Peoples Bank & Trust in Pana, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank & Trust - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 64Total employees (full-time equivalent)
  • $297,452Total assets
  • $10,091Cash and due from depository institutions
  • $53Interest-bearing balances
  • $73,308Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $197,245Net loans & leases
  • $2,192Loan loss allowance
  • $0Trading account assets
  • $5,681Bank premises and fixed assets
  • $807Other real estate owned
  • $1,107Goodwill and other intangibles
  • $297,452Life insurance assets
  • $9,213All other assets
  • $268,137Total liabilities and capital
  • $246,831Total liabilities
  • $222,222Total deposits
  • $246,831Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 10919.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,900Trading liabilities
  • $0Other borrowed funds
  • $1,487Subordinated debt
  • $29,315All other liabilities
  • $29,315Total equity capital
  • $29,315Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $16,828Surplus
  • $11,887Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,147Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $952Income earned, not collected on loans
  • $212Earning assets
  • $3,092Long-term assets (5+ years)
  • $270,606Average Assets, year-to-date
  • $91,094Average Assets, quarterly
  • $280,877Volatile liabilities
  • $297,468Insider loans
  • $213,072FHLB advances
  • $287,988Loans and leases held for sale
  • $4,768Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,992Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,768Total unused commitments
  • $52,963Restructured Loans and leases
  • $5,880Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,111Total interest income
  • $2,235Total interest expense
  • $9,876Net interest income
  • $665Provision for loan and lease losses
  • $2,653Total noninterest income
  • $4Fiduciary activities
  • $1,183Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,466Additional noninterest income
  • $7,778Total noninterest expense
  • $3,869Salaries and employee benefits
  • $920Premises and equipment expense
  • $2,989Additional noninterest expense
  • $4,086Pre-tax net operating income
  • $161Securities gains (losses)
  • $33Applicable income taxes
  • $4,214Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,214Net income attributable to bank
  • $0Net charge-offs
  • $4,214Cash dividends
  • $575Sale, conversion, retirement of capital stock, net
  • $6,480Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.76%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 3.88%Net interest margin
  • 1.04%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 1.44%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 16.69%Return on equity (ROE)
  • -8.98%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 115.65%Credit loss provision to net charge-offs
  • 8.26%Efficiency ratio
  • 61,042Assets per employee
  • 4.65%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 153.77%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 230.25%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.48%Net loans and leases to deposits
  • 79.91%Net loans and leases to core deposits
  • 87.96%Equity capital to assets
  • 9.86%Core capital (leverage) ratio
  • 9.03%Tier 1 risk-based capital ratio
  • 12.20%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $280,877Average earning assets
  • $25,247Average equity
  • $254,474Average 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
  • $467Managed Assets
  • 1Number of Accounts
  • $467Personal trust and agency accounts
  • $419Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $48Non-managed Assets
  • 8Number 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

  • 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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