The Peoples State Bank in city_name, state_name - Detailed Financial Reports, Location

The Peoples State Bank in Ellettsville, Indiana (IN)
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The Peoples State Bank routing number info

The Peoples State Bank - Overview

General
FDIC Certificate #: 14113
Status: Active
Federal Reserve ID: 454546
Bank Holding Company (Regulatory Top Holder): Ellettsville Bancshares, Inc. (RSSDID: 1206676, Location: Ellettsville, IN)
Date Established: January 01, 1904
WWW: http://www.peoples-bank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 12247
FDIC's unique #: 8819
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: Commercial Lending Specialization
Date of Deposit Insurance: March 26, 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: 601 East Temperance Street, Ellettsville, IN 47429
County: Monroe
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Indianapolis
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Bloomington, IN (#1020)
Core Based Statistical Area (CBSA): Bloomington, IN (#14020)
CBSA Metro Statistical Area: Bloomington, IN (#14020)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $177.0 mil
Equity capital: $18.1 mil
Deposits held in domestic offices: $155.7 mil
Return on assets (ROA): 0.89% ($1.6 mil)
Quarterly return on assets: 0.79% ($1.4 mil)
Return on Equity (ROE): 9.35% ($1.7 mil)
Quarterly return on equity: 7.89% ($1.4 mil)
Net income: $1.6 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.89% ($1,575.4 mil)
Quarterly Pretax return on assets: 0.79% ($1,398.4 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
87Total employees (full-time equivalent)
$177,016Total assets
$11,523Cash and due from depository institutions
$6,074Interest-bearing balances
$59,240Securities
$49Federal funds sold & reverse repurchase agreements
$93,574Net loans & leases
$2,162Loan loss allowance
$0Trading account assets
$3,590Bank premises and fixed assets
$4,317Other real estate owned
$2,054Goodwill and other intangibles
$177,016Life insurance assets
$2,669All other assets
$158,932Total liabilities and capital
$155,746Total liabilities
$127,381Total deposits
$155,746Interest-bearing deposits
$94Deposits held in domestic offices
2526.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$660Subordinated debt
$18,084All other liabilities
$18,084Total equity capital
$18,084Total bank equity capital
$0Perpetual preferred stock
$238Common stock
$9,900Surplus
$7,946Undivided profits
Memoranda
$0Noncurrent loans and leases
$1,052Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,737Income earned, not collected on loans
$0Earning assets
$756Long-term assets (5+ years)
$158,937Average Assets, year-to-date
$89,069Average Assets, quarterly
$177,595Volatile liabilities
$179,766Insider loans
$129,014FHLB advances
$182,529Loans and leases held for sale
$627Unused loan commitments
$627Tier 1 (core) risk-based capital
$18,263Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,139Restructured Loans and leases
$934Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$8,773Total interest income
$1,594Total interest expense
$7,179Net interest income
$175Provision for loan and lease losses
$2,122Total noninterest income
$6Fiduciary activities
$547Service charges on deposit accounts
$0Trading account gains & fees
$1,569Additional noninterest income
$7,545Total noninterest expense
$3,896Salaries and employee benefits
$727Premises and equipment expense
$2,922Additional noninterest expense
$1,581Pre-tax net operating income
$5Securities gains (losses)
$0Applicable income taxes
$1,586Income before extraordinary items
$0Extraordinary gains - net
$1,586Net income attributable to bank
$0Net charge-offs
$1,586Cash dividends
$217Sale, conversion, retirement of capital stock, net
$157Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.47%Yield on earning assets
0.99%Cost of funding earning assets
4.48%Net interest margin
1.32%Noninterest income to earning assets
4.71%Noninterest expense to earning assets
0.89%Net operating income to assets
0.89%Return on assets (ROA)
0.89%Pretax return on assets
9.35%Return on equity (ROE)
8.42%Retained earnings to average equity (YTD only)
0.22%Net charge-offs to loans
80.65%Credit loss provision to net charge-offs
8.09%Efficiency ratio
81,120Assets per employee
2.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
9.90%Loss allowance to loans
2.26%Loss allowance to noncurrent loans
124.47%Noncurrent assets plus other real estate owned to assets
3.42%Noncurrent loans to loans
1.81%Net loans and leases to deposits
60.08%Net loans and leases to core deposits
60.79%Equity capital to assets
10.22%Core capital (leverage) ratio
10.01%Tier 1 risk-based capital ratio
14.16%Total risk-based capital ratio
Memoranda
$15Average assets
$177,595Average earning assets
$16,966Average equity
$160,241Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$2,324Managed Assets
1Number of Accounts
$2,324Personal trust and agency accounts
$621Employee benefit-defined contribution accounts
$1,701Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$2Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
81Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

11 Indiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	8819	The Peoples State Bank	601 East Temperance Street, Ellettsville, IN 47429	January 01, 1904	Full Service Brick and Mortar
1	230961	North Bloomington Branch	202 West 17th Street, Bloomington, IN 47401	August 16, 1971	Full Service Brick and Mortar
2	230962	South Bloomington Branch	301 East Winslow Road, Bloomington, IN 47401	Febuary 20, 1985	Full Service Brick and Mortar
3	230963	Spencer Branch	304 Morgan Street, Spencer, IN 47460	December 22, 1987	Full Service Brick and Mortar
4	230964	Kirkwood Branch	200 Kirkwood, Bloomington, IN 47401	August 03, 1987	Full Service Brick and Mortar
5	230965	Morgantown Branch	289 South Marion Street, Morgantown, IN 46160	May 10, 1993	Full Service Brick and Mortar
6	230966	Paragon Branch	State Road 67, Rr #1, Paragon, IN 46166	Febuary 25, 1997	Full Service Brick and Mortar
7	340845	College Mall Branch	525 Clarizz Blvd., Bloomington, IN 47408	March 13, 2000	Full Service Brick and Mortar
8	357208	West Bloomington Branch	3400 West Third Street, Bloomington, IN 47404	May 03, 2000	Full Service Brick and Mortar
9	44227	Brown County Branch	Salt Creek Plaza, Nashville, IN 47448	January 01, 1962	Full Service Brick and Mortar
10	470394	Messenger Service	601 East Temperance Street, Ellettsville, IN 47429	January 02, 2008	Limited Service Messenger

The Peoples State Bank in Ellettsville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Peoples State Bank in Ellettsville, Indiana (IN)Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

The Peoples State Bank in Ellettsville, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches