Peoples Bank & Trust Co. in Troy, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 107Total employees (full-time equivalent)
  • $408,616Total assets
  • $37,402Cash and due from depository institutions
  • $2,471Interest-bearing balances
  • $103,338Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $241,832Net loans & leases
  • $11,804Loan loss allowance
  • $0Trading account assets
  • $4,405Bank premises and fixed assets
  • $9,086Other real estate owned
  • $769Goodwill and other intangibles
  • $408,616Life insurance assets
  • $11,784All other assets
  • $380,296Total liabilities and capital
  • $366,600Total liabilities
  • $311,741Total deposits
  • $366,600Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 416.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,750Trading liabilities
  • $0Other borrowed funds
  • $530Subordinated debt
  • $28,320All other liabilities
  • $28,320Total equity capital
  • $28,320Total bank equity capital
  • $0Perpetual preferred stock
  • $308Common stock
  • $12,060Surplus
  • $15,952Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $90Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28,909Income earned, not collected on loans
  • $0Earning assets
  • $2,349Long-term assets (5+ years)
  • $347,641Average Assets, year-to-date
  • $56,127Average Assets, quarterly
  • $402,512Volatile liabilities
  • $400,678Insider loans
  • $292,020FHLB advances
  • $396,744Loans and leases held for sale
  • $4,845Unused loan commitments
  • $4,845Tier 1 (core) risk-based capital
  • $26,843Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,499Restructured Loans and leases
  • $3,549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,338Total interest income
  • $4,438Total interest expense
  • $12,900Net interest income
  • $7,744Provision for loan and lease losses
  • $2,706Total noninterest income
  • $5Fiduciary activities
  • $1,363Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,338Additional noninterest income
  • $10,670Total noninterest expense
  • $5,193Salaries and employee benefits
  • $1,008Premises and equipment expense
  • $4,469Additional noninterest expense
  • -$2,808Pre-tax net operating income
  • $499Securities gains (losses)
  • $0Applicable income taxes
  • -$2,309Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,309Net income attributable to bank
  • $0Net charge-offs
  • -$2,309Cash dividends
  • $5,434Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.80%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • -0.70%Net operating income to assets
  • -0.57%Return on assets (ROA)
  • -0.57%Pretax return on assets
  • -7.94%Return on equity (ROE)
  • -7.94%Retained earnings to average equity (YTD only)
  • 2.01%Net charge-offs to loans
  • 142.51%Credit loss provision to net charge-offs
  • 0.91%Efficiency ratio
  • 68,294Assets per employee
  • 3.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.65%Loss allowance to noncurrent loans
  • 40.83%Noncurrent assets plus other real estate owned to assets
  • 9.30%Noncurrent loans to loans
  • 11.40%Net loans and leases to deposits
  • 65.97%Net loans and leases to core deposits
  • 67.87%Equity capital to assets
  • 6.93%Core capital (leverage) ratio
  • 6.77%Tier 1 risk-based capital ratio
  • 9.19%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $402,512Average earning assets
  • $29,090Average equity
  • $360,874Average 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
  • $4,619Managed Assets
  • 1Number of Accounts
  • $4,571Personal trust and agency accounts
  • $4,571Employee 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
  • $0Non-managed Assets
  • 36Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $48Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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