Peoples Bank in Cuba, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank - Overview

  • General
  • FDIC Certificate #: 12230
    Status: Active
    Federal Reserve ID: 948250
    Bank Holding Company (Regulatory Top Holder): Peoples Bancorporation, Inc. (RSSDID: 2618427, Location: Cuba, MO)
    Date Established: June 22, 1901
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10084
    FDIC's unique #: 7774
    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: January 01, 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: 408 W, Washington Street, Cuba, MO 65453
    County: Crawford
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $175.0 mil
    Equity capital: $19.4 mil
    Deposits held in domestic offices: $148.6 mil
    Return on assets (ROA): 1.90% ($3.3 mil)
    Quarterly return on assets: 1.69% ($3.0 mil)
    Return on Equity (ROE): 17.48% ($3.3 mil)
    Quarterly return on equity: 14.97% ($2.8 mil)
    Net income: $3.3 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.91% ($3,343.1 mil)
    Quarterly Pretax return on assets: 1.70% ($2,975.5 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
  • 56Total employees (full-time equivalent)
  • $175,031Total assets
  • $4,212Cash and due from depository institutions
  • $12Interest-bearing balances
  • $36,285Securities
  • $5,548Federal funds sold & reverse repurchase agreements
  • $123,038Net loans & leases
  • $1,511Loan loss allowance
  • $0Trading account assets
  • $3,687Bank premises and fixed assets
  • $57Other real estate owned
  • $0Goodwill and other intangibles
  • $175,031Life insurance assets
  • $2,204All other assets
  • $155,599Total liabilities and capital
  • $148,604Total liabilities
  • $131,769Total deposits
  • $148,604Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 1687.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $308Subordinated debt
  • $19,432All other liabilities
  • $19,432Total equity capital
  • $19,432Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $915Surplus
  • $18,017Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $125Income earned, not collected on loans
  • $0Earning assets
  • $802Long-term assets (5+ years)
  • $164,883Average Assets, year-to-date
  • $66,859Average Assets, quarterly
  • $171,633Volatile liabilities
  • $172,500Insider loans
  • $116,157FHLB advances
  • $172,865Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,192Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,653Restructured Loans and leases
  • $681Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,560Total interest income
  • $2,095Total interest expense
  • $7,465Net interest income
  • $86Provision for loan and lease losses
  • $1,285Total noninterest income
  • $0Fiduciary activities
  • $870Service charges on deposit accounts
  • $0Trading account gains & fees
  • $415Additional noninterest income
  • $5,390Total noninterest expense
  • $2,844Salaries and employee benefits
  • $1,077Premises and equipment expense
  • $1,469Additional noninterest expense
  • $3,274Pre-tax net operating income
  • $0Securities gains (losses)
  • $18Applicable income taxes
  • $3,256Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,256Net income attributable to bank
  • $0Net charge-offs
  • $3,256Cash dividends
  • $156Sale, conversion, retirement of capital stock, net
  • $2,700Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.89%Yield on earning assets
  • 1.29%Cost of funding earning assets
  • 4.60%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 1.90%Net operating income to assets
  • 1.90%Return on assets (ROA)
  • 1.91%Pretax return on assets
  • 17.48%Return on equity (ROE)
  • 2.98%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 55.13%Credit loss provision to net charge-offs
  • 21.54%Efficiency ratio
  • 61,600Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 82.92%Loss allowance to loans
  • 1.21%Loss allowance to noncurrent loans
  • 1208.80%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 82.80%Net loans and leases to core deposits
  • 90.69%Equity capital to assets
  • 11.10%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 14.80%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $171,633Average earning assets
  • $18,628Average equity
  • $162,239Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07774Peoples Bank408 W, Washington Street, Cuba, MO 65453June 22, 1901Full Service Brick and Mortar
    1226720Main Office - Franklin Street Branch701 N. Franklin Street, Cuba, MO 65453December 12, 1977Full Service Brick and Mortar
    2226721Bourbon Branch101 E. Pine Street, Bourbon, MO 65441March 11, 1986Full Service Brick and Mortar
    440438Steelville Branch201 West Main Street, Steelville, MO 65565October 16, 1989Full Service Brick and Mortar
    5465880Sullivan Office Branch112 S. Service Road, Sullivan, MO 63080July 23, 2007Full Service Brick and Mortar

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