Peoples Bank & Trust Co. in Troy, Missouri (MO)

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Peoples Bank & Trust Co. routing number info

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Peoples Bank & Trust Co.
GeneralFDIC Certificate #: 8903
Status: Active
Federal Reserve ID: 909055
Bank Holding Company (Regulatory Top Holder): Lincoln County Bancorp, Inc. (RSSDID: 1097173, Location: Troy, MO)
Date Established: March 10, 1924
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 7 (Domestic: 7, Interstate: No)
OTS Docket #: 14347
FDIC's unique #: 5692
Numeric code: 13
Regulator: FED
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: September 22, 2007
Last Structure Change Process Date: October 02, 2007
Last Data Update: October 02, 2007
Data Source Date: April 05, 2012
LocationAddress: 430 East Wood Street, Troy, MO 63379
County: Lincoln
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
Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
History of ChangesOffice Purchased
Financial SummaryTotal assets: $408.6 mil
Equity capital: $28.3 mil
Deposits held in domestic offices: $366.6 mil
Return on assets (ROA): -0.57% (-$2.3 mil)
Quarterly return on assets: 0.95% ($3.9 mil)
Return on Equity (ROE): -7.94% (-$2.2 mil)
Quarterly return on equity: 13.55% ($3.8 mil)
Net income: -$2.3 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: -0.57% (-$2,329.1 mil)
Quarterly Pretax return on assets: 0.95% ($3,881.9 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)
Total employees (full-time equivalent)107
Total assets$408,616
Cash and due from depository institutions$37,402
Interest-bearing balances$2,471
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$241,832
Loan loss allowance $11,804
Trading account assets$0
Bank premises and fixed assets$4,405
Other real estate owned$9,086
Goodwill and other intangibles$769
All other assets$11,784
Life insurance assets$408,616
Total liabilities and capital$380,296
Total liabilities$366,600
Total deposits$311,741
Interest-bearing deposits$366,600
Deposits held in domestic offices$82
% insured (estimated)416.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,750
Other borrowed funds $0
Subordinated debt $530
All other liabilities $28,320
Total equity capital$28,320
Total bank equity capital$28,320
Perpetual preferred stock$0
Common stock$308
Undivided profits $15,952
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $90
Income earned, not collected on loans $28,909
Earning assets $0
Long-term assets (5+ years) $2,349
Average Assets, year-to-date $347,641
Average Assets, quarterly $56,127
Volatile liabilities $402,512
Insider loans $400,678
FHLB advances $292,020
Loans and leases held for sale $396,744
Unused loan commitments $4,845
Tier 1 (core) risk-based capital $4,845
Tier 2 risk-based capital $26,843
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $29,499
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $17,338
Total interest expense $4,438
Net interest income $12,900
Provision for loan and lease losses $7,744
Total noninterest income $2,706
Fiduciary activities $5
Service charges on deposit accounts $1,363
Trading account gains & fees $0
Additional noninterest income $1,338
Total noninterest expense $10,670
Salaries and employee benefits $5,193
Premises and equipment expense $1,008
Additional noninterest expense $4,469
Pre-tax net operating income -$2,808
Securities gains (losses) $499
Applicable income taxes $0
Income before extraordinary items -$2,309
Extraordinary gains - net $0
Net income attributable to bank -$2,309
Net charge-offs $0
Cash dividends -$2,309
Sale, conversion, retirement of capital stock, net $5,434
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.80%
Cost of funding earning assets 1.23%
Net interest margin 3.57%
Noninterest income to earning assets 0.75%
Noninterest expense to earning assets 2.96%
Net operating income to assets -0.70%
Return on assets (ROA) -0.57%
Pretax return on assets -0.57%
Return on equity (ROE) -7.94%
Retained earnings to average equity (YTD only) -7.94%
Net charge-offs to loans 2.01%
Credit loss provision to net charge-offs 142.51%
Efficiency ratio0.91%
Assets per employee$68,294
Cash dividends to net income (YTD only)3.82%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.65%
Noncurrent assets plus other real estate owned to assets 40.83%
Noncurrent loans to loans 9.30%
Net loans and leases to deposits11.40%
Net loans and leases to core deposits 65.97%
Equity capital to assets 67.87%
Core capital (leverage) ratio 6.93%
Tier 1 risk-based capital ratio 6.77%
Total risk-based capital ratio 9.19%
Average assets$10
Average earning assets$402,512
Average equity $29,090
Average loans $360,874
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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$4,619
Number of Accounts1
Personal trust and agency accounts$4,571
Employee benefit-defined contribution accounts$4,571
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$0
Number of Accounts36
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$48
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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7 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05692Peoples Bank & Trust Co.430 East Wood Street, Troy, MO 63379March 10, 1924Full Service Brick and Mortar
1219146Hawk Point Branch65 S Hwy 47, Hawk Point, MO 63349December 18, 1978Full Service Brick and Mortar
3219147Drive-In Facility#9 Troy Square, Troy, MO 63379August 28, 1990Limited Service Facility
4219148North Main Street Branch1310 North Main Street, O'fallon, MO 63366October 01, 1996Full Service Brick and Mortar
5218241Winfield Branch103 Pine Street, Winfield, MO 63389November 21, 1998Full Service Brick and Mortar
6438905Elsberry Branch105 South Main Street, Elsberry, MO 63343March 01, 2005Full Service Brick and Mortar
7281085Bowling Green Branch106 N Business Hwy 61, Bowling Green, MO 63334January 01, 1886Full Service Brick and Mortar
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