FDIC Certificate #: 13992 Status: Active Federal Reserve ID: 505242 Bank Holding Company (Regulatory Top Holder): Peoples Holding Corp. (RSSDID: 1203684, Location: Winfield, IA) Date Established: January 01, 1934 WWW:http://www.peoplesstatebk.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 8751 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: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: March 08, 1934 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: 109 South Locust Street, Winfield, IA 52659 County: Henry Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Cedar Rapids Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $26.2 mil Equity capital: $2.7 mil Deposits held in domestic offices: $23.3 mil Return on assets (ROA): 0.72% ($0.2 mil) Quarterly return on assets: 0.05% ($0.0 mil) Return on Equity (ROE): 7.47% ($0.2 mil) Quarterly return on equity: 0.44% ($0.0 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.76% ($199.2 mil) Quarterly Pretax return on assets: 0.06% ($15.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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)
$26,213Total assets
$919Cash and due from depository institutions
$0Interest-bearing balances
$13,165Securities
$625Federal funds sold & reverse repurchase agreements
$10,381Net loans & leases
$138Loan loss allowance
$0Trading account assets
$674Bank premises and fixed assets
$156Other real estate owned
$0Goodwill and other intangibles
$26,213Life insurance assets
$293All other assets
$23,501Total liabilities and capital
$23,321Total liabilities
$19,885Total deposits
$23,321Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$180Subordinated debt
$2,712All other liabilities
$2,712Total equity capital
$2,712Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$800Surplus
$1,712Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$541Income earned, not collected on loans
$0Earning assets
$200Long-term assets (5+ years)
$24,171Average Assets, year-to-date
$13,735Average Assets, quarterly
$25,683Volatile liabilities
$26,025Insider loans
$12,217FHLB advances
$26,040Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,405Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$19Restructured Loans and leases
$255Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,097Total interest income
$281Total interest expense
$816Net interest income
-$15Provision for loan and lease losses
$61Total noninterest income
$0Fiduciary activities
$74Service charges on deposit accounts
$0Trading account gains & fees
-$13Additional noninterest income
$781Total noninterest expense
$391Salaries and employee benefits
$162Premises and equipment expense
$228Additional noninterest expense
$111Pre-tax net operating income
$84Securities gains (losses)
$10Applicable income taxes
$185Income before extraordinary items
$0Extraordinary gains - net
$185Net income attributable to bank
$0Net charge-offs
$185Cash dividends
-$31Sale, conversion, retirement of capital stock, net
$70Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.63%Yield on earning assets
1.19%Cost of funding earning assets
3.44%Net interest margin
0.26%Noninterest income to earning assets
3.30%Noninterest expense to earning assets
0.41%Net operating income to assets
0.72%Return on assets (ROA)
0.76%Pretax return on assets
7.47%Return on equity (ROE)
4.65%Retained earnings to average equity (YTD only)
-0.30%Net charge-offs to loans
48.39%Credit loss provision to net charge-offs
0.00%Efficiency ratio
89,054Assets per employee
4.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
37.84%Loss allowance to loans
1.31%Loss allowance to noncurrent loans
25.51%Noncurrent assets plus other real estate owned to assets
2.66%Noncurrent loans to loans
5.14%Net loans and leases to deposits
44.51%Net loans and leases to core deposits
44.51%Equity capital to assets
10.35%Core capital (leverage) ratio
9.24%Tier 1 risk-based capital ratio
19.69%Total risk-based capital ratio
Memoranda
$21Average assets
$25,683Average earning assets
$2,476Average equity
$23,699Average loans
List of branches
1 Iowa Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
8751
Peoples State Bank
109 South Locust Street, Winfield, IA 52659
January 01, 1934
Full Service Brick and Mortar
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