FDIC Certificate #: 19105 Status: Active Federal Reserve ID: 418436 Date Established: May 11, 1964 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 #: 12937 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: Other Specialized Lending < 1 Billion Date of Deposit Insurance: May 11, 1964 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: 191 North Front Street, Macon, IL 62544 County: Macon Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Champaign Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Decatur, IL (#2040) Core Based Statistical Area (CBSA): Decatur, IL (#19500) CBSA Metro Statistical Area: Decatur, IL (#19500)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $18.8 mil Equity capital: $2.8 mil Deposits held in domestic offices: $15.5 mil Return on assets (ROA): 0.59% ($0.1 mil) Quarterly return on assets: 0.58% ($0.1 mil) Return on Equity (ROE): 3.87% ($0.1 mil) Quarterly return on equity: 4.00% ($0.1 mil) Net income: $0.1 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.72% ($135.4 mil) Quarterly Pretax return on assets: 0.75% ($141.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
6Total employees (full-time equivalent)
$18,805Total assets
$3,128Cash and due from depository institutions
$0Interest-bearing balances
$7,991Securities
$0Federal funds sold & reverse repurchase agreements
$7,375Net loans & leases
$81Loan loss allowance
$0Trading account assets
$149Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,804Life insurance assets
$162All other assets
$16,038Total liabilities and capital
$15,473Total liabilities
$12,915Total deposits
$15,473Interest-bearing deposits
$100Deposits held in domestic offices
444.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$121Subordinated debt
$2,766All other liabilities
$2,766Total equity capital
$2,766Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$600Surplus
$2,046Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$56Long-term assets (5+ years)
$15,366Average Assets, year-to-date
$5,377Average Assets, quarterly
$18,295Volatile liabilities
$19,229Insider loans
$7,988FHLB advances
$19,640Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,766Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$671Restructured Loans and leases
$240Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$682Total interest income
$85Total interest expense
$597Net interest income
$0Provision for loan and lease losses
$49Total noninterest income
$0Fiduciary activities
$22Service charges on deposit accounts
$0Trading account gains & fees
$27Additional noninterest income
$514Total noninterest expense
$331Salaries and employee benefits
$66Premises and equipment expense
$117Additional noninterest expense
$132Pre-tax net operating income
$0Securities gains (losses)
$24Applicable income taxes
$108Income before extraordinary items
$0Extraordinary gains - net
$108Net income attributable to bank
$0Net charge-offs
$108Cash dividends
$2Sale, conversion, retirement of capital stock, net
$96Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.39%Yield on earning assets
0.55%Cost of funding earning assets
3.84%Net interest margin
0.32%Noninterest income to earning assets
3.31%Noninterest expense to earning assets
0.59%Net operating income to assets
0.59%Return on assets (ROA)
0.72%Pretax return on assets
3.87%Return on equity (ROE)
0.43%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
66.00%Efficiency ratio
79,567Assets per employee
3.13%Cash dividends to net income (YTD only)
Condition Ratios (%)
88.89%Loss allowance to loans
1.09%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
47.66%Net loans and leases to core deposits
48.61%Equity capital to assets
14.71%Core capital (leverage) ratio
14.08%Tier 1 risk-based capital ratio
34.63%Total risk-based capital ratio
Memoranda
$36Average assets
$18,295Average earning assets
$2,789Average equity
$15,538Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12937
Peoples Bank Of Macon
191 North Front Street, Macon, IL 62544
May 11, 1964
Full Service Brick and Mortar
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