Peoples Bank SB in Munster, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank SB - Overview

  • General
  • FDIC Certificate #: 29523
    Status: Active
    Federal Reserve ID: 568470
    Bank Holding Company (Regulatory Top Holder): Northwest Indiana Bancorp (RSSDID: 2237118, Location: Munster, IN)
    Date Established: January 01, 1916
    Trust Powers Granted: Yes
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 3589
    FDIC's unique #: 42357
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Commercial Lending Specialization
    Date of Deposit Insurance: January 22, 1936
    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: 9204 Columbia Avenue, Munster, IN 46321
    County: Lake
    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): Gary, IN (#2960)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Gary, IN (#23844)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $652.4 mil
    Equity capital: $62.6 mil
    Deposits held in domestic offices: $528.1 mil
    Return on assets (ROA): 0.86% ($5.6 mil)
    Quarterly return on assets: 0.87% ($5.7 mil)
    Return on Equity (ROE): 9.33% ($5.9 mil)
    Quarterly return on equity: 9.18% ($5.8 mil)
    Net income: $5.5 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 1.05% ($6,850.5 mil)
    Quarterly Pretax return on assets: 1.11% ($7,241.9 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
  • 186Total employees (full-time equivalent)
  • $652,424Total assets
  • $20,551Cash and due from depository institutions
  • $10,676Interest-bearing balances
  • $186,962Securities
  • $5,816Federal funds sold & reverse repurchase agreements
  • $393,396Net loans & leases
  • $8,005Loan loss allowance
  • $0Trading account assets
  • $18,178Bank premises and fixed assets
  • $2,457Other real estate owned
  • $310Goodwill and other intangibles
  • $652,424Life insurance assets
  • $24,754All other assets
  • $589,726Total liabilities and capital
  • $528,073Total liabilities
  • $472,915Total deposits
  • $528,073Interest-bearing deposits
  • $75Deposits held in domestic offices
  • 15395.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $36,618Trading liabilities
  • $0Other borrowed funds
  • $9,640Subordinated debt
  • $62,698All other liabilities
  • $62,603Total equity capital
  • $62,603Total bank equity capital
  • $0Perpetual preferred stock
  • $344Common stock
  • $2,907Surplus
  • $59,352Undivided profits
  • Memoranda
  • $95Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $14,290Income earned, not collected on loans
  • $0Earning assets
  • $2,555Long-term assets (5+ years)
  • $596,850Average Assets, year-to-date
  • $228,237Average Assets, quarterly
  • $643,942Volatile liabilities
  • $652,497Insider loans
  • $452,987FHLB advances
  • $646,591Loans and leases held for sale
  • $12,850Unused loan commitments
  • $12,850Tier 1 (core) risk-based capital
  • $58,872Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $77,856Restructured Loans and leases
  • $6,576Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $26,986Total interest income
  • $3,231Total interest expense
  • $23,755Net interest income
  • $3,510Provision for loan and lease losses
  • $5,353Total noninterest income
  • $1,182Fiduciary activities
  • $1,604Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,567Additional noninterest income
  • $19,795Total noninterest expense
  • $9,953Salaries and employee benefits
  • $3,333Premises and equipment expense
  • $6,509Additional noninterest expense
  • $5,803Pre-tax net operating income
  • $965Securities gains (losses)
  • $1,248Applicable income taxes
  • $5,520Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,520Net income attributable to bank
  • $0Net charge-offs
  • $5,520Cash dividends
  • $4,626Sale, conversion, retirement of capital stock, net
  • $1,699Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.60%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 4.05%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.05%Pretax return on assets
  • 9.33%Return on equity (ROE)
  • 6.46%Retained earnings to average equity (YTD only)
  • 1.13%Net charge-offs to loans
  • 75.88%Credit loss provision to net charge-offs
  • 2.01%Efficiency ratio
  • 68,005Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.78%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 56.02%Noncurrent assets plus other real estate owned to assets
  • 2.69%Noncurrent loans to loans
  • 3.56%Net loans and leases to deposits
  • 74.50%Net loans and leases to core deposits
  • 77.60%Equity capital to assets
  • 9.60%Core capital (leverage) ratio
  • 9.10%Tier 1 risk-based capital ratio
  • 13.00%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $643,942Average earning assets
  • $59,172Average equity
  • $587,229Average 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
  • $244,469Managed Assets
  • 1Number of Accounts
  • $96,359Personal trust and agency accounts
  • $79,323Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $8,119Corporate trust and agency accounts
  • $690Investment management agency accounts
  • $8,227Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1297Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $148,110Other retirement accounts
  • $69,005Corporate trust and agency accounts
  • $4,231Other fiduciary accounts
  • $57,852Fiduciary accounts held in foreign offices

List of branches

  • 12 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042357Peoples Bank Sb9204 Columbia Avenue, Munster, IN 46321January 01, 1916Full Service Brick and Mortar
    12753387120 Indianapolis Blvd Branch7120 Indianapolis Boulevard, Hammond, IN 46324December 16, 1985Full Service Brick and Mortar
    22753397915 Taft St. Branch7915 Taft Street, Merrillville, IN 46410September 03, 1968Full Service Brick and Mortar
    32753401300 Sheffield Ave Branch1300 Sheffield Avenue, Dyer, IN 46311June 01, 1976Full Service Brick and Mortar
    42753414901 Indianapolis Blvd. Branch4901 Indianapolis Boulevard, East Chicago, IN 46312June 18, 1979Full Service Brick and Mortar
    103275342Schererville141 W. Lincoln Highway, Schererville, IN 46375Febuary 05, 1990Full Service Brick and Mortar
    104275343Merrillville East8600 Broadway Avenue, Merrillville, IN 46410September 27, 1996Full Service Brick and Mortar
    1053612071501 Lake Park Avenue Branch1501 Lake Park Avenue, Hobart, IN 46342November 10, 2000Full Service Brick and Mortar
    106477935Crown Point Branch855 Stillwater Parkway, Crown Point, IN 46307December 17, 2007Full Service Brick and Mortar
    107493142Gary - 25th Avenue Branch1801 W. 25th Avenue, Gary, IN 46404June 30, 2009Full Service Brick and Mortar
    108493143Valpo - Calumet Avenue Branch2905 Calumet Avenue, Valparaiso, IN 46383June 30, 2009Full Service Brick and Mortar
    109513847Saint John In Branch9903 Wicker Avenue, Saint John, IN 46373November 04, 2010Full Service Brick and Mortar

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