Peoples Bank & Trust in Pana, Illinois (IL)

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Peoples Bank & Trust routing number info

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Peoples Bank & Trust
GeneralFDIC Certificate #: 17320
Status: Active
Federal Reserve ID: 922344
Bank Holding Company (Regulatory Top Holder): People First Bancshares, Inc. (RSSDID: 1209480, Location: Pana, IL)
Date Established: May 01, 1954
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 10767
FDIC's unique #: 11332
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: May 01, 1954
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: Third And Locust Streets, Pana, IL 62557
County: Christian
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Springfield Il
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): Taylorville, IL (#45380)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $297.5 mil
Equity capital: $29.3 mil
Deposits held in domestic offices: $246.8 mil
Return on assets (ROA): 1.50% ($4.5 mil)
Quarterly return on assets: 0.91% ($2.7 mil)
Return on Equity (ROE): 16.69% ($4.8 mil)
Quarterly return on equity: 9.29% ($2.7 mil)
Net income: $4.2 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.51% ($4,491.5 mil)
Quarterly Pretax return on assets: 0.92% ($2,736.6 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)64
Total assets$297,452
Cash and due from depository institutions$10,091
Interest-bearing balances$53
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$197,245
Loan loss allowance $2,192
Trading account assets$0
Bank premises and fixed assets$5,681
Other real estate owned$807
Goodwill and other intangibles$1,107
All other assets$9,213
Life insurance assets$297,452
Total liabilities and capital$268,137
Total liabilities$246,831
Total deposits$222,222
Interest-bearing deposits$246,831
Deposits held in domestic offices$85
% insured (estimated)10919.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$8,900
Other borrowed funds $0
Subordinated debt $1,487
All other liabilities $29,315
Total equity capital$29,315
Total bank equity capital$29,315
Perpetual preferred stock$0
Common stock$600
Undivided profits $11,887
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,147
Income earned, not collected on loans $952
Earning assets $212
Long-term assets (5+ years) $3,092
Average Assets, year-to-date $270,606
Average Assets, quarterly $91,094
Volatile liabilities $280,877
Insider loans $297,468
FHLB advances $213,072
Loans and leases held for sale $287,988
Unused loan commitments $4,768
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,992
Total risk weighted assets $0
Total unused commitments $4,768
Restructured Loans and leases $52,963
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,111
Total interest expense $2,235
Net interest income $9,876
Provision for loan and lease losses $665
Total noninterest income $2,653
Fiduciary activities $4
Service charges on deposit accounts $1,183
Trading account gains & fees $0
Additional noninterest income $1,466
Total noninterest expense $7,778
Salaries and employee benefits $3,869
Premises and equipment expense $920
Additional noninterest expense $2,989
Pre-tax net operating income $4,086
Securities gains (losses) $161
Applicable income taxes $33
Income before extraordinary items $4,214
Extraordinary gains - net $0
Net income attributable to bank $4,214
Net charge-offs $0
Cash dividends $4,214
Sale, conversion, retirement of capital stock, net $575
Net operating income $6,480
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.76%
Cost of funding earning assets 0.88%
Net interest margin 3.88%
Noninterest income to earning assets 1.04%
Noninterest expense to earning assets 3.06%
Net operating income to assets 1.44%
Return on assets (ROA) 1.50%
Pretax return on assets 1.51%
Return on equity (ROE) 16.69%
Retained earnings to average equity (YTD only) -8.98%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 115.65%
Efficiency ratio8.26%
Assets per employee$61,042
Cash dividends to net income (YTD only)4.65%
Condition Ratios (%)
Loss allowance to loans 153.77%
Loss allowance to noncurrent loans 1.10%
Noncurrent assets plus other real estate owned to assets 230.25%
Noncurrent loans to loans 0.59%
Net loans and leases to deposits0.48%
Net loans and leases to core deposits 79.91%
Equity capital to assets 87.96%
Core capital (leverage) ratio 9.86%
Tier 1 risk-based capital ratio 9.03%
Total risk-based capital ratio 12.20%
Average assets$13
Average earning assets$280,877
Average equity $25,247
Average loans $254,474
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$467
Number of Accounts1
Personal trust and agency accounts$467
Employee benefit-defined contribution accounts$419
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$48
Number of Accounts8
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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7 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
011332Peoples Bank & TrustThird And Locust Streets, Pana, IL 62557May 01, 1954Full Service Brick and Mortar
1241436Tower Hill BranchRoute 16 And Seneca Road, Tower Hill, IL 62571August 01, 1988Limited Service Facility
3278269Altamont Branch511 South Main Street, Altamont, IL 62411January 01, 1925Full Service Brick and Mortar
5241438South Poplar Street Branch211 South Poplar Street, Pana, IL 62557July 13, 1998Limited Service Facility
6357267Taylorville Branch1221 Springfield Road, Taylorville, IL 62568January 17, 2000Full Service Brick and Mortar
8446238Mansion Road Branch2840 Mansion Road, Springfield, IL 62707August 29, 2005Full Service Brick and Mortar
9510339Charleston Il Branch505 West Lincoln, Charleston, IL 61920June 25, 2010Full Service Brick and Mortar
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