People's Bank of Seneca in Seneca, Missouri (MO)

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People's Bank of Seneca routing number info

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People's Bank of Seneca
GeneralFDIC 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
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$95,500
Cash and due from depository institutions$2,533
Interest-bearing balances$630
Federal funds sold & reverse repurchase agreements$9,637
Net loans & leases$56,504
Loan loss allowance $953
Trading account assets$0
Bank premises and fixed assets$1,583
Other real estate owned$188
Goodwill and other intangibles$0
All other assets$1,722
Life insurance assets$95,500
Total liabilities and capital$87,320
Total liabilities$75,243
Total deposits$58,325
Interest-bearing deposits$75,243
Deposits held in domestic offices$63
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,750
Other borrowed funds $0
Subordinated debt $327
All other liabilities $8,180
Total equity capital$8,180
Total bank equity capital$8,180
Perpetual preferred stock$0
Common stock$1,250
Undivided profits $5,680
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $698
Earning assets $0
Long-term assets (5+ years) $429
Average Assets, year-to-date $90,104
Average Assets, quarterly $17,175
Volatile liabilities $90,258
Insider loans $96,098
FHLB advances $58,841
Loans and leases held for sale $91,779
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,900
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,254
Total interest expense $736
Net interest income $3,518
Provision for loan and lease losses $465
Total noninterest income $835
Fiduciary activities $0
Service charges on deposit accounts $250
Trading account gains & fees $0
Additional noninterest income $585
Total noninterest expense $2,192
Salaries and employee benefits $1,104
Premises and equipment expense $293
Additional noninterest expense $795
Pre-tax net operating income $1,696
Securities gains (losses) $20
Applicable income taxes $567
Income before extraordinary items $1,149
Extraordinary gains - net $0
Net income attributable to bank $1,149
Net charge-offs $0
Cash dividends $1,149
Sale, conversion, retirement of capital stock, net $363
Net operating income $250
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.99%
Cost of funding earning assets 0.86%
Net interest margin 4.13%
Noninterest income to earning assets 0.98%
Noninterest expense to earning assets 2.57%
Net operating income to assets 1.26%
Return on assets (ROA) 1.27%
Pretax return on assets 1.90%
Return on equity (ROE) 15.25%
Retained earnings to average equity (YTD only) 11.93%
Net charge-offs to loans 0.63%
Credit loss provision to net charge-offs 128.10%
Efficiency ratio5.95%
Assets per employee$50,356
Cash dividends to net income (YTD only)5.31%
Condition Ratios (%)
Loss allowance to loans 21.76%
Loss allowance to noncurrent loans 1.66%
Noncurrent assets plus other real estate owned to assets 136.53%
Noncurrent loans to loans 0.93%
Net loans and leases to deposits1.21%
Net loans and leases to core deposits 75.10%
Equity capital to assets 79.45%
Core capital (leverage) ratio 8.57%
Tier 1 risk-based capital ratio 8.61%
Total risk-based capital ratio 13.43%
Average assets$15
Average earning assets$90,258
Average equity $7,535
Average loans $85,233
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1 Missouri Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
056290People's Bank Of Seneca1615 Cherokee Avenue, Seneca, MO 64865March 15, 1996Full Service Brick and Mortar
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