Peoples Bank & Trust Company in Indianapolis, Indiana (IN)



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Peoples Bank & Trust Company
GeneralFDIC Certificate #: 13094
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: FIFTH THIRD BANK, INDIANA (#12843)
Federal Reserve ID: 102744
Date Established: January 01, 1891
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Interstate: No)
OTS Docket #: 11754
FDIC's unique #: 8281
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 20, 1999
Last Structure Change Process Date: December 15, 1999
Last Data Update: December 15, 1999
Data Source Date: April 05, 2012
LocationAddress: 130 East Market Street, Indianapolis, IN 46204
County: Marion
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): Indianapolis, IN (#3480)
Combined Statistical Area (CSA): Indianapolis-Anderson-Columbus, IN (#294)
Core Based Statistical Area (CBSA): Indianapolis-Carmel, IN (#26900)
CBSA Metro Statistical Area: Indianapolis-Carmel, IN (#26900)
Financial SummaryTotal assets: $657.0 mil

1992 - 1999 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, 1998)
(Dollar figures in thousands)
Total employees (full-time equivalent)210
Total assets$631,367
Cash and due from depository institutions$30,328
Interest-bearing balances$0
Securities$130,592
Federal funds sold & reverse repurchase agreements$4,800
Net loans & leases$446,728
Loan loss allowance $7,684
Trading account assets$0
Bank premises and fixed assets$7,698
Other real estate owned$0
Goodwill and other intangibles$508
All other assets$10,713
Life insurance assets$0
Total liabilities and capital$631,367
Total liabilities$583,497
Total deposits$553,095
Interest-bearing deposits$454,240
Deposits held in domestic offices$553,095
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $14,526
Trading liabilities$0
Other borrowed funds $8,391
Subordinated debt $0
All other liabilities $7,485
Total equity capital$47,870
Total bank equity capital$47,870
Perpetual preferred stock$47,870
Common stock$0
Surplus$3,500
Undivided profits $13,000
Memoranda
Noncurrent loans and leases $31,370
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $461
Long-term assets (5+ years) $0
Average Assets, year-to-date $2,794
Average Assets, quarterly $582,120
Volatile liabilities $81,346
Insider loans $621,866
FHLB advances $630,376
Loans and leases held for sale $72,905
Unused loan commitments $4,538
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $2,346
Total unused commitments $130,231
Restructured Loans and leases $0
Derivatives$480,068
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Income and Expense (December 31, 1998)
(Dollar figures in thousands)
Total interest income $47,611
Total interest expense $22,735
Net interest income $24,876
Provision for loan and lease losses $3,500
Total noninterest income $7,403
Fiduciary activities $1,867
Service charges on deposit accounts $2,893
Trading account gains & fees $0
Additional noninterest income $2,643
Total noninterest expense $19,602
Salaries and employee benefits $11,024
Premises and equipment expense $3,231
Additional noninterest expense $5,347
Pre-tax net operating income $9,177
Securities gains (losses) $47
Applicable income taxes $2,955
Income before extraordinary items $6,269
Extraordinary gains - net $0
Net income attributable to bank $6,269
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $1,332
Net operating income $1,620
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Performance and Condition Ratios (December 31, 1998)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.22%
Cost of funding earning assets 3.92%
Net interest margin 4.29%
Noninterest income to earning assets 1.28%
Noninterest expense to earning assets 3.38%
Net operating income to assets 1.00%
Return on assets (ROA) 1.01%
Pretax return on assets 1.48%
Return on equity (ROE) 14.00%
Retained earnings to average equity (YTD only) 10.38%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 262.76%
Efficiency ratio9.52%
Assets per employee$60,485
Cash dividends to net income (YTD only)3.01%
Condition Ratios (%)
Loss allowance to loans 25.84%
Loss allowance to noncurrent loans 1.69%
Noncurrent assets plus other real estate owned to assets 1666.81%
Noncurrent loans to loans 0.07%
Net loans and leases to deposits0.10%
Net loans and leases to core deposits 80.77%
Equity capital to assets 89.87%
Core capital (leverage) ratio 7.58%
Tier 1 risk-based capital ratio 7.40%
Total risk-based capital ratio 9.81%
Memoranda
Average assets$11
Average earning assets$621,866
Average equity $44,775
Average loans $579,513
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