FDIC Certificate #: 34146 Status: Active Federal Reserve ID: 2396592 Bank Holding Company (Regulatory Top Holder): Pbs Bancshares, Inc. (RSSDID: 4096645, Location: Seneca, MO) Date Established: March 15, 1996 WWW:http://www.peoplesbankofseneca.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 56290 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: March 15, 1996 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 1615 Cherokee Avenue, Seneca, MO 64865 County: Newton Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Springfield Mo Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: West Metropolitan Statistical Area (MSA): Joplin, MO (#3710) Core Based Statistical Area (CBSA): Joplin, MO (#27900) CBSA Metro Statistical Area: Joplin, MO (#27900)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $95.5 mil Equity capital: $8.2 mil Deposits held in domestic offices: $75.2 mil Return on assets (ROA): 1.27% ($1.2 mil) Quarterly return on assets: 1.02% ($1.0 mil) Return on Equity (ROE): 15.25% ($1.2 mil) Quarterly return on equity: 12.13% ($1.0 mil) Net income: $1.1 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.90% ($1,814.5 mil) Quarterly Pretax return on assets: 1.81% ($1,728.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
18Total employees (full-time equivalent)
$95,500Total assets
$2,533Cash and due from depository institutions
$630Interest-bearing balances
$23,333Securities
$9,637Federal funds sold & reverse repurchase agreements
$56,504Net loans & leases
$953Loan loss allowance
$0Trading account assets
$1,583Bank premises and fixed assets
$188Other real estate owned
$0Goodwill and other intangibles
$95,500Life insurance assets
$1,722All other assets
$87,320Total liabilities and capital
$75,243Total liabilities
$58,325Total deposits
$75,243Interest-bearing deposits
$63Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$11,750Trading liabilities
$0Other borrowed funds
$327Subordinated debt
$8,180All other liabilities
$8,180Total equity capital
$8,180Total bank equity capital
$0Perpetual preferred stock
$1,250Common stock
$1,250Surplus
$5,680Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$698Income earned, not collected on loans
$0Earning assets
$429Long-term assets (5+ years)
$90,104Average Assets, year-to-date
$17,175Average Assets, quarterly
$90,258Volatile liabilities
$96,098Insider loans
$58,841FHLB advances
$91,779Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,900Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,254Total interest income
$736Total interest expense
$3,518Net interest income
$465Provision for loan and lease losses
$835Total noninterest income
$0Fiduciary activities
$250Service charges on deposit accounts
$0Trading account gains & fees
$585Additional noninterest income
$2,192Total noninterest expense
$1,104Salaries and employee benefits
$293Premises and equipment expense
$795Additional noninterest expense
$1,696Pre-tax net operating income
$20Securities gains (losses)
$567Applicable income taxes
$1,149Income before extraordinary items
$0Extraordinary gains - net
$1,149Net income attributable to bank
$0Net charge-offs
$1,149Cash dividends
$363Sale, conversion, retirement of capital stock, net
$250Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.99%Yield on earning assets
0.86%Cost of funding earning assets
4.13%Net interest margin
0.98%Noninterest income to earning assets
2.57%Noninterest expense to earning assets
1.26%Net operating income to assets
1.27%Return on assets (ROA)
1.90%Pretax return on assets
15.25%Return on equity (ROE)
11.93%Retained earnings to average equity (YTD only)
0.63%Net charge-offs to loans
128.10%Credit loss provision to net charge-offs
5.95%Efficiency ratio
50,356Assets per employee
5.31%Cash dividends to net income (YTD only)
Condition Ratios (%)
21.76%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
136.53%Noncurrent assets plus other real estate owned to assets
0.93%Noncurrent loans to loans
1.21%Net loans and leases to deposits
75.10%Net loans and leases to core deposits
79.45%Equity capital to assets
8.57%Core capital (leverage) ratio
8.61%Tier 1 risk-based capital ratio
13.43%Total risk-based capital ratio
Memoranda
$15Average assets
$90,258Average earning assets
$7,535Average equity
$85,233Average loans
List of branches
1 Missouri Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
56290
People's Bank Of Seneca
1615 Cherokee Avenue, Seneca, MO 64865
March 15, 1996
Full Service Brick and Mortar
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