of US Government corporations and agencies | Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale 999 10,027
US Agency Issued Residential MBS and CMO | Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale      
US Agency Issued Residential MBS and CMO | Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale 59,390 59,640
US Agency Issued Residential MBS and CMO | Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale      
US Agency Issued Residential MBS and CMO | Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale 59,390 59,640
Privately issued residential collateralized mortgage obligations
    
Securities available for sale:    
Total securities available for sale 105 173
Privately issued residential collateralized mortgage obligations | Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale      
Privately issued residential collateralized mortgage obligations | Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale 105 173
Privately issued residential collateralized mortgage obligations | Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale      
Privately issued residential collateralized mortgage obligations | Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale 105 173
Nonrated SBA Loan Fund
    
Securities available for sale:    
Total securities available for sale 950  
Nonrated SBA Loan Fund | Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale     
Nonrated SBA Loan Fund | Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale 950  
Nonrated SBA Loan Fund | Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale     
Nonrated SBA Loan Fund | Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale 950  
Obligations of states and political subdivisions
    
Securities available for sale:    
Total securities available for sale 159  
Obligations of states and political subdivisions | Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale     
Obligations of states and political subdivisions | Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale 950  
Obligations of states and political subdivisions | Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale     
Obligations of states and political subdivisions | Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale 950  
Other equity securities
    
Securities available for sale:    
Total securities available for sale 47 47
Other equity securities | Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale      
Other equity securities | Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale      
Other equity securities | Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale 47 47
Other equity securities | Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale 47 47
Nonrated commercial paper
    
Securities available for sale:    
Total securities available for sale   5,500
Nonrated commercial paper | Recurring | Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Securities available for sale:    
Total securities available for sale     
Nonrated commercial paper | Recurring | Siginficant Other Observable Inputs (Level 2)
    
Securities available for sale:    
Total securities available for sale   5,500
Nonrated commercial paper | Recurring | Significant Unobservable Inputs (Level 3)
    
Securities available for sale:    
Total securities available for sale     
Nonrated commercial paper | Recurring | Estimate of Fair Value, Fair Value Disclosure
    
Securities available for sale:    
Total securities available for sale   $ 5,500
XML 65 R40.htm IDEA: XBRL DOCUMENT v2.4.0.8
Premises and Equipment (Tables)
 12 Months Ended
Dec. 31, 2013
Premises And Equipment Tables  
Schdeule of premises and equipment
   2013  2012
       
Land  $2,261   $2,306 
Buildings and improvements   9,379    9,596 
Furniture and equipment   3,084    3,099 
Computer hardware and software   1,690    1,591 
           
Total cost   16,414    16,592 
Less – Accumulated depreciation and amortization   6,745    6,352 
           
Totals  $9,669   $10,240 
XML 66 R53.htm IDEA: XBRL DOCUMENT v2.4.0.8
Summary of Significant Accounting Policies (Details Narrative)
 12 Months Ended
Dec. 31, 2013
Buildings | Lower Range
  
Useful life of premises and equipment 15 years
Buildings | Upper Range
  
Useful life of premises and equipment 40 years
Furniture and Equipment | Lower Range
  
Useful life of premises and equipment 5 years
Furniture and Equipment | Upper Range
  
Useful life of premises and equipment 10 years
Computer Hardware and Software
  
Useful life of premises and equipment 3 years
XML 67 R72.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details 8) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Loans on Non Accrual Status    
Loans on nonaccrual status $ 7,340 $ 7,715
Commercial and Industrial
    
Loans on Non Accrual Status    
Loans on nonaccrual status 1,575 3,023
Agricultural
    
Loans on Non Accrual Status    
Loans on nonaccrual status 152 154
Commercial Real Estate
    
Loans on Non Accrual Status    
Loans on nonaccrual status 4,103 2,001
Commercial construction and development
    
Loans on Non Accrual Status    
Loans on nonaccrual status 17 1
Residential Prime
    
Loans on Non Accrual Status    
Loans on nonaccrual status 1,059 2,021
Residential HELOC
    
Loans on Non Accrual Status    
Loans on nonaccrual status 387 365
Residential construction and development
    
Loans on Non Accrual Status    
Loans on nonaccrual status 30 133
Consumer
    
Loans on Non Accrual Status    
Loans on nonaccrual status $ 17 $ 17
XML 68 R2.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Assets    
Cash and due from banks $ 13,800 $ 20,332
Interest-bearing deposits and money market funds 977 1,431
Federal funds sold 16,745 27,084
Cash and cash equivalents 31,522 48,847
Securities available for sale (at fair value) 61,650 75,387
Securities held to maturity (fair value of $71,672 and $72,364, respectively) 71,629 69,822
Bank certificates of deposit 2,236 4,465
Loans held for sale 150 884
Loans receivable, net of allowance for loan losses 509,880 477,991
Accrued interest receivable 2,076 2,157
Foreclosed assets 1,750 1,774
Premises and equipment, net 9,669 10,240
Mortgage servicing rights, net 1,696 1,233
Federal Home Loan Bank stock (at cost) 2,556 2,506
Cash surrender value of bank-owned life insurance 12,826 11,813
Other assets 3,901 4,847
TOTAL ASSETS 711,541 711,966
Deposits:    
Non-interest-bearing 102,644 89,819
Interest-bearing 474,870 475,623
Total deposits 577,514 565,442
Federal Home Loan Bank advances 38,049 50,124
Other borrowings 20,441 20,728
Senior subordinated notes 4,000 7,000
Junior subordinated debentures 7,732 7,732
Accrued expenses and other liabilities 7,052 6,493
Total liabilities 654,788 657,519
Stockholders' equity    
Preferred stock - no par value: Authorized - 30,000 shares; no shares issued or outstanding      
Common stock - no par value with a stated value of $1 per share: Authorized - 6,000,000 shares; Issued - 1,830,266 shares; Outstanding - 1,651,518 and 1,653,472 shares, respectively 1,830 1,830
Additional paid-in capital 6,967 7,020
Retained earnings 52,432 48,977
Accumulated other comprehensive income, net of tax 349 1,394
Treasury stock, at cost - 178,748 and 176,794 shares, respectively (4,825) (4,774)
Total stockholders' equity 56,753 54,447
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 711,541 $ 711,966
XML 69 R45.htm IDEA: XBRL DOCUMENT v2.4.0.8
Income Taxes (Tables)
 12 Months Ended
Dec. 31, 2013
Income Taxes Tables  
Schedule of components of income tax

The components of the provision for income taxes are as follows:

 

   2013  2012  2011
          
Current income tax provision:               
Federal  $1,246   $1,600   $1,915 
State   450    535    606 
                
Total current   1,696    2,135    2,521 
                
Deferred income tax provision (benefit):               
Federal   (132)   330    (60)
State   99    70    (40)
                
Total deferred   (33)   400    (100)
                
Total provision for income taxes  $1,663   $2,535   $2,421 
Schedule of income tax reconciliation

A summary of the source of differences between income taxes at the federal statutory rate and the provision for income taxes for the years ended December 31 follows:

 

   2013  2012  2011
      Percent     Percent     Percent
      of     of     of
      Pretax     Pretax     Pretax
   Amount  Income  Amount  Income  Amount  Income
                   
Tax expense at statutory rate  $2,178    34.0   $2,905    34.0   $2,627    34.0 
Increase (decrease) in taxes resulting from:                              
Tax-exempt interest   (703)   (11.0)   (778)   (9.1)   (480)   (6.2)
Bank-owned life insurance   (137)   (2.1)   (138)   (1.6)   (141)   (1.8)
State income tax   362    5.7    399    4.7    374    4.8 
Merger-related expenses   0    0.0    73    1.0    0    0.0 
Other   (37)   (0.6)   74    1.0    41    0.5 
                               
Provision for income taxes  $1,663    26.0   $2,535    30.0   $2,421    31.3 
Schedule of net deferred tax assets

The major components of the net deferred tax assets are as follows:

 

   2013  2012
       
Deferred tax assets:          
Allowance for loan losses  $2,579   $2,821 
Deferred compensation and directors’ fees   1,308    1,189 
Accrued interest receivable   0    125 
Foreclosed assets   352    228 
Interest rate swaps   171    273 
Other   223    141 
           
Gross deferred tax assets   4,633    4,777 
           
Deferred tax liabilities:          
Premises and equipment   769    864 
Mortgage servicing rights   673    521 
FHLB stock   120    240 
Unrealized gain on securities available for sale   400    1,190 
Deferred net loan origination costs   128    98 
Prepaid expenses   139    181 
           
Gross deferred tax liabilities   2,229    3,094 
           
Net deferred tax asset  $2,404   $1,683 
Schedule of income tax effects on items of comprehensive income (loss)

The following table presents income tax effects on items of comprehensive income (loss) for the years ended December 31:

 

   2013  2012  2011
   Pretax  Income Tax  Pretax  Income Tax  Pretax  Income Tax
   Inc.(Exp.)  Exp.(Credit)  Inc.(Exp.)  Exp.(Credit)  Inc.(Exp.)  Exp.(Credit)
                   
Unrealized gain (loss) on securities                              
  available for sale  ($1,574)  ($613)  ($310)  ($119)  $180   $71 
Reclassification adjustment for net                              
  security gain included in net income   (12)   (5)   0    0    (32)   (13)
Amortization of unrealized gain on securities                              
  available for sale transferred to securities                              
  held to maturity included in net income   (420)   (184)   (452)   (178)   (516)   (168)
Unrealized gain (loss) on interest rate swap   75    29    (295)   (116)   (734)   (287)
Reclassification adjustment of interest rate                              
  swap settlements included in earnings   186    73    172    68    183    72 
                               
Totals  ($1,745)  ($700)  ($885)  ($345)  ($919)  ($325)
XML 70 R96.htm IDEA: XBRL DOCUMENT v2.4.0.8
Retirement and Deferred Compensation Plans (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Retirement And Deferred Compensation Plans Details Narrative      
401(k) plan description PSB has established a 401(k) profit sharing plan for its employees. PSB matches 100% of employees salary deferrals up to the first 1% of pay deferred and 50% of salary deferrals of the next 5% of pay deferrals, for a maximum match of 3.5% of salary. PSB may also declare a discretionaly profit sharing contribution.    
Expense recognized for contributions to the 401(k) plan $ 446 $ 509 $ 470
Deferred compensation agreement description PSB maintains deferred compensation arrangements with certain executives and directors. PSB matches 20% of the amount of employees salary deferrals up to the first 15% of pay deferred. PSB directors may elect to defer earned directors fees into a separate deferred directors fees plan. No PSB match is made on deferred director fees. Cumulative balances earn a crediting rate generally equal to 100% of PSBs return on average equity subject to a maximum crediting rate of 15% per year. The agreements provide for benefits to be paid in a lump sum at retirement or in monthly installments for a period up to 15 years following each participant normal retirement date. with interest payable at a fixed interest rate rangig from 7% to 8%.    
Deferred compensation liability outstanding 3,155 2,855  
Deferred compensation expense $ 270 $ 301 $ 232
XML 71 R113.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Nonrecurring Fair Value Unobservable Inputs  
Direct annual servicing cost per loan $ 57
Direct annual servicing cost per loan in process of foreclosure $ 500
Weighted average prepayment speed: CPR 26.17%
Weighted average prepayment speed: PSA 476.53%
Weighted average discount rate 7.92%
Asset reinvestment rate 4.00%
Short-term cost of funds 0.25%
Escrow inflation adjustment 1.00%
Servicing cost inflation adjustment 1.00%
XML 72 R6.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Changes in Stockholders' Equity (USD $)
In Thousands, unless otherwise specified
Common Stock
Additional Paid-in Capital
Retained Earnings
Accumulated Other Comprehensive Income (Loss)
Treasury Stock
Total
Stockholders' Equity, beginning at Dec. 31, 2010 $ 1,830 $ 7,323 $ 40,078 $ 3,528 $ (5,069) $ 46,690
Comprehensive income:            
Net income     5,305     5,305
Unrealized gain (loss) on securities available for sale, net of tax       109   109
Reclassification adjustment for net security gain included in net income       (19)   (19)
Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income       (348)   (348)
Unrealized (loss) on interest rate swap, net of tax       (447)   (447)
Reclassification of interest rate swap settlements included in earnings, net of tax       111   111
Total comprehensive income           4,711
Proceeds from stock options issued from treasury   (31)     76 45
Grants of restricted stock   (236)     236   
Vesting of restricted stock   84       84
Cash dividends declared     (1,147)     (1,147)
Cash dividends declared on unvested restricted stock     (21)     (21)
Stockholders' Equity, ending at Dec. 31, 2011 1,830 7,140 44,215 1,934 (4,757) 50,362
Comprehensive income:            
Net income     6,009     6,009
Unrealized gain (loss) on securities available for sale, net of tax       (191)   (191)
Reclassification adjustment for net security gain included in net income             
Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income       (274)   (274)
Unrealized (loss) on interest rate swap, net of tax       (179)   (179)
Reclassification of interest rate swap settlements included in earnings, net of tax       104   104
Total comprehensive income           5,469
Purchase of treasury stock         (262) (262)
Proceeds from stock options issued from treasury   (6)     15 9
Grants of restricted stock   (230)     230   
Vesting of restricted stock   116       116
Fractional cash dividends paid with stock dividend     (10)     (10)
Cash dividends declared     (1,211)     (1,211)
Cash dividends declared on unvested restricted stock     (26)     (26)
Stockholders' Equity, ending at Dec. 31, 2012 1,830 7,020 48,977 1,394 (4,774) 54,447
Comprehensive income:            
Net income     4,744     4,744
Unrealized gain (loss) on securities available for sale, net of tax       (961)   (961)
Reclassification adjustment for net security gain included in net income       (7)   (7)
Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income       (236)   (236)
Unrealized (loss) on interest rate swap, net of tax       46   46
Reclassification of interest rate swap settlements included in earnings, net of tax       113   113
Total comprehensive income           3,699
Purchase of treasury stock         (269) (269)
Grants of restricted stock   (218)     218   
Vesting of restricted stock   165       165
Cash dividends declared     (1,263)     (1,263)
Cash dividends declared on unvested restricted stock     (26)     (26)
Stockholders' Equity, ending at Dec. 31, 2013 $ 1,830 $ 6,967 $ 52,432 $ 349 $ (4,825) $ 56,753
XML 73 R94.htm IDEA: XBRL DOCUMENT v2.4.0.8
Derivative Instruments and Hedging Activities (Details1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Floating interest rate swaps were outstanding with customers    
Notional Amount $ 7,500 $ 7,500
Not Designated as Hedging Instrument | Interest Rate Swaps
    
Floating interest rate swaps were outstanding with customers    
Notional Amount 14,323 14,979
Fixed rate 2.00% 1.99%
Variable rate 0.17% 0.21%
Derivative Maturity Date Low End 2015-03-31 2015-03-31
Derivative Maturity Date High End 2021-10-31 2021-10-31
Weighted average remaining term 2 years 10 months 24 days 3 years 10 months 24 days
Unrealized gain (loss) fair value $ 276 $ 673
XML 74 R59.htm IDEA: XBRL DOCUMENT v2.4.0.8
Securities (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Securities available for sale    
Amortized Cost $ 61,645 $ 73,807
Unrealized Gains 1,007 1,630
Unrealized Losses 1,002 50
Fair Value 61,650 75,387
Securities Held to Maturity    
Amortized Cost 71,629 69,822
Unrealized Gains 1,095 2,649
Unrealized Losses 1,052 107
Fair Value 71,672 72,364
US Treasury securities and obligations of US Government corporations and agencies
    
Securities available for sale    
Amortized Cost 1,001 9,998
Unrealized Gains    29
Unrealized Losses 2   
Fair Value 999 10,027
US agency issued residential mortgage-backed securities
    
Securities available for sale    
Amortized Cost 21,388 13,550
Unrealized Gains 522 847
Unrealized Losses 424   
Fair Value 21,486 14,397
US agency issued residential collateralized mortgage obligations
    
Securities available for sale    
Amortized Cost 37,998 44,544
Unrealized Gains 482 749
Unrealized Losses 576 50
Fair Value 37,904 45,243
Privately issued residential collateralized mortgage obligations
    
Securities available for sale    
Amortized Cost 102 168
Unrealized Gains 3 5
Unrealized Losses      
Fair Value 105 173
Obligations of states and political subdivisions
    
Securities available for sale    
Amortized Cost 159  
Unrealized Gains     
Unrealized Losses     
Fair Value 159  
Securities Held to Maturity    
Amortized Cost 69,704 67,915
Unrealized Gains 1,059 2,581
Unrealized Losses 887 41
Fair Value 69,876 70,455
Nonrated SBA Loan Fund
    
Securities available for sale    
Amortized Cost 950  
Unrealized Gains     
Unrealized Losses     
Fair Value 950  
Other equity securities
    
Securities available for sale    
Amortized Cost 47 47
Unrealized Gains      
Unrealized Losses      
Fair Value 47 47
Nonrated trust preferred securities
    
Securities Held to Maturity    
Amortized Cost 1,524 1,505
Unrealized Gains 30 60
Unrealized Losses 165 66
Fair Value 1,389 1,499
Nonrated senior subordinated notes
    
Securities Held to Maturity    
Amortized Cost 401 402
Unrealized Gains 6 8
Unrealized Losses      
Fair Value 407 410
Nonrated commercial paper
    
Securities available for sale    
Amortized Cost   5,500
Unrealized Gains     
Unrealized Losses     
Fair Value   $ 5,500
XML 75 R99.htm IDEA: XBRL DOCUMENT v2.4.0.8
Income Taxes (Details 1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Income Taxes Details 1      
Tax expense at statutory rate $ 2,178 $ 2,905 $ 2,627
Tax expense at statutory rate, tax rate 34.00% 34.00% 34.00%
Increase (decrease) in taxes resulting from:      
Tax-exempt interest (703) (778) (480)
Tax-exempt interest, tax rate (11.00%) (9.10%) (6.20%)
Bank owned life insurance (137) (138) (141)
Bank owned life insurance, tax rate (2.10%) (1.60%) (1.80%)
State income tax 362 399 374
State income tax, tax rate 5.70% 4.70% 4.80%
Merger-related expenses    73   
Merger-related expenses, tax rate 0.00% 1.00% 0.00%
Other (37) 74 41
Other, tax rate (0.60%) 1.00% 0.50%
Total provision for income taxes $ 1,663 $ 2,535 $ 2,421
Total provision for income taxes, tax rate 26.00% 30.00% 31.30%
XML 76 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
Merger and Acquisition Activity (Tables)
 12 Months Ended
Dec. 31, 2013
Merger And Acquisition Activity Tables  
Schedule of Acquisition

Cash purchase price  $5,505 
      
Fair value of assets acquired:     
Cash and due from banks   20,392 
Securities available for sale   50,547 
Loans receivable   23,760 
Short-term commercial paper and bankers’ acceptances   11,713 
Foreclosed assets   0 
Premises and equipment   402 
Core deposit intangible   0 
Accrued interest receivable and other assets   550 
      
Total fair value of assets acquired   107,364 
      
Fair value of liabilities assumed:     
Non-interest-bearing deposits   23,255 
Interest-bearing deposits   77,611 
Accrued interest payable and other liabilities   142 
      
Total fair value of liabilities assumed   101,008 
      
Fair value of net assets acquired   6,356 
      
Gain on bargain purchase  $851 
Schedule of Pro forma combined results of operations

Pro forma combined results of operations as if the combination occurred at the beginning of the year-to-date period ended December 31, 2012, are as follows:

 

   (pro forma combined at beginning of period)
   Net Interest  Noninterest  Net  Earnings
   Income  Income  Income  Per Share
             
PSB Holdings, Inc.  $19,670   $5,706   $5,587   $3.36 
Marathon State Bank   1,158    880    468    0.28 
                     
Pro forma totals  $20,828   $6,586   $6,055   $3.64 
XML 77 R65.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details 1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Loans receivable from executive officers and directors    
Loans outstanding, beginning $ 7,371 $ 9,958
New loans 3,519 4,485
Repayments (4,227) (7,072)
Loans outstanding, ending $ 6,663 $ 7,371
XML 78 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
Derivative Instruments and Hedging Activities
 12 Months Ended
Dec. 31, 2013
Derivative Instruments And Hedging Activities  
Derivative Instruments and Hedging Activities
NOTE 14 Derivative Instruments and Hedging Activities

 

PSB is exposed to certain risks relating to its ongoing business operations. The primary risk managed by using derivative instruments is interest rate risk. Interest rate swaps are entered into to manage interest rate risk associated with PSB's variable rate junior subordinated debentures. Accounting standards require PSB to recognize all derivative instruments as either assets or liabilities at fair value in the balance sheet. PSB designates its interest rate swap associated with the junior subordinated debentures as a cash flow hedge of variable-rate debt. For derivative financial instruments that are designated and qualify as cash flow hedges, the effective portion of the gain or loss on the derivative instrument is reported as a component of other comprehensive income and reclassified into earnings in the same period or periods during which the hedged transaction affects earnings. Gains and losses on the derivative instrument representing either hedge ineffectiveness or hedge components excluded from the assessment of effectiveness are recognized in current earnings.

 

From time to time, PSB will also enter into fixed interest rate swaps with customers in connection with their floating rate loans to PSB. When fixed rate swaps are originated with customers, an identical offsetting swap is also entered into by PSB with a correspondent bank. These swap arrangements are intended to offset each other as “back to back” swaps and allow PSB’s loan customer to obtain fixed rate loan financing via the swap while PSB exchanges these fixed payments with a correspondent bank. In these arrangements, PSB’s net cash flows and interest income are equal to the floating rate loan originated in connection with the swap. These customer swaps are not designated as hedging instruments and are accounted for at fair value with changes in fair value recognized in the income statement during the current period.

 

PSB is exposed to credit-related losses in the event of nonperformance by the counterparties to these agreements. PSB controls the credit risk of its financial contracts through credit approvals, limits, and monitoring procedures, and does not expect any counterparties to fail their obligations. PSB enters into agreements only with primary dealers. These derivative instruments are negotiated over-the-counter (OTC) contracts. Negotiated OTC derivative contracts are generally entered into between two counterparties that negotiate specific agreement terms, including the underlying instrument, amounts, exercise prices, and maturity.

 

As of December 31, PSB had the following outstanding interest rate swap that was entered into to hedge variable-rate debt:

 

   2013  2012
       
Notional amount  $7,500  $7,500
Pay fixed rate  2.72%  2.72%
Receive variable rate  0.24%  0.31%
Maturity  9/15/2017  9/15/2017
Unrealized loss (fair value)  $438  $699

 

This agreement provides for PSB to receive payments at a variable rate determined by the three-month LIBOR in exchange for making payments at a fixed rate. Actual maturities may differ from scheduled maturities due to call options and/or early termination provisions. No interest rate swap agreements were terminated prior to maturity in 2013 or 2012. Risk management results for the year ended December 31, 2013, related to the balance sheet hedging of variable rate debt indicates that the hedge was 100% effective, and no component of the derivative instrument’s gain or loss was excluded from the assessment of hedge effectiveness. At December 31, 2013, the fair value of the interest rate swap of $438 was recorded in other liabilities. Net unrealized gain on the derivative instrument recognized in other comprehensive income during the year ended December 31, 2013, totaled $46, net of tax. The net amount of other comprehensive loss reclassified into interest expense during the year ended December 31, 2013 was $113, net of tax. As of December 31, 2013, approximately $184 of losses reported in other comprehensive income related to the interest rate swap ($111 after tax benefits) are expected to be reclassified into interest expense as a yield adjustment of the hedged borrowings during the 12-month period ending December 31, 2014. The interest rate swap agreement was secured by cash and cash equivalents of $570 and $850 at December 31, 2013 and 2012, respectively.

 

During 2013, PSB reclassified $186 ($113 after tax impacts) of interest rate swap settlements which increased comprehensive income. The increase to comprehensive net income was recognized as a $186 ($113 after tax impacts) increase to interest expense on junior subordinated debentures on the statement of income during the year.

 

As of December 31, 2013 and 2012, PSB had a number of outstanding interest rate swaps with customers and correspondent banks associated with its lending activities that are not designed as hedges.

 

At December 31, the following floating interest rate swaps were outstanding with customers:

 

   2013  2012
       
Notional amount  $14,323  $14,979 
Receive fixed rate (average)  2.00%   1.99% 
Pay variable rate (average)  0.17%   0.21% 
Maturity  3/2015-10/2021   3/2015-10/2021 
Weighted average remaining term  2.9 years   3.9 years 
Unrealized gain fair value  $276  $673 

 

At December 31, the following offsetting fixed interest rate swaps were outstanding with correspondent banks:

 

   2013  2012
       
Notional amount  $14,323  $14,979
Pay fixed rate (average)  2.00%  1.99%
Receive variable rate (average)  0.17%  0.21%
Maturity  3/2015-10/2021  3/2015-10/2021
Weighted average remaining term  2.9 years  3.9 years
Unrealized loss fair value  ($276)  ($673)
XML 79 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
Securities (Tables)
 12 Months Ended
Dec. 31, 2013
Securities Tables  
Schedule of amortized cost and estimated fair value of investment securities

The amortized cost and estimated fair value of investment securities are as follows:

 

      Gross  Gross  Estimated
   Amortized  Unrealized  Unrealized  Fair
   Cost  Gains  Losses  Value
             
December 31, 2013            
             
Securities available for sale                    
                     
U.S. Treasury securities and obligations of                    
  U.S. government corporations and agencies  $1,001   $0   $2   $999 
U.S. agency issued residential mortgage-backed securities   21,388    522    424    21,486 
U.S. agency issued residential collateralized mortgage obligations   37,998    482    576    37,904 
Privately issued residential collateralized mortgage obligations   102    3    0    105 
Obligations of states and political subdivisions   159    0    0    159 
Nonrated SBA loan fund   950    0    0    950 
Other equity securities   47    0    0    47 
                     
Totals  $61,645   $1,007   $1,002   $61,650 
                     
Securities held to maturity                    
                     
Obligations of states and political subdivisions  $69,704   $1,059   $887   $69,876 
Nonrated trust preferred securities   1,524    30    165    1,389 
Nonrated senior subordinated notes   401    6    0    407 
                     
Totals  $71,629   $1,095   $1,052   $71,672 
                     
December 31, 2012                    
                     
Securities available for sale                    
                     
U.S. Treasury securities and obligations of                    
  U.S. government corporations and agencies  $9,998   $29   $0   $10,027 
U.S. agency issued residential mortgage-backed securities   13,550    847    0    14,397 
U.S. agency issued residential collateralized mortgage obligations   44,544    749    50    45,243 
Privately issued residential collateralized mortgage obligations   168    5    0    173 
Nonrated commercial paper   5,500    0    0    5,500 
Other equity securities   47    0    0    47 
                     
Totals  $73,807   $1,630   $50   $75,387 
                     
Securities held to maturity                    
                     
Obligations of states and political subdivisions  $67,915   $2,581   $41   $70,455 
Nonrated trust preferred securities   1,505    60    66    1,499 
Nonrated senior subordinated notes   402    8    0    410 
                     
Totals  $69,822   $2,649   $107   $72,364 
Schedule of securities in an unrealized loss position

The following table indicates the number of months securities that are considered to be temporarily impaired have been in an unrealized loss position at December 31:

 

   Less Than 12 Months  12 Months or More  Total
                   
   Fair  Unrealized  Fair  Unrealized  Fair  Unrealized
Description of Securities  Value  Loss  Value  Loss  Value  Loss
                   
2013                  
                   
Securities available for sale                              
                               
U.S. Treasury securities and obligations of                              
U.S. government corporations and agencies  $999   $2   $0   $0   $999   $2 
U.S. agency issued residential                              
mortgage-backed securities   13,206    424    0    0    13,206    424 
U.S. agency issued residential                              
collateralized mortgage obligations   14,179    334    5,830    242    20,009    576 
Obligations of states and political subdivisions   159    0    0    0    159    0 
                               
Totals  $28,543   $760   $5,830   $242   $34,373   $1,002 
                               
Securities held to maturity                              
                               
Obligations of states and political subdivisions  $23,017   $806   $1,073   $81   $24,090   $887 
Nonrated trust preferred securities   368    102    322    63    690    165 
                               
Totals  $23,385   $908   $1,395   $144   $24,780   $1,052 
                               
2012                              
                               
Securities available for sale                              
                               
U.S. agency issued residential                              
collateralized mortgage obligations  $8,130   $50   $0   $0   $8,130   $50 
                               
Securities held to maturity                              
                               
Obligations of states and political subdivisions  $5,639   $41   $0   $0   $5,639   $41 
Nonrated trust preferred securities   316    66    0    0    316    66 
                               
Totals  $5,955   $107   $0   $0   $5,955   $107 
Schedule of amortized cost and estimated fair value of debt securities and nonrated trust preferred securities by contractual maturity

The amortized cost and estimated fair value of debt securities and nonrated trust preferred securities and senior subordinated notes at December 31, 2013, by contractual maturity, are shown below.

 

   Available for Sale  Held to Maturity
      Estimated     Estimated
   Amortized  Fair  Amortized  Fair
   Cost  Value  Cost  Value
             
Due in one year or less  $0   $0   $3,312   $3,322 
Due after one year through five years   1,001    999    22,177    22,564 
Due after five years through ten years   0    0    39,678    39,728 
Due after ten years   159    159    6,462    6,058 
                     
Subtotals   1,160    1,158    71,629    71,672 
Mortgage-backed securities and collateralized mortgage obligations   59,488    59,495    0    0 
                     
Totals  $60,648   $60,653   $71,629   $71,672 
Schedule of amortization of unrealized gain on securities

Scheduled amortization at December 31, 2013, of the remaining unrealized gain is as follows:

 

2014  $335 
2015   274 
2016   194 
2017   115 
2018   68 
Thereafter   44 
      
Total  $1,030 
XML 80 R98.htm IDEA: XBRL DOCUMENT v2.4.0.8
Income Taxes (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Current income tax provision:      
Federal $ 1,246 $ 1,600 $ 1,915
State 450 535 606
Total current 1,696 2,135 2,521
Deferred income tax provision (benefit)      
Federal (132) 330 (60)
State 99 70 (40)
Total deferred (33) 400 (100)
Total provision for income taxes $ 1,663 $ 2,535 $ 2,421
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Self-Funded Health Insurance Plan
 12 Months Ended
Dec. 31, 2013
Self-Funded Health Insurance Plan  
Self-Funded Health Insurance Plan
NOTE 16 Self-Funded Health Insurance Plan

 

PSB has established an employee medical benefit plan to self-insure claims up to $65 per year for each individual with no stop-loss per year for participants in the aggregate. PSB and its covered employees contribute to the fund to pay the claims and stop-loss premiums. Medical benefit plan costs are expensed as incurred. The liability recognized for claims incurred but not yet paid was $77 and $84 as of December 31, 2013 and 2012, respectively. Health and dental insurance expense recorded in 2013, 2012, and 2011, was $1,130, $1,078, and $852, respectively.
XML 82 R68.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details 4) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Commercial Credit Exposure    
Loans receivable, commercial credit exposure $ 356,742 $ 344,933
High quality (risk rating 1)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 44 38
Minimal (risk rating 2)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 44,647 38,992
Average (risk rating 3)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 215,356 193,759
Acceptable (risk rating 4)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 64,247 81,235
Watch (risk rating 5)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 17,350 18,319
Substandard (risk rating 6)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 1,469 3,123
Impaired loans (risk rating 7)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 13,629 9,467
Commercial Loan
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 115,929 114,243
Commercial Loan | High quality (risk rating 1)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 44 38
Commercial Loan | Minimal (risk rating 2)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 24,085 16,360
Commercial Loan | Average (risk rating 3)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 51,745 51,846
Commercial Loan | Acceptable (risk rating 4)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 26,395 32,002
Commercial Loan | Watch (risk rating 5)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 8,146 8,271
Commercial Loan | Substandard (risk rating 6)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 654 617
Commercial Loan | Impaired loans (risk rating 7)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 4,860 5,109
Commercial Real Estate
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 212,850 183,818
Commercial Real Estate | High quality (risk rating 1)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Commercial Real Estate | Minimal (risk rating 2)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 19,249 20,193
Commercial Real Estate | Average (risk rating 3)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 145,673 103,454
Commercial Real Estate | Acceptable (risk rating 4)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 34,154 45,699
Commercial Real Estate | Watch (risk rating 5)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 7,572 8,291
Commercial Real Estate | Substandard (risk rating 6)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 815 2,179
Commercial Real Estate | Impaired loans (risk rating 7)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 5,387 4,002
Construction and Development
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 13,672 28,482
Construction and Development | High quality (risk rating 1)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Construction and Development | Minimal (risk rating 2)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 120 305
Construction and Development | Average (risk rating 3)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 8,863 22,573
Construction and Development | Acceptable (risk rating 4)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 2,917 3,318
Construction and Development | Watch (risk rating 5)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 1,632 1,757
Construction and Development | Substandard (risk rating 6)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure    327
Construction and Development | Impaired loans (risk rating 7)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 140 202
Agricultural
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 4,254 4,265
Agricultural | High quality (risk rating 1)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Agricultural | Minimal (risk rating 2)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 1,115 559
Agricultural | Average (risk rating 3)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 2,563 3,336
Agricultural | Acceptable (risk rating 4)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 424 216
Agricultural | Watch (risk rating 5)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Agricultural | Substandard (risk rating 6)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Agricultural | Impaired loans (risk rating 7)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 152 154
Government
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 10,037 14,125
Government | High quality (risk rating 1)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Government | Minimal (risk rating 2)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 78 1,575
Government | Average (risk rating 3)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 6,512 12,550
Government | Acceptable (risk rating 4)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure 357   
Government | Watch (risk rating 5)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Government | Substandard (risk rating 6)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure      
Government | Impaired loans (risk rating 7)
    
Commercial Credit Exposure    
Loans receivable, commercial credit exposure $ 3,090   
XML 83 R108.htm IDEA: XBRL DOCUMENT v2.4.0.8
Capital Requirements (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Consolidated
    
Total Capital    
Total Capital (to risk-weighted assets) $ 70,048 $ 73,636
Total Capital (to risk-weighted assets) ratio 13.88% 14.87%
Minimum amount of capital for adequacy purposes 40,365 39,615
Minimum amount of capital for adequacy purposes, ratio 8.00% 8.00%
Tier 1 Capital (to risk-weighted assets)    
Tier 1 Capital (to risk-weighted assets) 63,734 60,430
Tier 1 Capital (to risk-weighted assets) ratio 12.63% 12.20%
Minimum amount of Tier 1 Capital for adequacy purposes 20,182 19,813
Minimum amount of Tier 1 Capital for adequacy purposes, ratio 4.00% 4.00%
Tier 1 Capital (to average assets)    
Tier 1 Capital (to average assets) 63,734 60,430
Tier 1 Capital (to average assets) ratio 9.06% 8.76%
Minimum amount of Tier 1 Capital for adequacy purposes 28,130 27,594
Minimum amount of Tier 1 Capital for adequacy purposes, ratio 4.00% 4.00%
Peoples State Bank
    
Total Capital    
Total Capital (to risk-weighted assets) 72,321 71,032
Total Capital (to risk-weighted assets) ratio 14.35% 14.36%
Minimum amount of capital for adequacy purposes 40,312 39,572
Minimum amount of capital for adequacy purposes, ratio 8.00% 8.00%
Minimum Capital required to be well-capitalized under prompt corrective action provisions 50,390 49,465
Minimum Capital required to be well-capitalized under prompt corrective action provisions, ratio 10.00% 10.00%
Tier 1 Capital (to risk-weighted assets)    
Tier 1 Capital (to risk-weighted assets) 66,015 64,834
Tier 1 Capital (to risk-weighted assets) ratio 13.10% 13.11%
Minimum amount of Tier 1 Capital for adequacy purposes 20,156 19,782
Minimum amount of Tier 1 Capital for adequacy purposes, ratio 4.00% 4.00%
Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions 30,234 29,672
Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions, ratio 6.00% 6.00%
Tier 1 Capital (to average assets)    
Tier 1 Capital (to average assets) 66,015 64,834
Tier 1 Capital (to average assets) ratio 9.39% 9.35%
Minimum amount of Tier 1 Capital for adequacy purposes 28,130 27,736
Minimum amount of Tier 1 Capital for adequacy purposes, ratio 4.00% 4.00%
Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions $ 35,163 $ 34,671
Minimum Tier 1 Capital required to be well-capitalized under prompt corrective action provisions, ratio 5.00% 5.00%
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Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Statement of Stockholders' Equity [Abstract]      
Tax effect of unrealized gain (loss) on securities available for sale $ (613) $ (119) $ 71
Tax effect of reclassification adjustment for net security gain, included in net income 5    13
Tax effect of amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income 184 178 168
Tax effect of unrealized loss on interest rate swap 29 116 287
Tax effect of reclassification adjustment of interest rate swap settlements included in earnings $ 73 $ 68 $ 72
Percentage stock dividend   5.00%  
Cash dividend per share $ 0.78 $ 0.742 $ 0.705
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Consolidated Balance Sheets (Parenthetical) (USD $)
In Thousands, except Share data, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Statement of Financial Position [Abstract]    
Securities held to maturity, fair value $ 71,672 $ 72,364
Preferred stock, shares authorized 30,000 30,000
Common stock, stated par value $ 1.00 $ 1.00
Common Stock, shares authorized 6,000,000 3,000,000
Common Stock, shares issued 1,830,266 1,830,266
Common Stock, shares outstanding 1,651,518 1,653,472
Treasury stock, shares, at cost 178,748 176,794
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Deposits
 12 Months Ended
Dec. 31, 2013
Deposits:  
Deposits
NOTE 9 Deposits

 

The distribution of deposits at December 31 is as follows:

 

   2013  2012
       
Non-interest-bearing demand  $102,644   $89,819 
Interest-bearing demand (NOWs)   118,769    131,404 
Savings   57,658    53,799 
Money market   136,797    124,501 
Retail and local time   104,287    111,462 
Wholesale market and national time   57,359    54,457 
           
Total deposits  $577,514   $565,442 

 

The scheduled maturities of time deposits at December 31, 2013, are summarized as follows:

 

2014  $82,077 
2015   26,952 
2016   14,809 
2017   18,165 
2018   16,737 
Thereafter   2,906 
      
Total  $161,646 

 

Time deposits with individual balances of $100 and over totaled $103,207 and $102,424 at December 31, 2013 and 2012, respectively.

 

Deposits from PSB directors, executive officers, and related parties at December 31, 2013 and 2012 totaled $9,304 and $9,311, respectively.
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Commitments, Contingencies, and Credit Risk (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Commitments $ 119,443 $ 107,233
Commitments to Extend Credit - Fixed and variable rates
    
Commitments 89,645 74,121
Commerical Standby Letter of Credit - Variable Rate
    
Commitments 4,533 4,951
Unused Home Equity Lines of Credit
    
Commitments 24,082 22,999
Unused Credit Card Commitments - Variable Rate
    
Commitments 234 3,217
Credit Enhancement under the FHLB of Chicago Mortgage Partnership Finance Program
    
Commitments $ 949 $ 1,945
XML 89 R93.htm IDEA: XBRL DOCUMENT v2.4.0.8
Derivative Instruments and Hedging Activities (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Interest rate swaps to hedge variable-rate debt outstanding:    
Notional Amount $ 7,500 $ 7,500
Pay fixed rate 2.72% 2.72%
Receive variable rate 0.24% 0.31%
Interest Rate Swaps
    
Interest rate swaps to hedge variable-rate debt outstanding:    
Maturity Sep. 15, 2017 Sep. 15, 2017
Unrealized gain (loss) fair value $ (438) $ (699)
XML 90 R91.htm IDEA: XBRL DOCUMENT v2.4.0.8
Junior Subordinated Debentures (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Mar. 31, 2011
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2013
Junior Subordinated Debentures
Dec. 31, 2012
Junior Subordinated Debentures
Dec. 31, 2011
Junior Subordinated Debentures
Dec. 31, 2010
Junior Subordinated Debentures
Dec. 31, 2005
Junior Subordinated Debentures
Proceeds Notes issued                                       $ 7,732
Interest rate on notes payable                                       5.82%
Interest rate description                               LIBOR     Entered into a cash flow hedge to fix the payments of interest (excluding the credit spread) on the debentures for a seven-year period ending September 2017 at a rate of 2.72%. Including teh credit spread, teh net interest due on the notes until September 2017 will be equal to a fixed rate of 4.42%  
Spread on variable rate basis                               1.70%        
Net interest rate                               4.42%        
Interest expense $ 1,363 $ 1,350 $ 1,375 $ 1,423 $ 1,643 $ 1,770 $ 1,799 $ 1,879 $ 2,003 $ 2,228 $ 2,247 $ 2,279 $ 5,511 $ 7,091 $ 8,757 $ 341 $ 342 $ 341    
XML 91 R119.htm IDEA: XBRL DOCUMENT v2.4.0.8
Condensed Parent Company Only Financial Statements (Details 1) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Mar. 31, 2011
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Expenses                              
Interest expense on senior subordinated notes                         $ 184 $ 578 $ 567
Interest expense on junior subordinated debentures                         341 342 341
Other operating expense                         2,598 2,941 2,364
Recognition of income tax benefit                         1,663 2,535 2,421
Net income 1,561 13 1,561 1,609 1,685 1,226 1,918 1,180 1,400 1,394 1,226 1,285 4,744 6,009 5,305
The Corporation
                              
Income                              
Dividend from Peoples State Bank                         4,000 7,700 2,875
Dividends from other investments                         6 5 6
Interest                         5 10 6
Total income                         4,011 7,715 2,887
Expenses                              
Interest on other borrowings                         54      
Interest expense on senior subordinated notes                         184 578 567
Interest expense on junior subordinated debentures                         341 342 341
Transfer agent and shareholder communication                         47 68 38
Other operating expense                         136 348 95
Total expenses                         762 1,336 1,041
Income before income taxes and equity in undistributed net income of Peoples State Bank                         3,249 6,379 1,846
Recognition of income tax benefit                         293 431 402
Net income before equity in undistributed net income of Peoples State Bank                         3,542 6,810 2,248
Equity in undistributed net income of Peoples State Bank                         1,202 (801) 3,057
Net income                         $ 4,744 $ 6,009 $ 5,305
XML 92 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
Document and Entity Information (USD $)
In Thousands, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Mar. 17, 2014
Jun. 30, 2013
Document And Entity Information      
Entity Registrant Name PSB HOLDINGS INC /WI/    
Entity Central Index Key 0000948368    
Document Type 10-K    
Document Period End Date Dec. 31, 2013    
Amendment Flag false    
Current Fiscal Year End Date --12-31    
Is Entity a Well-known Seasoned Issuer? No    
Is Entity a Voluntary Filer? No    
Is Entity's Reporting Status Current? Yes    
Entity Filer Category Smaller Reporting Company    
Entity Public Float     $ 44,660
Entity Common Stock, Shares Outstanding   1,658,157  
Document Fiscal Period Focus FY    
Document Fiscal Year Focus 2013    
XML 93 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
Federal Home Loan Bank Advances
 12 Months Ended
Dec. 31, 2013
Federal Home Loan Bank Advances  
Federal Home Loan Bank Advances
NOTE 10 Federal Home Loan Bank Advances

 

FHLB advances at December 31 consist of the following:

 

         Weighted   
   Scheduled  Range of  Average   
   Maturity  Rates  Rate  Amount
             
2013            
             
Fixed rate, interest only  2014  2.69%-3.45%  3.18%  $31,049 
Variable rate, interest only  2014  1.33%  1.33%   5,000 
Fixed rate, interest only  2018  1.92%  1.92%   2,000 
               
Totals        2.87%  $38,049 
               
2012              
               
Fixed rate, interest only  2013  2.58%-3.75%  3.09%  $8,075 
Variable rate, interest only  2013  1.13%  1.13%   6,000 
Fixed rate, interest only  2014  2.69%-3.45%  3.18%   31,049 
Variable rate, interest only  2014  1.40%  1.40%   5,000 
               
Totals        2.74%  $50,124 

 

PSB also provides letters of credit to municipal deposit customers which are secured by a FHLB guarantee of payment to the depositor in the event of PSB default. PSB had $6,920 of FHLB public unit deposit letters of credit outstanding at December 31, 2013, which mature during 2014. No FHLB letters of credit were outstanding at December 31, 2012.

 

FHLB advances are subject to a prepayment penalty if they are repaid prior to maturity. PSB may draw upon an FHLB open line of credit or provide public unit deposit letters of credit up to approximately 65% of unencumbered one- to four-family residential first mortgage loans and 40% of residential junior mortgage loans pledged as collateral out of its portfolio. The FHLB advances are also secured by $2,556 of FHLB stock owned by PSB at December 31, 2013. PSB may draw both short-term and long-term advances on a maximum line of credit totaling approximately $100,862 based on pledged performing residential real estate mortgage collateral totaling $167,882 as of December 31, 2013. At December 31, 2013, PSB’s available and unused portion of this line of credit totaled approximately $54,944. PSB also has, under a current agreement with the FHLB, an ability to borrow up to $35,822 by pledging securities.

 

At December 31, 2013, FHLB advances drawn by PSB totaling greater than $51,124 would require PSB to purchase additional shares of FHLB capital stock. Transfer of FHLB stock is substantially restricted.
XML 94 R80.htm IDEA: XBRL DOCUMENT v2.4.0.8
Premises and Equipment (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Premises and equipment, gross $ 16,414 $ 16,592
Less: Accumulated depreciation and amortization 6,745 6,352
Premises and equipment, net 9,669 10,240
Land
    
Premises and equipment, gross 2,261 2,306
Buildings and improvements
    
Premises and equipment, gross 9,379 9,596
Furniture and Equipment
    
Premises and equipment, gross 3,084 3,099
Computer Hardware and Software
    
Premises and equipment, gross $ 1,690 $ 1,591
XML 95 R90.htm IDEA: XBRL DOCUMENT v2.4.0.8
Senior Subordinated Notes (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended 3 Months Ended 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Mar. 31, 2013
Senior Subordinated Notes
Dec. 31, 2013
Senior Subordinated Notes
Dec. 31, 2009
Senior Subordinated Notes
Dec. 31, 2012
Senior Subordinated Notes
Proceeds Notes issued       $ 6,000 $ 4,000 $ 7,000  
Interest rate on notes payable         3.75% 8.00%  
Repayments of notes, cash 3,000         1,000    
Amortizing term note to Bankers' Bank, Madison, WI         2,000    
Notes payable to related parties         $ 4,000   $ 3,250
XML 96 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Interest and dividend income:      
Loans, including fees $ 23,126 $ 23,458 $ 24,480
Securities:      
Taxable 2,098 2,402 2,637
Tax-exempt 1,511 1,293 1,125
Other interest and dividends 81 91 72
Total interest and dividend income 26,816 27,244 28,314
Interest expense:      
Deposits 3,051 4,161 5,428
Federal Home Loan Bank advances 1,285 1,414 1,776
Other borrowings 650 596 645
Senior subordinated notes 184 578 567
Junior subordinated debentures 341 342 341
Total interest expense 5,511 7,091 8,757
Net interest income 21,305 20,153 19,557
Provision for loan losses 4,015 785 1,390
Net interest income after provision for loan losses 17,290 19,368 18,167
Noninterest income:      
Service fees 1,580 1,648 1,632
Mortgage banking, net 1,591 1,795 1,373
Investment and insurance sales commissions 944 736 631
Net gain on sale of securities 12    32
Increase in cash surrender value of bank-owned life insurance 402 407 415
Gain on bargain purchase    851   
Other operating income 1,094 1,131 1,254
Total noninterest income 5,623 6,568 5,337
Noninterest expense:      
Salaries and employee benefits 9,069 9,169 8,337
Occupancy and facilities 1,762 1,622 1,702
Loss on foreclosed assets 428 573 1,197
Data processing and other office operations 1,862 2,296 1,382
Advertising and promotion 335 327 291
FDIC insurance premiums 452 464 505
Other operating expense 2,598 2,941 2,364
Total noninterest expense 16,506 17,392 15,778
Income before provision for income taxes 6,407 8,544 7,726
Provision for income taxes 1,663 2,535 2,421
Net income $ 4,744 $ 6,009 $ 5,305
Basic earnings per share $ 2.87 $ 3.61 $ 3.21
Diluted earnings per share $ 2.87 $ 3.61 $ 3.21
XML 97 R12.htm IDEA: XBRL DOCUMENT v2.4.0.8
Securities
 12 Months Ended
Dec. 31, 2013
Securities  
Securities
NOTE 4 Securities

 

The amortized cost and estimated fair value of investment securities are as follows:

 

      Gross  Gross  Estimated
   Amortized  Unrealized  Unrealized  Fair
   Cost  Gains  Losses  Value
             
December 31, 2013            
             
Securities available for sale                    
                     
U.S. Treasury securities and obligations of                    
  U.S. government corporations and agencies  $1,001   $0   $2   $999 
U.S. agency issued residential mortgage-backed securities   21,388    522    424    21,486 
U.S. agency issued residential collateralized mortgage obligations   37,998    482    576    37,904 
Privately issued residential collateralized mortgage obligations   102    3    0    105 
Obligations of states and political subdivisions   159    0    0    159 
Nonrated SBA loan fund   950    0    0    950 
Other equity securities   47    0    0    47 
                     
Totals  $61,645   $1,007   $1,002   $61,650 
                     
Securities held to maturity                    
                     
Obligations of states and political subdivisions  $69,704   $1,059   $887   $69,876 
Nonrated trust preferred securities   1,524    30    165    1,389 
Nonrated senior subordinated notes   401    6    0    407 
                     
Totals  $71,629   $1,095   $1,052   $71,672 
                     
December 31, 2012                    
                     
Securities available for sale                    
                     
U.S. Treasury securities and obligations of                    
  U.S. government corporations and agencies  $9,998   $29   $0   $10,027 
U.S. agency issued residential mortgage-backed securities   13,550    847    0    14,397 
U.S. agency issued residential collateralized mortgage obligations   44,544    749    50    45,243 
Privately issued residential collateralized mortgage obligations   168    5    0    173 
Nonrated commercial paper   5,500    0    0    5,500 
Other equity securities   47    0    0    47 
                     
Totals  $73,807   $1,630   $50   $75,387 
                     
Securities held to maturity                    
                     
Obligations of states and political subdivisions  $67,915   $2,581   $41   $70,455 
Nonrated trust preferred securities   1,505    60    66    1,499 
Nonrated senior subordinated notes   402    8    0    410 
                     
Totals  $69,822   $2,649   $107   $72,364 

 

Fair values of securities are estimated based on financial models or prices paid for similar securities. It is possible future interest rates could change considerably resulting in a material change in the estimated fair value.

 

Nonrated trust preferred securities at December 31, 2013 and 2012, consist of separate obligations issued by three holding companies headquartered in Wisconsin. Nonrated senior subordinated notes at December 31, 2013 and 2012, consist of one obligation issued by a Wisconsin state chartered bank. All issues of nonrated trust preferred securities or senior subordinated notes were current as to principal and interest payments as of December 31, 2013 and 2012.

 

The following table indicates the number of months securities that are considered to be temporarily impaired have been in an unrealized loss position at December 31:

 

   Less Than 12 Months  12 Months or More  Total
                   
   Fair  Unrealized  Fair  Unrealized  Fair  Unrealized
Description of Securities  Value  Loss  Value  Loss  Value  Loss
                   
2013                  
                   
Securities available for sale                              
                               
U.S. Treasury securities and obligations of                              
U.S. government corporations and agencies  $999   $2   $0   $0   $999   $2 
U.S. agency issued residential                              
mortgage-backed securities   13,206    424    0    0    13,206    424 
U.S. agency issued residential                              
collateralized mortgage obligations   14,179    334    5,830    242    20,009    576 
Obligations of states and political subdivisions   159    0    0    0    159    0 
                               
Totals  $28,543   $760   $5,830   $242   $34,373   $1,002 
                               
Securities held to maturity                              
                               
Obligations of states and political subdivisions  $23,017   $806   $1,073   $81   $24,090   $887 
Nonrated trust preferred securities   368    102    322    63    690    165 
                               
Totals  $23,385   $908   $1,395   $144   $24,780   $1,052 
                               
2012                              
                               
Securities available for sale                              
                               
U.S. agency issued residential                              
collateralized mortgage obligations  $8,130   $50   $0   $0   $8,130   $50 
                               
Securities held to maturity                              
                               
Obligations of states and political subdivisions  $5,639   $41   $0   $0   $5,639   $41 
Nonrated trust preferred securities   316    66    0    0    316    66 
                               
Totals  $5,955   $107   $0   $0   $5,955   $107 

 

At December 31, 2013, 167 debt securities had unrealized losses with aggregate depreciation of 3.36% from the amortized cost basis, compared to 35 debt securities which had unrealized losses with aggregate depreciation of 1.10% from the amortized cost basis at December 31, 2012. These unrealized losses relate principally to an increase in interest rates relative to interest rates in effect at the time of purchase or reclassification from available-for-sale to held-to-maturity classification and are not due to changes in the financial condition of the issuers. However, the unrealized loss on nonrated trust preferred securities is due to an increase in credit spreads for risk on such investments demanded in the market. In analyzing an issuer’s financial condition, management considers whether the securities are issued by a government body or agency, whether a rating agency has downgraded the securities, industry analysts’ reports, and internal review of issuer financial statements. Since management does not intend to sell and has the ability to hold debt securities until maturity (or the foreseeable future for securities available for sale), no declines are deemed to be other than temporary.

 

The amortized cost and estimated fair value of debt securities and nonrated trust preferred securities and senior subordinated notes at December 31, 2013, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

   Available for Sale  Held to Maturity
      Estimated     Estimated
   Amortized  Fair  Amortized  Fair
   Cost  Value  Cost  Value
             
Due in one year or less  $0   $0   $3,312   $3,322 
Due after one year through five years   1,001    999    22,177    22,564 
Due after five years through ten years   0    0    39,678    39,728 
Due after ten years   159    159    6,462    6,058 
                     
Subtotals   1,160    1,158    71,629    71,672 
Mortgage-backed securities and collateralized mortgage obligations   59,488    59,495    0    0 
                     
Totals  $60,648   $60,653   $71,629   $71,672 

 

Securities with a fair value of $47,593 and $44,914 at December 31, 2013 and 2012, respectively, were pledged to secure public deposits, other borrowings, and for other purposes required by law.

 

During 2013, PSB realized a gain of $12 ($7 after tax expense) from proceeds totaling $986 on the sale of securities available for sale. There were no sales of securities during 2012. During 2011, PSB realized a gain of $32 ($19 after tax expense) from the sale of its remaining investment in FNMA preferred stock generating proceeds of $37.

 

During 2013, PSB reclassified $12 ($7 after tax impacts) to reduce comprehensive net income following a gain on sale of securities available for sale. The reduction to comprehensive net income was recognized as a $12 ($7 after tax impacts) gain on sale of securities on the statement of income during the year.

 

During 2010, PSB transferred all of its municipal, trust preferred, and senior subordinated note securities from the available-for-sale classification to the held-to-maturity classification to better reflect its intent and practice to hold these long-term debt securities until maturity. Fair value of the securities was $54,130 at the time of the transfer, which included a $2,552 unrealized gain over the existing amortized cost basis. The unrealized gain will be amortized against the new cost basis (equal to transfer date fair value) over the remaining life of the securities.

 

Scheduled amortization at December 31, 2013, of the remaining unrealized gain is as follows:

 

2014  $335 
2015   274 
2016   194 
2017   115 
2018   68 
Thereafter   44 
      
Total  $1,030 
XML 98 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
Cash And Cash Equivalents
 12 Months Ended
Dec. 31, 2013
Cash and Cash Equivalents [Abstract]  
Cash And Cash Equivalents
NOTE 3 Cash And Cash Equivalents

 

PSB is required to maintain a certain reserve balance, in cash or on deposit with the Federal Reserve Bank, based upon a percentage of transactional deposits. As of December 31, 2013, PSB had a required reserve of $905, which was satisfied by cash balances of $1,694.

 

PSB is also required to provide collateral on interest rate swap agreement liabilities with counterparties. The total required collateral on deposit with counterparties before any offset against related swap liabilities was $570 at December 31, 2013, and $1,060 at December 31, 2012.

 

In the normal course of business, PSB maintains cash and due from bank balances with correspondent banks. PSB also maintains cash balances in money market mutual funds. Such balances are not insured. Total uninsured cash and cash equivalent balances totaled $12,045 and $515 at December 31, 2013 and 2012, respectively. At December 31, 2012, some of the correspondent banks were participating in the Federal Deposit Insurance Corporation’s (FDIC) Transaction Account Guarantee (TAG) program. Consequently, the majority of account balances with correspondent banks, except the FHLB, were guaranteed at December 31, 2012. If the TAG program had not been in effect, uninsured cash and cash equivalent balances would have been $18,112 at December 31, 2012. The TAG program expired on January 1, 2013.
XML 99 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
Retirement and Deferred Compensation Plans
 12 Months Ended
Dec. 31, 2013
Retirement And Deferred Compensation Plans  
Retirement and Deferred Compensation Plans
NOTE 15 Retirement and Deferred Compensation Plans

 

PSB has established a 401(k) profit sharing plan for its employees. PSB matches 100% of employees’ salary deferrals up to the first 1% of pay deferred and 50% of salary deferrals of the next 5% of pay deferrals, for a maximum match of 3.5% of salary. PSB also may declare a discretionary profit sharing contribution. The expense recognized for contributions to the plan for the years ended December 31, 2013, 2012, and 2011 was $446, $509, and $470, respectively.

 

PSB maintains deferred compensation agreements with certain executives and directors. PSB matches 20% of the amount of employees’ salary deferrals up to the first 15% of pay deferred. PSB directors may elect to defer earned directors’ fees into a separate deferred directors’ fees plan. No PSB match is made on deferred directors’ fees. Cumulative deferred balances earn a crediting rate generally equal to 100% of PSB’s return on average equity until retirement or separation from service. The agreements provide for benefits to be paid in a lump sum at retirement or in monthly installments for a period up to 15 years following each participant’s normal retirement date with interest payable at a fixed interest rate ranging from 7% to 8%. PSB is accruing this liability over the participant’s remaining periods of service. The liability outstanding under the agreements was $3,155 and $2,855 at December 31, 2013 and 2012, respectively. The amount charged to operations was $270, $301, and $232 for 2013, 2012, and 2011, respectively.
XML 100 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
Other Borrowings
 12 Months Ended
Dec. 31, 2013
Other Borrowings  
Other Borrowings
NOTE 11 Other Borrowings

 

Other borrowings consist of the following obligations at December 31 as follows:

 

   2013  2012
       
Short-term repurchase agreements  $5,441   $7,228 
Bank stock term loan   1,500    0 
Wholesale structured repurchase agreements   13,500    13,500 
           
Total other borrowings  $20,441   $20,728 

 

PSB pledges various securities available for sale as collateral for repurchase agreements. The fair value of securities pledged for repurchase agreements totaled $22,699 and $21,931 at December 31, 2013 and 2012, respectively.

 

The following information relates to securities sold under repurchase agreements for the years ended December 31:

 

   2013  2012
       
As of end of year:          
Weighted average rate   3.08%    2.81% 
For the year:          
Highest month-end balance  $24,100   $20,728 
Daily average balance  $21,862   $19,190 
Weighted average rate   2.97%    3.11% 

 

The wholesale structured repurchase agreements are with JP Morgan Chase Bank N.A. and carry fixed rates. The repurchase agreements may be put back by the issuer to PSB for repayment on a quarterly basis. The following information relates to the terms of wholesale structured repurchase agreements issued at December 31, 2013:

 

Maturity Date  Current Rate  Amount
       
November 1, 2014  4.335%  $8,000 
November 1, 2017  4.090%   5,500 
         
Totals  4.235%  $13,500 

 

PSB has an agreement with the Federal Reserve to participate in their “Borrower in Custody” program in which performing commercial and commercial real estate loans may be pledged against short-term Discount Window advances. At December 31, 2013, the maximum amount of available advances from the Discount Window totaled $100,000, subject to available collateral pledged under the Borrower in Custody program or pledge of qualifying investment securities. At December 31, 2013, PSB had pledged $120,269 of commercial purpose loans in the program, which permitted Discount Window advances up to $89,875 against this collateral. No investment securities were pledged against the line at December 31, 2013 or 2012. There were no Discount Window advances outstanding at December 31, 2013 or 2012.

 

PSB maintains a line of credit at the parent holding company level with Bankers’ Bank, Madison, Wisconsin, for advances up to $3,000 which expires on December 30, 2014, and is secured by a pledge of PSB Holdings, Inc.’s investment in the common stock of the Bank. The line carries a variable rate of interest based on changes in the three-month London InterBank Offered Rate (LIBOR). As of December 31, 2013 and 2012, no advances were outstanding on the line of credit. Draws on the line of credit are subject to several restrictive covenants including minimum regulatory capital ratios, minimum capital and loan loss allowances to nonperforming assets, and minimum loan loss allowances to nonperforming assets. PSB did not violate any of the covenants at December 31, 2013 or 2012.

 

PSB has a term loan outstanding at the parent holding company level payable to Bankers’ Bank with semiannual installments of principal that was originated during 2013. Principal payments due are $1,000 in 2014 and $500 in 2015. Total interest expense on the term note totaled $54 during 2013.
XML 101 R84.htm IDEA: XBRL DOCUMENT v2.4.0.8
Federal Home Loan Bank Advances (Details Narrative) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Federal Home Loan Bank Advances Details Narrative    
FHLB public unit deposit letters of credit outstanding $ 6,920  
Federal Home Loan Bank stock (at cost) 2,556 2,506
Maximum line of credit - FHLB advances 100,862  
Residential real estate mortgage collateral pledged to FHLB line of credit advances 167,882  
Available and unused portion of FHLB line of credit advances 54,944  
Current agreement with FHLB, additional borrowing capacity by pledging securities 35,822  
FHLB advances drawn which rquire additional purchases of FHLB capital stock $ 51,124  
XML 102 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
Mortgage Servicing Rights
 12 Months Ended
Dec. 31, 2013
Mortgage Servicing Rights  
Mortgage Servicing Rights
NOTE 7 Mortgage Servicing Rights

 

Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balances of residential mortgage loans serviced for FHLB and FNMA were $272,280 and $269,554 at December 31, 2013 and 2012, respectively. The following is a summary of changes in the balance of MSRs:

 

   Originated  Valuation   
   MSR  Allowance  Total
          
Balance at January 1, 2011  $1,303   ($203)  $1,100 
                
Additions from originated servicing   419    0    419 
Amortization charged to earnings   (436)   0    (436)
Change in valuation allowance credited to earnings   0    122    122 
                
Balance at December 31, 2011   1,286    (81)   1,205 
                
Additions from originated servicing   774    0    774 
Amortization charged to earnings   (547)   0    (547)
Change in valuation allowance charged to earnings   0    (199)   (199)
                
Balance at December 31, 2012   1,513    (280)   1,233 
                
Additions from originated servicing   625    0    625 
Amortization charged to earnings   (421)   0    (421)
Change in valuation allowance credited to earnings   0    259    259 
                
Balance at December 31, 2013  $1,717   ($21)  $1,696 

 

The table below summarizes the components of PSB’s mortgage banking income for the three years ended December 31.

 

   Years Ending December 31,
   2013  2012  2011
          
Cash gain on sale of mortgage loans  $826   $1,113   $642 
Originated mortgage servicing rights   625    774    419 
Increase (decrease) in accrued mortgage rate lock commitments   (78)   31    3 
                
Gain on sale of mortgage loans   1,373    1,918    1,064 
                
Mortgage servicing fee income   674    649    645 
Provision for representation and warranty losses on serviced loans   (294)   (28)   (38)
FHLB credit enhancement fee income   0    2    16 
Amortization of mortgage servicing rights   (421)   (547)   (436)
Decrease (increase) in servicing right valuation allowance   259    (199)   122 
                
Loan servicing fee income, net   218    (123)   309 
                
Mortgage banking income, net  $1,591   $1,795   $1,373 
XML 103 R60.htm IDEA: XBRL DOCUMENT v2.4.0.8
Securities (Details 1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Securities available for sale    
Fair Value Less Than 12 Months $ 28,543  
Unrealized Loss Less Than 12 Months 760  
Fair Value 12 Months or Longer 5,830  
Unrealized Loss 12 Months or Longer 242  
Total Fair Value 34,373  
Total Unrealized Loss 1,002  
Securities Held to Maturity    
Fair Value Less Than 12 Months 23,385 5,955
Unrealized Loss Less Than 12 Months 908 107
Fair Value 12 Months or Longer 1,395   
Unrealized Loss 12 Months or Longer 144   
Total Fair Value 24,780 5,955
Total Unrealized Loss 1,052 107
US Treasury securities and obligations of US Government corporations and agencies
    
Securities available for sale    
Fair Value Less Than 12 Months 999  
Unrealized Loss Less Than 12 Months 2  
Fair Value 12 Months or Longer     
Unrealized Loss 12 Months or Longer     
Total Fair Value 999  
Total Unrealized Loss 2  
US agency issued residential mortgage-backed securities
    
Securities available for sale    
Fair Value Less Than 12 Months 13,206 8,130
Unrealized Loss Less Than 12 Months 424 50
Fair Value 12 Months or Longer      
Unrealized Loss 12 Months or Longer      
Total Fair Value 13,206 8,130
Total Unrealized Loss 424 50
US agency issued residential collateralized mortgage obligations
    
Securities available for sale    
Fair Value Less Than 12 Months 14,179  
Unrealized Loss Less Than 12 Months 334  
Fair Value 12 Months or Longer 5,830  
Unrealized Loss 12 Months or Longer 242  
Total Fair Value 20,009  
Total Unrealized Loss 576  
Obligations of states and political subdivisions
    
Securities available for sale    
Fair Value Less Than 12 Months 159  
Unrealized Loss Less Than 12 Months     
Fair Value 12 Months or Longer     
Unrealized Loss 12 Months or Longer     
Total Fair Value 159  
Total Unrealized Loss     
Securities Held to Maturity    
Fair Value Less Than 12 Months 23,017 5,639
Unrealized Loss Less Than 12 Months 806 41
Fair Value 12 Months or Longer 1,073   
Unrealized Loss 12 Months or Longer 81   
Total Fair Value 24,090 5,639
Total Unrealized Loss 887 41
Nonrated trust preferred securities
    
Securities Held to Maturity    
Fair Value Less Than 12 Months 368 316
Unrealized Loss Less Than 12 Months 102 66
Fair Value 12 Months or Longer 322   
Unrealized Loss 12 Months or Longer 63   
Total Fair Value 690 316
Total Unrealized Loss $ 165 $ 66
XML 104 R110.htm IDEA: XBRL DOCUMENT v2.4.0.8
Earnings Per Share (Details) (USD $)
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Mar. 31, 2011
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Earnings Per Share Details                              
Weighted average shares outstanding                         1,652,700 1,663,147 1,652,861
Effect of dilutive stock options outstanding                            58 858
Diluted weighted average shares outstanding                         1,652,700 1,663,205 1,653,719
Basic earnings per share $ 0.95 $ 0.01 $ 0.95 $ 0.97 $ 1.01 $ 0.74 $ 1.15 $ 0.70 $ 0.85 $ 0.85 $ 0.74 $ 0.78 $ 2.87 $ 3.61 $ 3.21
Diluted earnings per share $ 0.95 $ 0.01 $ 0.95 $ 0.97 $ 1.01 $ 0.74 $ 1.15 $ 0.70 $ 0.85 $ 0.84 $ 0.74 $ 0.78 $ 2.87 $ 3.61 $ 3.21
XML 105 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans
 12 Months Ended
Dec. 31, 2013
Loans  
Loans
NOTE 5 Loans

 

The composition of loans at December 31 categorized by the type of the loan is as follows:

 

   2013  2012
         
Commercial, industrial, and municipal  $130,220   $132,633 
Commercial real estate mortgage   212,850    183,818 
Commercial construction and development   13,672    28,482 
Residential real estate mortgage   123,980    105,579 
Residential construction and development   18,277    15,247 
Residential real estate home equity   20,677    21,756 
Consumer and individual   3,567    4,715 
           
Subtotals – Gross loans   523,243    492,230 
Loans in process of disbursement   (6,895)   (7,039)
           
Subtotals – Disbursed loans   516,348    485,191 
Net deferred loan costs   315    231 
Allowance for loan losses   (6,783)   (7,431)
           
Net loans receivable  $509,880   $477,991 

 

PSB originates and holds adjustable rate residential mortgage loans and commercial purpose loans with variable rates of interest. The rate of interest on some of these loans is capped over the life of the loan. At December 31, 2013 and 2012, PSB held $4,553 and $5,954, respectively, of variable rate loans with interest rate caps. At December 31, 2013 and 2012, none of the loans had reached the interest rate cap.

 

PSB, in the ordinary course of business, grants loans to its executive officers and directors, including their families and firms in which they are principal owners. All loans to executive officers and directors are made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with others and, in the opinion of management, did not involve more than the normal risk of collectibility or present other unfavorable features. Activity in such loans is summarized below:

 

   2013  2012
         
Loans outstanding at beginning  $7,371   $9,958 
New loans   3,519    4,485 
Repayments   (4,227)   (7,072)
           
Loans outstanding at end  $6,663   $7,371 

 

At December 31, 2013 and 2012, PSB had total loans receivable of approximately $4,595 and $4,875, respectively, from one related party

 

The following is a summary of information pertaining to impaired loans and nonperforming loans:

   December 31, 
   2013  2012  2011
             
Impaired loans without a valuation allowance  $9,303   $3,410   $5,474 
Impaired loans with a valuation allowance   6,472    9,029    11,745 
                
Total impaired loans before valuation allowances   15,775    12,439    17,219 
Valuation allowance related to impaired loans   2,108    2,434    3,178 
                
Net impaired loans  $13,667   $10,005   $14,041 

 

   Years Ended December 31,
   2013  2012  2011
          
Average recorded investment, net of allowance for loan losses  $14,109   $12,026   $12,965 
                
Interest income recognized  $534   $569   $597 
                
Interest income recognized on a cash basis on impaired loans  $0   $0   $0 

 

At December 31, 2013, $201 of funds were committed to be advanced on remaining available lines of credit in connection with impaired loans, while $214 of funds were committed to be advanced on remaining available lines of credit in connection with impaired loans at December 31, 2012.

 

Total loans receivable (including nonaccrual impaired loans) maintained on nonaccrual status as of December 31, 2013 and 2012 were $7,340 and $7,715, respectively. There were no loans past due 90 days or more but still accruing income at December 31, 2013 and 2012.

 

A summary analysis of the allowance for loan losses for the three years ended December 31 follows:

 

   2013  2012  2011
          
Balance, January 1  $7,431   $7,941   $7,960 
Provision charged to operating expense   4,015    785    1,390 
Recoveries on loans   80    37    178 
Loans charged off   (4,743)   (1,332)   (1,587)
                
Balance, December 31  $6,783   $7,431   $7,941 

 

Detailed allowance for loan losses activity for the years ended December 31, 2013, 2012, and 2011, follows:

 

   2013
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,014   $2,803   $1,511   $103   $0   $7,431 
Provision   3,435    (9)   556    33    0    4,015 
Recoveries   29    33    6    12    0    80 
Charge-offs   (3,650)   (174)   (850)   (69)   0    (4,743)
                               
Ending balance  $2,828   $2,653   $1,223   $79   $0   $6,783 
                               
Individually evaluated for impairment  $1,167   $695   $228   $18   $0   $2,108 
                               
Collectively evaluated for impairment  $1,661   $1,958   $995   $61   $0   $4,675 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $8,102   $5,527   $2,129   $17   $0   $15,775 
                               
Collectively evaluated for impairment  $122,118   $220,995   $160,805   $3,550   $0   $507,468 

 

 

   2012
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,406   $3,175   $1,242   $118   $0   $7,941 
Provision   (270)   142    877    36    0    785 
Recoveries   6    4    21    6    0    37 
Charge-offs   (128)   (518)   (629)   (57)   0    (1,332)
                               
Ending balance  $3,014   $2,803   $1,511   $103   $0   $7,431 
                               
Individually evaluated for impairment  $1,327   $674   $407   $26   $0   $2,434 
                               
Collectively evaluated for impairment  $1,687   $2,129   $1,104   $77   $0   $4,997 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $5,263   $4,204   $2,946   $26   $0   $12,439 
                               
Collectively evaluated for impairment  $127,370   $208,096   $139,636   $4,689   $0   $479,791 

 

 

   2011
      Commercial  Residential         
   Commercial  Real Estate  Real Estate  Consumer  Unallocated  Total
                   
Allowance for loan losses:                              
                               
Beginning balance  $3,862   $3,674   $211   $213   $0   $7,960 
Provision   245    (269)   1,398    16    0    1,390 
Recoveries   166    6    0    6    0    178 
Charge-offs   (867)   (236)   (367)   (117)   0    (1,587)
                               
Ending balance  $3,406   $3,175   $1,242   $118   $0   $7,941 
                               
Individually evaluated for impairment  $1,663   $885   $615   $15   $0   $3,178 
                               
Collectively evaluated for impairment  $1,743   $2,290   $627   $103   $0   $4,763 
                               
Loans receivable (gross):                              
                               
Individually evaluated for impairment  $6,484   $8,063   $2,603   $69   $0   $17,219 
                               
Collectively evaluated for impairment  $120,708   $196,375   $112,123   $3,663   $0   $432,869 

 

PSB maintains an independent credit administration staff that continually monitors aggregate commercial loan portfolio and individual borrower credit quality trends. All commercial purpose loans are assigned a credit grade upon origination, and credit grades for nonproblem borrowers with aggregate credit in excess of $500 are reviewed annually. In addition, all past due, restructured, or identified problem loans, both commercial and consumer purpose, are reviewed and assigned an up-to-date credit grade quarterly.

 

PSB uses a seven point grading scale to estimate credit risk with risk rating 1, representing the high credit quality, and risk rating 7, representing the lowest credit quality. The assigned credit grade takes into account several credit quality components which are assigned a weight and blended into the composite grade. The factors considered and their assigned weight for the final composite grade is as follows:

 

Cash flow (30% weight) – Considers earnings trends and debt service coverage levels.

 

Collateral (25% weight) – Considers loan-to-value and other measures of collateral coverage.

 

Leverage (15% weight) – Considers balance sheet debt and capital ratios compared to Robert Morris & Associates (RMA) industry medians.

 

Liquidity (10% weight) – Considers balance sheet current, quick, and other working capital ratios compared to RMA industry medians.

 

Management (5% weight) – Considers the past performance, character, and depth of borrower management.

 

Guarantor (5% weight) – Considers the existence of a guarantor along with a bank’s past experience with the guarantor and his related liquidity and credit score.

 

Financial reporting (5% weight) – Considers the relative level of independent financial review obtained by the borrower on its financial statements, from audited financial statements down to existence of only tax returns or potentially unreliable financial information.

 

Industry (5% weight) – Considers the borrower’s industry and whether it is stable or subject to cyclical or seasonal factors.

 

Nonclassified loans are assigned a risk rating of 1 to 4 and have credit quality that ranges from well above average to some inherent industry weaknesses that may present higher than average risk due to conditions affecting the borrower, the borrower’s industry, or economic development.

 

Special mention and watch loans are assigned a risk rating of 5 when potential weaknesses exist that deserve management’s close attention. If left uncorrected, the potential weaknesses may result in deterioration of repayment prospects or in credit position at some future date. Substandard loans are assigned a risk rating of 6 and are inadequately protected by the current worth and borrowing capacity of the borrower. Well-defined weaknesses exist that may jeopardize the liquidation of the debt. There is a possibility of some loss if the deficiencies are not corrected. At this point, the loan may still be performing and accruing.

 

Impaired and other doubtful loans assigned a risk rating of 7 have all of the weaknesses of a substandard credit plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of current facts, conditions, and collateral values highly questionable and improbable. Impaired loans include all nonaccrual loans and all restructured loans including restructured loans performing according to the restructured terms. In special situations, an impaired loan with a risk rating of 7 could still be maintained on accrual status such as in the case of restructured loans performing according to restructured terms.

 

The commercial credit exposure based on internally assigned credit grade at December 31, 2013 and 2012, follows:

 

   2013
      Commercial  Construction         
   Commercial  Real Estate  & Development  Agricultural  Government  Total
                   
High quality (risk rating 1)  $44   $0   $0   $0   $0   $44 
Minimal risk (2)   24,085    19,249    120    1,115    78    44,647 
Average risk (3)   51,745    145,673    8,863    2,563    6,512    215,356 
Acceptable risk (4)   26,395    34,154    2,917    424    357    64,247 
Watch risk (5)   8,146    7,572    1,632    0    0    17,350 
Substandard risk (6)   654    815    0    0    0    1,469 
Impaired loans (7)   4,860    5,387    140    152    3,090    13,629 
                               
Totals  $115,929   $212,850   $13,672   $4,254   $10,037   $356,742 

 

   2012
      Commercial  Construction         
   Commercial  Real Estate  & Development  Agricultural  Government  Total
                   
High quality (risk rating 1)  $38   $0   $0   $0   $0   $38 
Minimal risk (2)   16,360    20,193    305    559    1,575    38,992 
Average risk (3)   51,846    103,454    22,573    3,336    12,550    193,759 
Acceptable risk (4)   32,002    45,699    3,318    216    0    81,235 
Watch risk (5)   8,271    8,291    1,757    0    0    18,319 
Substandard risk (6)   617    2,179    327    0    0    3,123 
Impaired loans (7)   5,109    4,002    202    154    0    9,467 
                               
Totals  $114,243   $183,818   $28,482   $4,265   $14,125   $344,933 

 

The consumer credit exposure based on payment activity at December 31, 2013 and 2012, follows:

 

   2013
   Residential-  Residential-  Construction and      
   Prime  HELOC  Development  Consumer  Total
                
Performing  $122,408   $20,167   $18,230   $3,550   $164,355 
Impaired loans   1,572    510    47    17    2,146 
                          
Totals  $123,980   $20,677   $18,277   $3,567   $166,501 

 

   2012
   Residential-  Residential-  Construction and      
   Prime  HELOC  Development  Consumer  Total
                
Performing  $103,292   $21,250   $15,094   $4,689   $144,325 
Impaired loans   2,287    506    153    26    2,972 
                          
Totals  $105,579   $21,756   $15,247   $4,715   $147,297 

 

The payment age analysis of loans receivable disbursed at December 31, 2013 and 2012, follows:

 

   2013
   30-59  60-89  90+  Total     Total  90+ and
Loan Class  Days  Days  Days  Past Due  Current  Loans  Accruing
                      
Commercial:                                   
Commercial and industrial  $284   $57   $610   $951   $114,978   $115,929   $0 
Agricultural   0    0    152    152    4,102    4,254    0 
Government   0    0    0    0    10,037    10,037    0 
                                    
Commercial real estate:                                   
Commercial real estate   376    547    1,276    2,199    210,651    212,850    0 
Construction and development   0    0    0    0    11,434    11,434    0 
                                    
Residential real estate:                                   
Residential – Prime   369    87    335    791    123,189    123,980    0 
Residential – HELOC   45    14    314    373    20,304    20,677    0 
Construction and development   37    0    0    37    13,583    13,620    0 
                                    
Consumer   15    10    9    34    3,533    3,567    0 
                                    
Totals  $1,126   $715   $2,696   $4,537   $511,811   $516,348   $0 

 

   2012
   30-59  60-89  90+  Total     Total  90+ and
Loan Class  Days  Days  Days  Past Due  Current  Loans  Accruing
                      
Commercial:                                   
Commercial and industrial  $375   $83   $1,795   $2,253   $111,990   $114,243   $0 
Agricultural   0    154    0    154    4,111    4,265    0 
Government   0    0    0    0    14,125    14,125    0 
                                    
Commercial real estate:                                   
Commercial real estate   936    76    1,028    2,040    181,778    183,818    0 
Construction and development   0    20    0    20    25,340    25,360    0 
                                    
Residential real estate:                                   
Residential – Prime   950    274    1,344    2,568    103,011    105,579    0 
Residential – HELOC   64    0    335    399    21,357    21,756    0 
Construction and development   0    0    133    133    11,197    11,330    0 
                                    
Consumer   21    3    15    39    4,676    4,715    0 
                                    
Totals  $2,346   $610   $4,650   $7,606   $477,585   $485,191   $0 

 

The impaired loans at December 31, 2013 and 2012, and during the years then ended, by loan class, follows:

 

   2013
   Unpaid        Average  Interest
   Principal  Related  Recorded  Recorded  Income
   Balance  Allowance  Investment  Investment  Recognized
                
With no related allowance recorded:                         
                          
Commercial and industrial  $2,906   $0   $2,861   $2,172   $135 
Commercial real estate   2,555    0    2,376    1,740    85 
Commercial construction and development   1    0    0    0    0 
Agricultural   0    0    0    0    0 
Government   3,090    0    3,090    1,545    150 
Residential – Prime   979    0    866    845    14 
Residential – HELOC   110    0    110    55    3 
Residential construction and development   0    0    0    0    0 
Consumer   0    0    0    0    0 
                          
With an allowance recorded:                         
                          
Commercial and industrial  $2,231   $1,112   $1,999   $2,813   $43 
Commercial real estate   3,143    621    3,011    2,955    81 
Commercial construction and development   142    74    140    171    8 
Agricultural   152    55    152    153    0 
Residential – Prime   749    101    706    1,085    9 
Residential – HELOC   412    119    400    453    5 
Residential construction and development   49    8    47    106    1 
Consumer   19    18    17    22    0 
                          
Totals:                         
                          
Commercial and industrial  $5,137   $1,112   $4,860   $4,985   $178 
Commercial real estate   5,698    621    5,387    4,695    166 
Commercial construction and development   143    74    140    171    8 
Agricultural   152    55    152    153    0 
Government   3,090    0    3,090    1,545    150 
Residential – Prime   1,728    101    1,572    1,930    23 
Residential – HELOC   522    119    510    508    8 
Residential construction and development   49    8    47    106    1 
Consumer   19    18    17    22    0 

 

   2012
   Unpaid        Average  Interest
   Principal  Related  Recorded  Recorded  Income
   Balance  Allowance  Investment  Investment  Recognized
                
With no related allowance recorded:                         
                          
Commercial and industrial  $1,483   $0   $1,483   $1,545   $88 
Commercial real estate   1,103    0    1,103    2,405    194 
Commercial construction and development   0    0    0    0    33 
Residential – Prime   824    0    824    493    9 
Residential – HELOC   0    0    0    0    3 
                          
With an allowance recorded:                         
                          
Commercial and industrial  $3,626   $1,287   $2,339   $2,777   $62 
Commercial real estate   2,899    643    2,256    2,634    105 
Commercial construction and development   202    31    171    316    21 
Agricultural   154    40    114    57    10 
Residential – Prime   1,463    277    1,186    1,384    22 
Residential – HELOC   506    126    380    259    15 
Residential construction and development   153    4    149    129    5 
Consumer   26    26    0    27    2 
                          
Totals:                         
                          
Commercial and industrial  $5,109   $1,287   $3,822   $4,322   $150 
Commercial real estate   4,002    643    3,359    5,039    299 
Commercial construction and development   202    31    171    316    54 
Agricultural   154    40    114    57    10 
Residential – Prime   2,287    277    2,010    1,877    31 
Residential – HELOC   506    126    380    259    18 
Residential construction and development   153    4    149    129    5 
Consumer   26    26    0    27    2 

 

The loans on nonaccrual status at December 31, follows:

 

   2013  2012
       
Commercial:          
Commercial and industrial  $1,575   $3,023 
Agricultural   152    154 
           
Commercial real estate:          
Commercial real estate   4,103    2,001 
Construction and development   17    1 
           
Residential real estate:          
Residential – Prime   1,059    2,021 
Residential – HELOC   387    365 
Construction and development   30    133 
           
Consumer   17    17 
           
Totals  $7,340   $7,715 

 

The following table presents information concerning modifications of troubled debt made during 2013 and 20112:

 

         Postmodification
      Premodification  Outstanding
      Outstanding  Recorded
   Number of  Recorded  Investment
As of December 31, 2013  contracts  Investment  at Period-End
          
Commercial and industrial   7   $1,012   $642 
Commercial and real estate   5    587    564 
Residential real estate - Prime   5    867    852 

 

During the year ended December 31, 2013, approximately $1,272, or 52%, of the modified loan principal was restructured to capitalize unpaid property taxes, and $1,194, or 48%, was modified to extend amortization periods or to lower the existing interest rate. No loan principal was charged off or forgiven in connection with the modifications. At December 31, 2013, specific loan loss reserves maintained on loans modified or restructured during 2013 totaled $258.

 

The following table outlines past troubled debt restructurings that subsequently defaulted during 2013 when the default occurred within 12 months of the last restructuring date. For purposes of this table, default is defined as 90 days or more past due on restructured payments.

 

   Number of  Recorded
   Contracts  Investment
Commercial and industrial   1    $ 0 
Commercial real estate   1    80 
Residential real estate - Prime   1    87 

 

The contracts noted above were originally restructured primarily to lower the interest rate and convert payments to interest only. Collateral supporting the modified loans was in the process of foreclosure at period-end. No specific loan loss reserves were maintained on these impaired loans at December 31, 2013.

         Postmodification
      Premodification  Outstanding
      Outstanding  Recorded
   Number of  Recorded  Investment
As of December 31, 2012  Contracts  Investment  at Period-End
Commercial and industrial   6   $661   $614 
Commercial and real estate   3    603    570 
Residential real estate - Prime   1    121    89 

 

During the year ended December 31, 2012, approximately $328, or 24%, of the modified loan principal was restructured to convert the payments from amortizing principal payments to interest only payments, $379, or 27%, was restructured to capitalize unpaid property taxes, and $678, or 49%, was modified to extend amortization periods or to lower the existing interest rate. No loan principal was charged off or forgiven in connection with the modifications. At December 31, 2012, specific loan loss reserves maintained on loans modified or restructured during 2012 totaled $254.

 

The following table outlines past troubled debt restructurings that subsequently defaulted during 2012 when the default occurred within 12 months of the last restructuring date. For purposes of this table, default is defined as 90 days or more past due on restructured payments.

 

   Number of  Recorded
   Contracts  Investment
Commercial and industrial   2   $  0 
Commercial real estate   1    45 

 

The contracts noted above were originally restructured primarily to lower the interest rate and convert payments to interest only. Collateral supporting the modified loans was in the process of foreclosure at period-end. No specific loan loss reserves were maintained on these impaired loans at December 31, 2012.

 

Under a secondary market loan servicing program with the FHLB, in exchange for a monthly fee, PSB provides a credit enhancement guarantee to reimburse the FHLB for foreclosure losses in excess of 1% of original loan principal sold to the FHLB. At December 31, 2013, PSB serviced payments on $23,709 of first lien residential loan principal under these terms for the FHLB. At December 31, 2013, the maximum PSB obligation for such guarantees would be approximately $949 if total foreclosure losses on the entire pool of loans exceed approximately $1,593. Management believes the likelihood of reimbursement for credit loss payable to the FHLB on loans underwritten according to program requirements beyond the monthly credit enhancement fee is remote. PSB recognizes the credit enhancement fee as mortgage banking income when received in cash and does not maintain any recourse liability for possible credit enhancement losses.

 

PSB had originated and sold $5,202 and $5,438 of commercial and commercial real estate loans to other participating financial institutions at December 31, 2013 and 2012, respectively, to accommodate customer credit needs and maintain compliance with internal and external large borrower limits. Likewise, PSB had purchased $27,404 and $20,601 of commercial and commercial real estate loans originated by other Wisconsin-based financial institutions at December 31, 2013 and 2012, respectively, as part of informal reciprocal relationships that allow the originating bank to meet the needs of their large credit customers. PSB does not charge servicing fees to the participating institutions on these traditional loan participations sold by PSB, and no servicing right asset or liability has been recognized on these relationships. Any credit losses incurred on purchased or sold participation loans upon liquidation are shared pro-rata among the participants based on principal owned.
XML 106 R14.htm IDEA: XBRL DOCUMENT v2.4.0.8
Foreclosed Assets
 12 Months Ended
Dec. 31, 2013
Repossessed Assets [Abstract]  
Foreclosed Assets
NOTE 6 Foreclosed Assets

 

A summary of activity in foreclosed assets for the period ended December 31 is as follows:

 

   2013  2012  2011
Balance at beginning of year  $1,774   $2,939   $4,967 
Transfer of loans at net realizable value to foreclosed assets   1,342    1,295    1,006 
Sale proceeds   (831)   (1,527)   (987)
Loans made on sale of foreclosed assets   (234)   (490)   (1,075)
Net gain from sale of foreclosed assets   105    42    20 
Provision for write-down charged to operations   (406)   (485)   (992)
                
Balance at end of year  $1,750   $1,774   $2,939 

 

Net gain and loss from the sale of foreclosed assets as well as the provision to expense for the partial write-down of foreclosed assets prior to sale are recorded as loss on foreclosed assets. Loss on foreclosed assets also includes periodic holding costs related to foreclosed assets. The total loss on foreclosed assets was $428, $573, and $1,197 during the years ended 2013, 2012, and 2011, respectively.
XML 107 R16.htm IDEA: XBRL DOCUMENT v2.4.0.8
Premises and Equipment
 12 Months Ended
Dec. 31, 2013
Premises And Equipment  
Premises and Equipment
NOTE 8 Premises and Equipment

 

The composition of premises and equipment at December 31 follows:

 

   2013  2012
       
Land  $2,261   $2,306 
Buildings and improvements   9,379    9,596 
Furniture and equipment   3,084    3,099 
Computer hardware and software   1,690    1,591 
           
Total cost   16,414    16,592 
Less – Accumulated depreciation and amortization   6,745    6,352 
           
Totals  $9,669   $10,240 

 

Depreciation and amortization charged to operating expenses amounted to $723 in 2013, $659 in 2012, and $673 in 2011.

 

Lease Commitments

 

PSB leases various pieces of equipment under cancelable leases and office space for one branch location under a noncancelable lease. The noncancelable branch location lease expires in May 2014. The lease is classified as operating. Future minimum payments under the noncancelable lease total $24 during 2014.

 

Rental expense for all operating leases was $76, $72, and $69, for the years ended December 31, 2013, 2012, and 2011, respectively.

 
XML 108 R64.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Gross loans $ 523,243 $ 492,230    
Loans in process of disbursement (6,895) (7,039)    
Subtotals - Disbursed loans 516,348 485,191    
Net deferred loan costs 315 231    
Allowance for loan losses (6,783) (7,431) (7,941) (7,960)
Loans receivable, net of allowance for loan losses 509,880 477,991    
Commercial, industrial and municipal
        
Gross loans 130,220 132,633    
Commercial real estate mortgage
        
Gross loans 212,850 183,818    
Commercial construction and development
        
Gross loans 13,672 28,482    
Residential real estate mortgage
        
Gross loans 123,980 105,579    
Residential construction and development
        
Gross loans 18,277 15,247    
Residential real estate home equity
        
Gross loans 20,677 21,756    
Consumer and individual
        
Gross loans $ 3,567 $ 4,715    
XML 109 R120.htm IDEA: XBRL DOCUMENT v2.4.0.8
Condensed Parent Company Only Financial Statements (Details 2) (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Mar. 31, 2011
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Cash flows from operating activities:                              
Net income $ 1,561 $ 13 $ 1,561 $ 1,609 $ 1,685 $ 1,226 $ 1,918 $ 1,180 $ 1,400 $ 1,394 $ 1,226 $ 1,285 $ 4,744 $ 6,009 $ 5,305
Adjustments to reconcile net income to net cash provided by operating activities:                              
Net cash provided by operating activities                         13,034 7,556 9,657
Cash flows from investing activities:                              
Net cash provided by investing activities                         (25,570) 20,283 (7,782)
Financing activities:                              
Repayment of senior subordinated notes                         (3,000)      
Proceeds from exercise of stock options                            9 45
Dividends declared                         (1,289) (1,247) (1,168)
Purchase of treasury stock                         (269) (262)   
Net cash used in financing activities                         (4,789) (17,197) (4,001)
Net (decrease)/increase in cash and cash equivalents                         (17,325) 10,642 (2,126)
The Corporation
                              
Cash flows from operating activities:                              
Net income                         4,744 6,009 5,305
Adjustments to reconcile net income to net cash provided by operating activities:                              
Equity in undistributed net income of Peoples State Bank                         (1,202) 801 (3,057)
(Increase) decrease in other assets                         147 (21) 5
(Decrease) increase in other liabilities                         (79) (2) 28
(Decrease) increase in dividends payable                         644 (583) 20
Net cash provided by operating activities                         4,254 6,204 2,301
Cash flows from investing activities:                              
Purchase Marathon State Bank Common Stock                         (19) (5,482)   
Investment in Peoples State Bank                            (5)   
Net cash provided by investing activities                         (19) (5,487)   
Financing activities:                              
Repayment of senior subordinated notes                         (3,000)      
Proceeds from other borrowings                         2,000      
Repayments of other borrowings                         (500)      
Proceeds from exercise of stock options                            9 45
Dividends declared                         (1,289) (1,247) (1,168)
Purchase of treasury stock                         (269) (262)   
Net cash used in financing activities                         (3,058) (1,500) (1,123)
Net (decrease)/increase in cash and cash equivalents                         1,177 (783) 1,178
Cash and cash equivalents at beginning of year       2,325       3,108       1,930 2,325 3,108 1,930
Cash and cash equivalents at end of year $ 3,502       $ 2,325       $ 3,108       $ 3,502 $ 2,325 $ 3,108
XML 110 R85.htm IDEA: XBRL DOCUMENT v2.4.0.8
Federal Home Loan Bank Advances (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Weighted average interest rate 2.87% 2.74%
Federal Home Loan Bank advances $ 38,049 $ 50,124
Fixed Rate, Interest Only Tranche 1
    
Scheduled Year of Maturity 2014 2013
Interest rate, lower limit 2.69% 2.58%
Interest rate, upper limit 3.45% 3.75%
Weighted average interest rate 3.18% 3.09%
Federal Home Loan Bank advances 31,049 8,075
Variable Rate, Interest Only Tranche 1
    
Scheduled Year of Maturity 2014 2013
Interest rate 1.33% 1.13%
Weighted average interest rate 1.33% 1.13%
Federal Home Loan Bank advances 5,000 6,000
Fixed Rate, Interest Only Tranche 2
    
Scheduled Year of Maturity 2018 2014
Interest rate, lower limit   2.69%
Interest rate, upper limit   3.45%
Interest rate 1.92% 3.18%
Weighted average interest rate 1.92% 3.18%
Federal Home Loan Bank advances 2,000 31,049
Variable Rate, Interest Only Tranche 2
    
Scheduled Year of Maturity   2014
Interest rate   1.40%
Weighted average interest rate   1.40%
Federal Home Loan Bank advances   $ 5,000
XML 111 R66.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details 2) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Summary of information pertaining to impaired loans      
Impaired loans without a valuation allowance $ 9,303 $ 3,410 $ 5,474
Impaired loans with a valuation allowance 6,472 9,029 11,745
Total impaired loans before valuation allowances 15,775 12,439 17,219
Valuation allowance related to impaired loans 2,108 2,434 3,178
Net impaired loans 13,667 10,005 14,041
Average recorded investment, net of allowance for loan losses 14,109 12,026 12,965
Interest income recognized 534 569 597
Interest income recognized on a cash basis on impaired loans         
XML 112 R102.htm IDEA: XBRL DOCUMENT v2.4.0.8
Commitments, Contingencies, and Credit Risk (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Loss on sale of credit card loan balances, net of tax $ 31  
Loss on sale of credit card loan balances, tax 19  
Proceeds from sale of credit card loan balances 671  
Aggregate exposure on the full recourse balance of credit card loan balances 328  
Commitments 119,443 107,233
FHLB of Chicago Mortgage Partnership Finance Program - Loan Commitment
    
Commitments $ 1,507 $ 10,123
XML 113 R63.htm IDEA: XBRL DOCUMENT v2.4.0.8
Loans (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Variable Rate Loans with Interest Rate Caps $ 4,553 $ 5,954  
Loans outstanding 6,663 7,371 9,958
Funds committed to be advanced on remaining available lines of credit in connection with impaired loans 201 214  
Total loans receivable on nonaccrual status 7,340 7,715  
Modified loan principal restructured to interest only   328  
Modified loan principal restructured to interest only, percentage   24.00%  
Modified loan principal restructured to capitalize unpaid property taxes 1,272 379  
Modified loan principal restructured to capitalize unpaid property taxes, percentage 52.00% 27.00%  
Modified loan principal to extend amortization or lower existing interest rates 1,194 678  
Modified loan principal to extend amortization or lower existing interest rates, percentage 48.00% 49.00%  
Specific loan reserves for loans restructured 258 254  
Payments serviced on behalf of FHLB 23,709    
Maximum obligation for guarantees Maximum PSB obligation for such guarantees would be approximately $949 if total foreclosure losses on the entire pool of loans exceed approximately $1,593    
Loans originated 5,202 5,438  
Purchased Commerical and Commerical Real estate loans 27,404 20,601  
One Related Party
      
Loans outstanding $ 4,595 $ 4,875  
XML 114 R92.htm IDEA: XBRL DOCUMENT v2.4.0.8
Derivative Instruments and Hedging Activities (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Derivative Instruments And Hedging Activities Details Narrative      
Unrealized gain (loss) on interest rate swap $ 46 $ (179) $ (447)
Reclassification adjustment of interest rate swap settlements included in earnings 113 104 111
Unrealized loss on interest rate swap, gross 184    
Unrealized loss on interest rate swap, net of tax 111    
Interest Rate Swaps Collateral Cash 570 850  
Reclassification adjustment of interest rate swap settlements included in earnings, before tax $ 186 $ 172 $ 183
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Summary of Significant Accounting Policies (Policies)
 12 Months Ended
Dec. 31, 2013
Summary Of Significant Accounting Policies Policies  
Principles of Consolidation

Principles of Consolidation

 

The consolidated financial statements include the accounts of PSB Holdings, Inc. and its subsidiary, Peoples State Bank. Peoples State Bank owns and operates a Nevada subsidiary, PSB Investments, Inc., to manage the Bank’s investment securities. All significant intercompany balances and transactions have been eliminated. The accounting and reporting policies of PSB conform to accounting principles generally accepted in the United States (GAAP) and to the general practices within the banking industry. Any reference to “PSB” refers to the consolidated or individual operations of PSB Holdings, Inc. and its subsidiary, Peoples State Bank.
Use of Estimates in Preparation of Financial Statements

Use of Estimates in Preparation of Financial Statements

 

The preparation of the consolidated financial statements in conformity with GAAP requires management to make certain estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period. Actual results could differ from those estimates. Estimates that are susceptible to significant change include the determination of the allowance for loan losses, mortgage servicing rights assets, and the valuation of investment securities.
Cash Equivalents

Cash Equivalents

 

For purposes of reporting cash flows in the consolidated financial statements, cash and cash equivalents include cash and due from banks, interest-bearing deposits and money market funds, and federal funds sold, all of which have original maturities of three months or less.
Securities

Securities

 

Securities are assigned an appropriate classification at the time of purchase in accordance with management’s intent. Debt securities that management has the positive intent and ability to hold to maturity are classified as held to maturity and recorded at amortized cost. Amortization of the net unrealized gain on securities held to maturity that were transferred from securities available for sale is recognized in other comprehensive income using the interest method over the estimated lives of the securities. Amortization of premiums and accretion of discounts on purchased securities held to maturity is recognized in interest income using the interest method over the estimated lives of the securities. Trading securities include those securities bought and held principally for the purpose of selling them in the near future. PSB has no trading securities. Securities not classified as either securities held to maturity or trading securities are considered available for sale and reported at fair value determined from estimates of brokers or other sources. Unrealized gains and losses are excluded from earnings but are reported as other comprehensive income, net of income tax effects. Amortization of premiums and accretion of discounts is recognized in interest income using the interest method over the estimated lives of the securities.

 

Gains and losses on the sale of securities are recorded on the trade date and determined using the specific-identification method.

 

Declines in fair value of securities that are deemed to be other than temporary, if applicable, are reflected in earnings as realized losses. In estimating other-than-temporary impairment losses, management considers the length of time and the extent to which fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability of PSB to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.
Loans Held for Sale

Loans Held for Sale

 

PSB sells substantially all 20- and 30-year long-term fixed-rate single-family mortgage loans and the majority of 15-year fixed-rate mortgage loans it originates to the secondary market. The gain or loss associated with sales of single-family mortgage loans is recorded as a component of mortgage banking revenue.

 

Mortgage loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated market value in the aggregate. Net unrealized losses are recognized through a valuation allowance by charges to income. Gains and losses on the sale of loans held for sale are determined using the specific identification method using quoted market prices.

 

In sales of mortgage loans to the Federal Home Loan Bank (FHLB) prior to 2009, PSB retained a secondary portion of the credit risk on the underlying loans in exchange for a credit enhancement fee. When applicable, PSB records a recourse liability to provide for potential credit losses. PSB also provides representations and warranties regarding originated loans sold to secondary market buyers including the FHLB and the Federal National Mortgage Association (FNMA). These representations and warranties can lead to additional credit risk for which PSB records a recourse liability. Because the loans involved in these transactions are similar to those in PSB’s loans held for investment, the review of the adequacy of the recourse liability is similar to the review of the adequacy of the allowance for loan losses (refer to “Allowance for Loan Losses”).
Loans

Loans

 

Loans that management has the intent to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for charge-offs, the allowance for loan losses, and any deferred fees or costs on originated loans. Interest on loans is credited to income as earned. Interest income is not accrued on loans where management has determined collection of such interest is doubtful or those loans which are past due 90 days or more as to principal or interest payments. When a loan is placed on nonaccrual status, previously accrued but unpaid interest deemed uncollectible is reversed and charged against current income. After being placed on nonaccrual status, additional income is recorded only to the extent that payments are received and the collection of principal becomes reasonably assured. Interest income recognition on loans considered to be impaired is consistent with the recognition on all other loans.

 

Loan origination fees and certain direct loan origination costs are deferred and recognized as an adjustment of the related loan yield using the interest method.
Allowance for Loan Losses

Allowance for Loan Losses

 

The allowance for loan losses is established through a provision for loan losses charged to expense. Loans are charged against the allowance for loan losses when management believes the collectibility of the principal is unlikely.

 

Management maintains the allowance for loan losses at a level to cover probable credit losses relating to specifically identified loans, as well as probable credit losses inherent in the balance of the loan portfolio. In accordance with current accounting standards, the allowance is provided for losses that have been incurred based on events that have occurred as of the balance sheet date. The allowance is based on past events and current economic conditions and does not include the effects of expected losses on specific loans or groups of loans that are related to future events or expected changes in economic conditions. While management uses the best information available to make its evaluation, future adjustments to the allowance may be necessary if there are significant changes in economic conditions.

 

The allowance for loan losses includes specific allowances related to loans which have been judged to be impaired. A loan is impaired when, based on current information, it is probable that PSB will not collect all amounts due in accordance with the contractual terms of the loan agreement. Management has determined that all loans that have a nonaccrual status or have had their terms restructured, meet this definition. Loans currently maintained on accrual status but expected to be placed on nonaccrual or have their terms restructured in the near term are also considered impaired. Large groups of homogeneous loans, such as mortgage and consumer loans, are not collectively evaluated for impairment. Specific allowances on impaired loans are based on discounted cash flows of expected future payments using the loan’s initial effective interest rate or the fair value of the collateral if the loan is collateral dependent.

 

In addition, various regulatory agencies periodically review the allowance for loan losses. These agencies may require PSB to make additions to the allowance for loan losses based on their judgments of collectibility resulting from information available to them at the time of their examination.
Foreclosed Assets

Foreclosed Assets

 

Real estate and other property acquired through, or in lieu of, loan foreclosure are initially recorded at fair value (after deducting estimated costs to sell) at the date of foreclosure, establishing a new cost basis. Costs related to development and improvement of property are capitalized, whereas costs related to holding property are expensed. After foreclosure, valuations are periodically performed by management, and the real estate or other property is carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in any valuation allowance are included in loss on foreclosed assets.
Premises and Equipment

Premises and Equipment

 

Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is computed principally on the straight-line method and is based on the estimated useful lives of the assets varying primarily from 15 to 40 years on buildings, 5 to 10 years on furniture and equipment, and 3 years on computer hardware and software. Maintenance and repair costs are charged to expense as incurred. Gains or losses on disposition of property and equipment are reflected in income.
Mortgage Servicing Rights

Mortgage Servicing Rights

 

PSB services the single-family mortgages it sells to the FHLB and FNMA. Servicing mortgage loans includes such functions as collecting monthly payments of principal and interest from borrowers, passing such payments through to third-party investors, maintaining escrow accounts for taxes and insurance, and making such payments when they are due. When necessary, servicing mortgage loans also includes functions related to the collection of delinquent principal and interest payments, loan foreclosure proceedings, and disposition of foreclosed real estate. PSB generally earns a servicing fee of 25 basis points on the outstanding loan balance for performing these services as well as fees and interest income from ancillary sources such as delinquency charges and payment float. Servicing fee income is recorded as a component of mortgage banking revenue, net of the amortization and charges described in the following paragraphs.

 

PSB records originated mortgage servicing rights (OMSR) as a component of mortgage banking income when the obligation to service such loans has been retained. The initial value recorded for OMSR is based on the fair values of the servicing fee adjusted for expected future costs to service the loans, as well as income and fees expected to be received from ancillary sources, as previously described. The carrying value of OMSR is amortized against service fee income in proportion to estimated gross servicing revenues, net of estimated costs of servicing, adjusted for expected prepayments. In addition to this periodic amortization, the carrying value of OMSR associated with loans that actually prepay is also charged against servicing fee income as amortization. During periods of falling long-term interest rates, prepayments would likely accelerate, increasing amortization of existing OMSR against servicing fee income, and impair the value of OMSR as described below.

 

The carrying value of OMSR recorded in PSB’s consolidated balance sheets (“mortgage servicing rights” or MSRs) is subject to impairment because of changes in loan prepayment expectations and in market discount rates used to value the future cash flows associated with such assets. In valuing MSRs, PSB stratifies the loans by year of origination, term of the loan, and range of interest rates within each term. If, based on a periodic evaluation, the estimated fair value of the MSRs related to a particular stratum is determined to be less than its carrying value, a valuation allowance is recorded against such stratum and against PSB’s loan servicing fee income, which is included as a component of mortgage banking revenue. If the periodic evaluation of impairment calls for a valuation allowance less than currently recorded, the decrease in the valuation allowance is recaptured, offsetting amortization from loan prepayments during the period and increasing mortgage banking revenue. The valuation allowance is calculated using the current outstanding principal balance of the related loans, long-term prepayment assumptions as provided by independent sources, a market-based discount rate, and other management assumptions related to future costs to service the loans, as well as ancillary sources of income.
Federal Home Loan Bank Stock

Federal Home Loan Bank Stock

 

As a member of the FHLB system, PSB is required to hold stock in the FHLB of Chicago based on the level of borrowings advanced to PSB. This stock is recorded at cost, which approximates fair value. The stock is evaluated for impairment on an annual basis. Transfer of the stock is substantially restricted.
Bank-Owned Life Insurance

Bank-Owned Life Insurance

 

PSB has purchased life insurance policies on certain officers. Bank-owned life insurance is recorded at its cash surrender value. Changes in cash surrender value are recorded in other income.
Retirement Plans

Retirement Plans

 

PSB maintains a defined contribution 401(k) profit sharing plan which covers substantially all full-time employees.
Income Taxes

Income Taxes

 

Deferred income taxes have been provided under the liability method. Deferred tax assets and liabilities are determined based on the difference between the financial statement and tax bases of assets and liabilities as measured by the enacted tax rates which will be in effect when these differences are expected to reverse. Deferred tax expense is the result of changes in the deferred tax asset and liability and is a component of the provision for income taxes.

 

PSB may also recognize a liability for unrecognized tax benefits from uncertain tax positions. Unrecognized tax benefits represent the difference between a tax position taken or expected to be taken in a tax return and the benefit recognized and measured in the financial statements. Interest and penalties related to unrecognized benefits are recorded as additional income tax expense.
Advertising and Promotional Costs

Advertising and Promotional Costs

 

Costs relating to PSB’s advertising and promotion are generally expensed when paid.
Derivative Instruments and Hedging Activities

Derivative Instruments and Hedging Activities

 

All derivative instruments are recorded at their fair values. If derivative instruments are designated as hedges of fair values, both the change in the fair value of the hedge and the hedged item are included in current earnings. Fair value adjustments related to cash flow hedges are recorded in other comprehensive income and reclassified to earnings when the hedged transaction is reflected in earnings. Ineffective portions of hedges are reflected in income. The fair value of derivative instruments is not offset against cash collateral paid to secure those instruments but is reflected as gross amounts outstanding on the consolidated balance sheets.
Rate Lock Commitments

Rate Lock Commitments

 

PSB enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. Rate lock commitments are recorded at fair value at period-end and classified as other assets on the consolidated balance sheets. Changes in the fair value of rate lock commitments during the period are reflected in the current period’s income statement as mortgage banking income. The fair value of rate lock commitments includes the estimated gain on sale of the loan to the secondary market agency plus the estimated value of OMSR on loans expected to be closed.
Fair Values of Financial Instruments

Fair Values of Financial Instruments

 

Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 23. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. The fair value estimates of existing on- and off-balance-sheet financial instruments do not include the value of anticipated future business or the values of assets and liabilities not considered financial instruments.
Segment Information

Segment Information

 

PSB, through the branch network of its banking subsidiary, provides a full range of consumer and commercial banking services to individuals, businesses, governments, and farms in northcentral Wisconsin. These services include demand, time, and savings deposits; safe deposit services; debit and credit cards; notary services; night depository; money orders, traveler’s checks, and cashier’s checks; savings bonds; secured and unsecured consumer, commercial, and real estate loans; ATM processing; cash management; and wealth management. While PSB’s chief decision makers monitor the revenue streams of various PSB products and services, operations are managed and financial performance is evaluated on a companywide basis. Accordingly, all of PSB’s banking operations are considered by management to be aggregated in one reportable operating segment.
Stock-Based Compensation

Stock-Based Compensation

 

PSB uses the fair value based method of accounting for employee stock compensation plans, whereby compensation cost is measured at the grant date based on the value of the award and is recognized as expense over the service period, which is normally the vesting period.
Accumulated Other Comprehensive Income (Loss)

Accumulated Other Comprehensive Income (Loss)

 

PSB’s accumulated other comprehensive income (loss) is composed of the unrealized gain (loss) on securities available for sale, net of tax, unrealized gain (loss) on interest rate swaps used for cash flow hedges after reclassification of settlements of the hedged item, net of tax, and unamortized unrealized gain on securities transferred to securities held to maturity from securities available for sale, net of tax, and is shown on the consolidated statements of comprehensive income.
Current Accounting Changes

Current Accounting Changes

 

Financial Accounting Standards Board (FASB) Accounting Standards Codification (ASC) Topic 210, Balance Sheet. In January 2013, clarifications were issued of new authoritative accounting guidance first issued in December 2011 concerning disclosure of information about offsetting and related arrangements associated with derivative instruments. The clarifications and originally issued guidance require additional disclosures associated with offsetting and collateral arrangements with derivative instruments to enable users of PSB's financial statements to understand the effect of those arrangements on its financial position beginning March 31, 2013. These new disclosures were added as necessary during the quarter ended March 31, 2013, and did not have a significant impact to the reporting of PSB's financial results upon adoption.

 

FASB ASC Topic 220, Comprehensive Income. In February 2013, new authoritative accounting guidance was issued which required PSB to report the effect of significant reclassifications out of accumulated other comprehensive income in a footnote to the financial statements. The disclosure was effective beginning March 31, 2013 on a prospective basis. The change did not have a significant impact on PSB's financial reporting or results of operations upon adoption.

 

FASB ASC Topic 220, Comprehensive Income. In June 2011, new authoritative accounting guidance was approved that required changes to the presentation of comprehensive net income. Effective during the quarter ended March 31, 2012, PSB began to present comprehensive income as a separate financial statement directly after the basic income statement. Adoption of the new presentation standards for comprehensive income did not have any financial impact to PSB's financial results or operations.

 

FASB ASC Topic 310, Receivables. New authoritative accounting guidance issued in July 2010 under ASC Topic 310, Receivables, required extensive new disclosures surrounding the allowance for loan losses, although it did not change any credit loss recognition or measurement rules. The new rules require disclosures to include a breakdown of allowance for loan loss activity by portfolio segment as well as problem loan disclosures by detailed class of loan. In addition, disclosures on internal credit grading metrics and information on impaired, nonaccrual, and restructured loans are also required. The period-end disclosures were effective for financial periods ended December 31, 2010, but deferred presentation of loan loss allowance by loan portfolio segment until the quarter ended March 31, 2011. PSB adopted the rules for loan loss allowance disclosures by loan segment effective March 31, 2011.

 

In April 2011, new authoritative accounting guidance concerning a creditor’s determination of whether a loan restructuring is a troubled debt restructuring was issued under ASC Topic 310, Receivables. The amendments clarified existing guidance concerning the creditor’s evaluation of whether it has granted a concession and whether the concession was to a borrower experiencing financial difficulties. The guidance clarified that a troubled debt restructuring includes modifications to a borrower experiencing financial difficulties that did not otherwise have access to funds at a market rate for debt with similar risk characteristics as the restructured debt. In addition, a creditor may conclude that a debtor is experiencing financial difficulties even though the debtor is not currently in payment default if the debtor would be in default on any of its debt in the foreseeable future without loan modification. The clarifying guidance is expected to result in more consistent application of required accounting and disclosure for troubled debt restructurings. These amendments were adopted by PSB during the quarter ended September 30, 2011, and applied retrospectively to loans restructured since January 1, 2011. PSB did not incur a change to measurement of impairment from retrospective application of these amendments to loans restructured since January 1, 2011.

 

FASB ASC Topic 805, Business Combinations. In October 2012, new authoritative accounting guidance was issued that addressed accounting for an indemnification asset acquired as a result of a government-assisted acquisition of a financial institution when a subsequent change in cash flows expected to be collected is identified. After identification of the new cash flows, the reporting entity should subsequently account for the change in the measurement of the indemnification asset on the same basis as accounting for the change in the assets subject to the indemnification. Amortization of these changes in value is limited to the remaining contractual term of the indemnification agreement. These new rules became effective for changes in cash flows identified beginning January 1, 2013. Adoption of this new guidance did not have an impact on PSB's financial statements.

 

FASB ASC Topic 805, Business Combinations. In December 2010, new authoritative guidance was approved that clarified the disclosure of revenue and earnings of an acquired entity with the combined entity as if the combination occurred as of the beginning of the year. Specifically, if comparative financial statements are presented, the combined entity should disclose revenue and earnings of the combined entity as though the business combination that occurred during the current year had occurred as of the beginning of the comparable prior annual reporting period only. The guidance was effective for combinations occurring after January 1, 2011. Adoption of this standard did not have a significant impact on PSB’s financial reporting.

 

FASB ASC Topic 820, Fair Value Measurements. In May 2011, new authoritative accounting guidance concerning fair value measurements was issued. Significant provisions of the new guidance now require both domestic and international companies to follow existing United States guidance in measuring fair value. In addition, certain Level 3 unobservable inputs and impacts to fair value from sensitivity of these inputs to changes must be disclosed. Lastly, the level of fair value hierarchy used to estimate fair value of financial instruments not accounted for at fair value on the balance sheet (such as loans receivable and deposits) must be disclosed. These new disclosures were adopted during the quarter ended March 31, 2012, and did not have a significant impact to PSB financial reporting or operations.
Reclassifications

Reclassifications

 

Certain prior year balances have been reclassified to conform to the current year presentation.
Subsequent Events

Subsequent Events

 

Management has reviewed PSB’s operations for potential disclosure of information or financial statement impacts related to events occurring after December 31, 2013, but prior to the release of these financial statements. A description of an agreement to purchase branch net assets made January 22, 2014, is described in Note 2.

XML 117 R51.htm IDEA: XBRL DOCUMENT v2.4.0.8
Condensed Parent Company Only Financial Statements (Tables)
 12 Months Ended
Dec. 31, 2013
Condensed Financial Information of Parent Company Only Disclosure [Abstract]  
Schedule of Condensed Balance Sheet

Balance Sheets

December 31, 2013 and 2012

 

Assets  2013  2012
       
Cash and due from banks  $3,502   $2,325 
Investment in Peoples State Bank   66,801    66,777 
Other assets   840    952 
           
TOTAL ASSETS  $71,143   $70,054 
           
Liabilities and Stockholders’ Equity          
           
Accrued dividends payable  $644   $0 
Other borrowings   1,500    0 
Senior subordinated notes   4,000    7,000 
Junior subordinated debentures   7,732    7,732 
Other liabilities   514    875 
Total stockholders’ equity   56,753    54,447 
           
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY  $71,143   $70,054 

 
Schedule of Condensed Income Statement

Statements of Income

Years Ended December 31, 2013, 2012, and 2011

 

   2013  2012  2011
          
Income:               
Dividends from Peoples State Bank  $4,000   $7,700   $2,875 
Dividends from other investments   6    5    6 
Interest   5    10    6 
                
Total income   4,011    7,715    2,887 
                
Expenses:               
Interest on other borrowings   54    0    0 
Interest expense on senior subordinated notes   184    578    567 
Interest expense on junior subordinated debentures   341    342    341 
Transfer agent and shareholder communication   47    68    38 
Other   136    348    95 
                
Total expenses   762    1,336    1,041 
                
Income before income taxes and equity in undistributed net income of Peoples State Bank   3,249    6,379    1,846 
Recognition of income tax benefit   293    431    402 
                
Net income before equity in undistributed net income of Peoples State Bank   3,542    6,810    2,248 
Equity in undistributed net income of Peoples State Bank   1,202    (801)   3,057 
                
Net income  $4,744   $6,009   $5,305 

 
Schedule of Condensed Cash Flow Statement

Statements of Cash Flows

Years Ended December 31, 2013, 2012, and 2011

 

   2013  2012  2011
          
Increase (decrease) in cash and due from banks:               
Cash flows from operating activities:               
Net income  $4,744   $6,009   $5,305 
Adjustments to reconcile net income to net cash provided by operating activities:               
Equity in undistributed net income of Peoples State Bank   (1,202)   801    (3,057)
(Increase) decrease in other assets   147    (21)   5 
Increase (decrease) in other liabilities   (79)   (2)   28 
Increase (decrease) in dividends payable   644    (583)   20 
                
Net cash provided by operating activities   4,254    6,204    2,301 
                
Cash flows from investing activities:               
Purchase Marathon State Bank common stock   (19)   (5,482)   0 
Investment in Peoples State Bank   0    (5)   0 
                
Net cash used in investing activities   (19)   (5,487)   0 
                
Cash flows from financing activities:               
Repayment of senior subordinated notes   (3,000)   0    0 
Proceeds from other borrowings   2,000    0    0 
Repayment of other borrowings   (500)   0    0 
Proceeds from exercise of stock options   0    9    45 
Dividends declared   (1,289)   (1,247)   (1,168)
Purchase of treasury stock   (269)   (262)   0 
                
Net cash used in financing activities   (3,058)   (1,500)   (1,123)
                
Net increase (decrease) in cash and due from banks   1,177    (783)   1,178 
Cash and due from banks at beginning   2,325    3,108    1,930 
                
Cash and due from banks at end  $3,502   $2,325   $3,108 
XML 118 R21.htm IDEA: XBRL DOCUMENT v2.4.0.8
Junior Subordinated Debentures
 12 Months Ended
Dec. 31, 2013
JuniorSubordinatedDebenturesAbstract  
Junior Subordinated Debentures
NOTE 13 Junior Subordinated Debentures

 

PSB has issued $7,732 of junior subordinated debentures to PSB Holdings Statutory Trust I (the “Trust”) in connection with an issue of trust preferred securities during 2005. The subordinated debentures mature in 2035 and carried a fixed rate of interest of 5.82% during the five-year period ended September 2010. The debentures currently pay a variable rate of interest based on changes in the three-month LIBOR plus 1.70%, adjusted quarterly. During 2010, PSB entered into a cash flow hedge to fix the payments of interest (excluding the credit spread) on the debentures for a seven-year period ending September 2017 at a rate of 2.72%. Including the credit spread, the net interest due on the notes until September 2017 will be equal to a fixed rate of 4.42%. Total interest expense on the junior subordinated debentures was $341 in 2013, $342 in 2012, and $341 in 2011. The subordinated debentures may be called by PSB in part or in full on a quarterly basis.

 

PSB has fully and unconditionally guaranteed all the obligations of the Trust. The guarantee covers the quarterly distributions and payments on liquidation or redemption of the trust preferred securities to the extent of the funds held by the Trust. The trust preferred securities qualify as Tier 1 capital for regulatory capital purposes.
XML 119 R115.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements (Details 2) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Reconciliation of Fair Value Measurements    
Balance, beginning $ 47 $ 47
Total realized/unrealized gains and (losses):    
Included in earnings      
Included in other comprehensive income      
Purchases, maturities, and sales      
Balance, ending 47 47
Total gains or (losses) for the period included in earnings attributable to the change in unrealized gains or losses relating to assets still held at year end      
XML 120 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
Commitments, Contingencies, and Credit Risk
 12 Months Ended
Dec. 31, 2013
Commitments Contingencies And Credit Risk  
Commitments, Contingencies, and Credit Risk
NOTE 18 Commitments, Contingencies, and Credit Risk

 

Financial Instruments With Off-Balance-Sheet Credit Risk

 

PSB is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheets.

 

PSB’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. PSB uses the same credit policies in making commitments and conditional obligations as it does for on-balance-sheet instruments. These commitments at December 31 are as follows:

 

   2013  2012
       
Commitments to extend credit – Fixed and variable rates  $89,645   $74,121 
Commercial standby letters of credit – Variable rate   4,533    4,951 
Unused home equity lines of credit – Variable rate   24,082    22,999 
Unused credit card commitments – Variable rate   234    3,217 
Credit enhancement under the FHLB of Chicago          
Mortgage Partnership Finance program   949    1,945 
           
Totals  $119,443   $107,233 

 

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. PSB evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of credit, is based on management’s credit evaluation of the party. Collateral held varies but may include accounts receivable, inventory, property, plant, and equipment, and income-producing commercial properties.

 

Letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. Collateral held varies as specified above and is required in instances which PSB deems necessary. The commitments are generally structured to allow for 100% collateralization on all letters of credit.

 

Unfunded commitments under home equity lines of credit are commitments for possible future extensions of credit to existing customers. These lines of credit are secured by residential mortgages not to exceed the collateral property fair market value upon origination and may or may not contain a specific maturity date.

 

Credit card commitments were commitments on credit cards issued by PSB and serviced by Elan Financial Services (a subsidiary of U.S. Bancorp). These commitments were unsecured. During 2013, PSB sold its credit card loan balances to Elan Financial Services at a loss of $31 ($19 after tax benefits) on proceeds of $671. At December 31, 2013, certain card balances for which PSB provides full recourse against losses were still retained. Aggregate exposure on the full recourse balances was $328 at December 31, 2013, including $234 of unused commitments.

 

PSB participates in the FHLB Mortgage Partnership Finance Program (the “Program”) and also originates loans for purchase by FNMA. PSB enters into forward commitments to sell mortgage loans to these various secondary market agency providers under which loans are funded by the agencies and PSB receives an agency fee reported as a component of gain on sale of loans. PSB had approximately $1,507 and $10,123 in firm commitments outstanding to deliver loans to these providers at December 31, 2013 and 2012, respectively, from rate lock commitments made with customers. Until November 2008, loans delivered by PSB to the Program carried a contractually agreed-upon credit enhancement from PSB with the commitment to perform servicing of the loan.

 

Concentration of Credit Risk

 

PSB grants residential mortgage, commercial, and consumer loans predominantly in Marathon, Oneida, and Vilas counties in Wisconsin. There are no significant concentrations of credit to any one debtor or industry group. Management believes the diversity of the local economy prevents significant losses during economic downturns.

 

Contingencies

 

In the normal course of business, PSB is involved in various legal proceedings. In the opinion of management, any liability resulting from such proceedings would not have a material adverse effect on the consolidated financial statements.
XML 121 R95.htm IDEA: XBRL DOCUMENT v2.4.0.8
Derivative Instruments and Hedging Activities (Details2) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
The following floating interest rate swaps were outstanding with correspondent banks:    
Notional Amount $ 7,500 $ 7,500
Not Designated as Hedging Instrument | Interest Rate Swap Correspondent Banks
    
The following floating interest rate swaps were outstanding with correspondent banks:    
Notional Amount 14,323 14,979
Fixed rate 2.00% 1.99%
Variable rate 0.17% 0.21%
Derivative Maturity Date Low End 2015-03-31 2015-03-31
Derivative Maturity Date High End 2021-10-31 2021-10-31
Weighted average remaining term 2 years 10 months 24 days 3 years 10 months 24 days
Unrealized gain (loss) fair value $ (276) $ (673)
XML 122 R49.htm IDEA: XBRL DOCUMENT v2.4.0.8
Earnings Per Share (Tables)
 12 Months Ended
Dec. 31, 2013
Earnings Per Share Tables  
Schedule of computation of earnings per share

The computation of earnings per share for the years ended December 31 is as follows:

 

   2013  2012  2011
          
Weighted average shares outstanding   1,652,700    1,663,147    1,652,861 
Effect of dilutive stock options outstanding   0    58    858 
                
Diluted weighted average shares outstanding   1,652,700    1,663,205    1,653,719 
                
Basic earnings per share  $2.87   $3.61   $3.21 
                
Diluted earnings per share  $2.87   $3.61   $3.21 
XML 123 R105.htm IDEA: XBRL DOCUMENT v2.4.0.8
Stock Based Compensation (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Restricted Stock Shares      
Restricted shares balance, beginning 30,409 25,572 19,452
Restricted shares granted 8,076 8,895 9,130
Restricted shares vested (5,883) (4,058) (3,010)
Restricted shares balance, ending 32,602 30,409 25,572
Weighted Average Grant Price      
Weighted Average Grant Price, beginning $ 19.39 $ 17.79 $ 15.68
Weighted Average Grant Price, granted $ 26.00 $ 22.48 $ 21.90
Weighted Average Grant Price, vested $ (17.85) $ (16.08) $ (16.62)
Weighted Average Grant Price, ending $ 21.30 $ 19.39 $ 17.79
XML 124 R41.htm IDEA: XBRL DOCUMENT v2.4.0.8
Deposits (Tables)
 12 Months Ended
Dec. 31, 2013
Deposits Tables  
Schedule of distribution of deposits

The distribution of deposits at December 31 is as follows:

 

   2013  2012
       
Non-interest-bearing demand  $102,644   $89,819 
Interest-bearing demand (NOWs)   118,769    131,404 
Savings   57,658    53,799 
Money market   136,797    124,501 
Retail and local time   104,287    111,462 
Wholesale market and national time   57,359    54,457 
           
Total deposits  $577,514   $565,442 
Scheduled maturities of time deposits

The scheduled maturities of time deposits at December 31, 2013, are summarized as follows:

 

2014  $82,077 
2015   26,952 
2016   14,809 
2017   18,165 
2018   16,737 
Thereafter   2,906 
      
Total  $161,646 
XML 125 R107.htm IDEA: XBRL DOCUMENT v2.4.0.8
Stock Based Compensation (Details 2) (USD $)
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Stock Options    
Stock options outstanding, beginning 588 3,827
Options granted      
Options exercised (588) (2,952)
Options forfeited    (287)
Stock options outstanding, ending    588
Weighted Average Price    
Stock options outstanding, beginning $ 16.03 $ 15.23
Options granted $ 0.00 $ 0.00
Options exercised $ 16.03 $ 15.09
Options forfeited $ 0.00 $ 15.08
Stock options outstanding, ending $ 0.00 $ 16.03
XML 126 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
Consolidated Statements of Comprehensive Income (USD $)
In Thousands, unless otherwise specified
 3 Months Ended 12 Months Ended
Dec. 31, 2013
Sep. 30, 2013
Jun. 30, 2013
Mar. 31, 2013
Dec. 31, 2012
Sep. 30, 2012
Jun. 30, 2012
Mar. 31, 2012
Dec. 31, 2011
Sep. 30, 2011
Jun. 30, 2011
Mar. 31, 2011
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Statement of Comprehensive Income [Abstract]                              
Net income $ 1,561 $ 13 $ 1,561 $ 1,609 $ 1,685 $ 1,226 $ 1,918 $ 1,180 $ 1,400 $ 1,394 $ 1,226 $ 1,285 $ 4,744 $ 6,009 $ 5,305
Other comprehensive income, net of tax:                              
Unrealized gain (loss) on securities available for sale                         (961) (191) 109
Reclassification adjustment for net gain, included in net income                         (7)    (19)
Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income                         (236) (274) (348)
Unrealized gain (loss) on interest rate swap                         46 (179) (447)
Reclassification adjustment of interest rate swap settlements included in earnings                         113 104 111
Comprehensive income                         $ 3,699 $ 5,469 $ 4,711
XML 127 R88.htm IDEA: XBRL DOCUMENT v2.4.0.8
Other Borrowings (Details 1) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Securities Sold Under Repurchase Agreements and Wholesale Repurchase Agreements    
Weighted average rate as of end of period 3.08% 2.81%
Highest month-end balance $ 24,100 $ 20,728
Daily average balance $ 21,862 $ 19,190
Weighted average rate 2.97% 3.11%
XML 128 R10.htm IDEA: XBRL DOCUMENT v2.4.0.8
Merger and Acquisition Activity
 12 Months Ended
Dec. 31, 2013
Merger And Acquisition Activity  
Merger and Acquisition Activity
NOTE 2 Merger and Acquisition Activity

 

Purchase of Marathon State Bank

 

On June 14, 2012, PSB purchased Marathon State Bank, a privately owned bank with $107 million in total assets located in the village of Marathon City, Wisconsin (“Marathon”). Under the terms of the agreement, PSB paid $5,505 in cash, which was equal to 100% of Marathon’s tangible net book value following a special dividend by Marathon to its shareholders to reduce its book equity ratio to 6% of total assets. The following table outlines the fair value of Marathon assets and liabilities acquired, including determination of the gain on bargain purchase using an accounting date of June 1, 2012. A core deposit intangible was not recorded on the purchase since the fair value calculation determined it was insignificant.

 

Cash purchase price  $5,505 
      
Fair value of assets acquired:     
Cash and due from banks   20,392 
Securities available for sale   50,547 
Loans receivable   23,760 
Short-term commercial paper and bankers’ acceptances   11,713 
Foreclosed assets   0 
Premises and equipment   402 
Core deposit intangible   0 
Accrued interest receivable and other assets   550 
      
Total fair value of assets acquired   107,364 
      
Fair value of liabilities assumed:     
Non-interest-bearing deposits   23,255 
Interest-bearing deposits   77,611 
Accrued interest payable and other liabilities   142 
      
Total fair value of liabilities assumed   101,008 
      
Fair value of net assets acquired   6,356 
      
Gain on bargain purchase  $851 

 

PSB recorded a total credit markdown of $490 on Marathon’s loan portfolio on the purchase date, or 2.05% of gross purchased loan principal. Purchased impaired loan principal totaled $310 on which a $21 credit write-down was recorded. Due to the insignificant amount of total purchased impaired loans, the entire $490 credit markdown is accreted to income as a yield adjustment based on contractual cash flows over the remaining life of the purchased loans.

 

The gain on bargain purchase was due primarily to PSB’s recognition of fair value associated with Marathon’s investment securities and premises and equipment that was not previously recognized by Marathon in its stockholders’ equity, upon which the purchase price was factored.

 

Pro forma combined results of operations as if the combination occurred at the beginning of the year-to-date period ended December 31, 2012, are as follows:

 

   (pro forma combined at beginning of period)
   Net Interest  Noninterest  Net  Earnings
   Income  Income  Income  Per Share
             
PSB Holdings, Inc.  $19,670   $5,706   $5,587   $3.36 
Marathon State Bank   1,158    880    468    0.28 
                     
Pro forma totals  $20,828   $6,586   $6,055   $3.64 

 

Agreement to Purchase Rhinelander, Wisconsin, Branch

 

On January 22, 2014, the Bank entered into a definitive purchase agreement with The Baraboo National Bank ("Baraboo") to purchase Baraboo's branch location located in Rhinelander, Wisconsin, along with the related deposits and performing loans. The Bank also agreed to purchase the customer loans held at Baraboo's Elcho, Wisconsin, branch location. Under the terms of the agreement, the Bank will pay a deposit premium equal to 1.65% of purchased core deposits as defined in the agreement. At December 31, 2013, the branch to be purchased held approximately $22 million in loans receivable and $44 million in customer deposits. The transaction is expected to close during the quarter ended June 30, 2014.
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Securities (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Number
Dec. 31, 2012
Number
Dec. 31, 2011
Dec. 31, 2010
Securities Details Narrative        
Number of debt securities with unrealized losses 167 35    
Aggregate depreciation from amortized cost basis 3.36% 1.10%    
Securities Pledged as Collateral $ 47,593 $ 44,914    
Gain on sale of securities 12    32  
Reclassification adjustment for security gain included in net income 7    19  
Proceeds from sale of securities available for sale 986    37  
Fair value of securities transferred from available-for-sale to held-to-maturity       54,130
Unrealized gains on transfer of securities       $ 2,552
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Deposits (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Distribution of deposits    
Non-interest bearing demand $ 102,644 $ 89,819
Interest bearing demand (NOWs) 118,769 131,404
Savings 57,658 53,799
Money market 136,797 124,501
Retail and local time 104,287 111,462
Broker and national time 57,359 54,457
Total deposits $ 577,514 $ 565,442
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Stock Based Compensation (Details 1) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Compensation Expense Schedule Assuming all RSUs Vest  
Compensation expense 2014 $ 146
Compensation expense 2015 137
Compensation expense 2016 122
Compensation expense 2017 82
Compensation expense 2018 42
Compensation expense, total $ 529
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Loans (Details 5) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Consumer Credit Exposure    
Loans receivable, consumer credit exposure $ 166,501 $ 147,297
Performing
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 164,355 144,325
Impaired
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 2,146 2,972
Residential Prime
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 123,980 105,579
Residential Prime | Performing
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 122,408 103,292
Residential Prime | Impaired
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 1,572 2,287
Residential HELOC
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 20,677 21,756
Residential HELOC | Performing
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 20,167 21,250
Residential HELOC | Impaired
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 510 506
Construction and Development
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 18,277 15,247
Construction and Development | Performing
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 18,230 15,094
Construction and Development | Impaired
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 47 153
Consumer Loan
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 3,567 4,715
Consumer Loan | Performing
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure 3,550 4,689
Consumer Loan | Impaired
    
Consumer Credit Exposure    
Loans receivable, consumer credit exposure $ 17 $ 26
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Stock Based Compensation
 12 Months Ended
Dec. 31, 2013
Stock Based Compensation  
Stock Based Compensation
NOTE 19 Stock Based Compensation

 

PSB granted shares of restricted stock to certain employees having a market value of $210, $200, and $200, during 2013, 2012, and 2011, respectively. The restricted shares vest to employees based on continued PSB service over a six-year period and are recognized as compensation expense over the vesting period. Cash dividends are paid on unvested shares at the same time and amount as paid to PSB common shareholders. Cash dividends paid on unvested restricted stock shares are charged to retained earnings since significantly all restricted shares are expected to vest to employees. As of December 31, 2013, 32,602 shares of restricted stock remained unvested. Unvested shares are subject to forfeiture upon employee termination.

 

The following table summarizes information regarding unvested restricted stock and shares outstanding during the three years ended December 31, 2013, 2012, and 2011.

 

   Unvested  Weighted Average
   Shares  Grant Value
       
January 1, 2011   19,452   $15.68 
Restricted shares granted   9,130    21.90 
Restricted shares vested   (3,010)   (16.62)
           
December 31, 2011   25,572    17.79 
Restricted shares granted   8,895    22.48 
Restricted shares vested   (4,058)   (16.08)
           
December 31, 2012   30,409    19.39 
Restricted shares granted   8,076    26.00 
Restricted shares vested   (5,883)   (17.85)
           
December 31, 2013   32,602   $21.30 

 

During 2013, total compensation expense of $145 (before tax benefits of $57) was recorded from amortization of restricted shares expected to vest. During 2012, total compensation expense of $105 (before tax benefits of $41) was recorded from amortization of restricted shares expected to vest. During 2011, total compensation expense of $78 (before tax benefits of $31) was recorded from amortization of restricted shares expected to vest. Future projected compensation expense (before tax benefits) assuming all restricted shares eventually vest to employees would be as follows:

 

2014  $146 
2015   137 
2016   122 
2017   82 
2018   42 
      
Total  $529 

 

Under the terms of an incentive stock option plan adopted during 2001, shares of unissued common stock were reserved for options to officers and key employees at prices not less than the fair market value of the shares at the date of the grant. No additional shares of common stock remain reserved for future grants under the option plan approved by the shareholders, and the last outstanding option shares were exercised during 2012. No stock option plan expense was recorded in 2012 or 2011. The following table summarizes information regarding stock option activity during the two years ended December 31, 2012.

 

      Weighted
      Average
   Shares  Price
       
January 1, 2011   3,827   $15.23 
Options granted   0    0.00 
Options exercised   (2,952)   15.09 
Option forfeited   (287)   15.08 
           
December 31, 2011   588    16.03 
Options granted   0    0.00 
Options exercised   (588)   16.03 
Option forfeited   0    0.00 
           
December 31, 2012   0   $0.00 
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Statement - Consolidated Statements of Comprehensive Income Process Flow-Through: 00000007 - Statement - Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) Process Flow-Through: 00000008 - Statement - Consolidated Statements of Cash Flows psbq-20131231.xml psbq-20131231.xsd psbq-20131231_cal.xml psbq-20131231_def.xml psbq-20131231_lab.xml psbq-20131231_pre.xml true true XML 135 R117.htm IDEA: XBRL DOCUMENT v2.4.0.8
Fair Value Measurements (Details 4) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Quoted Prices in Active Markets for Identical Assets (Level 1)
    
Cash and cash equivalents $ 31,522 $ 48,847
Siginficant Other Observable Inputs (Level 2)
    
Securities 131,479 145,795
Net loans receivable and loans held for sale 150 1,212
Mortgage rate lock commitments 14 91
Cash surrender value of life insurance 12,826 11,813
Interest rate swap agreements 276 673
FHLB advances 38,511 51,590
Other borrowings 14,364 14,890
Interest rate swap agreements 714 1,372
Significant Unobservable Inputs (Level 3)
    
Securities 1,843 1,956
Other investments 2,280 4,538
Net loans receivable and loans held for sale 514,159 483,713
Accrued interest receivable 2,076 2,157
Mortgage servicing rights 1,696 1,233
FHLB stock 2,556 2,506
Deposits 578,387 568,014
Other borrowings 6,887 7,228
Senior subordinated notes 3,489 7,000
Junior subordinated debentures 7,085 4,911
Accrued interest payable 477 697
Carrying Amount
    
Cash and cash equivalents 31,522 48,847
Securities 133,279 145,209
Other investments 2,236 4,465
Net loans receivable and loans held for sale 510,030 478,875
Accrued interest receivable 2,076 2,157
Mortgage servicing rights 1,696 1,233
Mortgage rate lock commitments 14 91
FHLB stock 2,556 2,506
Cash surrender value of life insurance 12,826 11,813
Interest rate swap agreements 276 673
Deposits 577,514 565,442
FHLB advances 38,049 50,124
Other borrowings 20,441 20,728
Senior subordinated notes 4,000 7,000
Junior subordinated debentures 7,732 7,732
Interest rate swap agreements 714 1,372
Accrued interest payable 477 697
Estimate of Fair Value, Fair Value Disclosure
    
Cash and cash equivalents 31,522 48,847
Securities 133,322 147,751
Other investments 2,280 4,538
Net loans receivable and loans held for sale 514,309 484,925
Accrued interest receivable 2,076 2,157
Mortgage servicing rights 1,696 1,233
Mortgage rate lock commitments 14 91
FHLB stock 2,556 2,506
Cash surrender value of life insurance 12,826 11,813
Interest rate swap agreements 276 673
Deposits 578,387 568,014
FHLB advances 38,511 51,590
Other borrowings 21,251 22,118
Senior subordinated notes 3,489 7,000
Junior subordinated debentures 7,085 4,911
Interest rate swap agreements 714 1,372
Accrued interest payable $ 477 $ 697
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Foreclosed Assets (Details Narrative) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Foreclosed Assets Details Narrative      
Total loss on foreclosed assets $ 428 $ 573 $ 1,197
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Foreclosed Assets (Tables)
 12 Months Ended
Dec. 31, 2013
Foreclosed Assets Tables  
Schedule of Foreclosed Assets

A summary of activity in foreclosed assets for the period ended December 31 is as follows:

 

   2013  2012  2011
Balance at beginning of year  $1,774   $2,939   $4,967 
Transfer of loans at net realizable value to foreclosed assets   1,342    1,295    1,006 
Sale proceeds   (831)   (1,527)   (987)
Loans made on sale of foreclosed assets   (234)   (490)   (1,075)
Net gain from sale of foreclosed assets   105    42    20 
Provision for write-down charged to operations   (406)   (485)   (992)
                
Balance at end of year  $1,750   $1,774   $2,939 
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Senior Subordinated Notes
 12 Months Ended
Dec. 31, 2013
SeniorSubordinatedNotesAbstract  
Senior Subordinated Notes
NOTE 12 Senior Subordinated Notes

 

During 2009, PSB issued $7,000 of Senior Subordinated Notes (the “Notes”) on a private placement basis. The Notes carried a fixed interest rate of 8.00% paid quarterly and scheduled to mature on July 1, 2019. Under current banking regulatory capital rules, the Notes qualified as Tier 2 regulatory equity capital at December 31, 2012.

 

During 2013, PSB elected to prepay the Notes in full with $1,000 of cash and $6,000 in proceeds from an issue of new subordinated debt. The new debt includes $4,000 of privately placed notes carrying a 3.75% fixed interest rate with interest only payments, due in 2018, and $2,000 in a fully amortizing term note with Bankers’ Bank, Madison, Wisconsin, carrying a floating rate of interest and maturing in 2015. The $4,000 of new debt is held by related parties, including directors and a significant shareholder. The $6,000 in new subordinated debt did not qualify as Tier 2 regulatory capital at December 31, 2013. Total interest expense on senior subordinated notes was $184 during 2013, $578 during 2012, and $567 during 2011. Notes held by related parties including directors, their families, or significant shareholders totaled $4,000 at December 31, 2013 and $3,250 at December 31, 2012.
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Income Taxes (Details 3) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Pre-Tax Income (Expense)      
Unrealized gain (loss) on securities available for sale $ (1,574) $ (310) $ 180
Reclassification adjustment for gain included in net income (12)    (32)
Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income (420) (452) (516)
Unrealized gain (loss) on interest rate swap 75 (295) (734)
Relassification of interest rate swap settlements included in earnings 186 172 183
Totals (1,745) (885) (919)
Income Tax Expense (Credit)      
Unrealized gain (loss) on securities available for sale (613) (119) 71
Reclassification adjustment for gain included in net income (5)    (13)
Amortization of unrealized gain on securities available for sale transferred to securities held to maturity included in net income (184) (178) (168)
Unrealized gain (loss) on interest rate swap 29 (116) (287)
Relassification of interest rate swap settlements included in earnings 73 68 72
Totals $ (700) $ (345) $ (325)