Peoples Bank of Altenburg in Altenburg, Missouri (MO)

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Peoples Bank of Altenburg
GeneralFDIC Certificate #: 12226
Status: Active
Federal Reserve ID: 941541
Bank Holding Company (Regulatory Top Holder): Lincoln County Bancorp, Inc. (RSSDID: 1097173, Location: Troy, MO)
Date Established: January 01, 1910
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 15375
FDIC's unique #: 7771
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
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: 8537 Main St, Altenburg, MO 63732
County: Perry
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
History of ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $49.0 mil
Equity capital: $5.1 mil
Deposits held in domestic offices: $43.9 mil
Return on assets (ROA): 1.60% ($0.8 mil)
Quarterly return on assets: 1.94% ($1.0 mil)
Return on Equity (ROE): 16.51% ($0.8 mil)
Quarterly return on equity: 18.80% ($0.9 mil)
Net income: $0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 1.60% ($784.4 mil)
Quarterly Pretax return on assets: 1.94% ($951.1 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)14
Total assets$49,028
Cash and due from depository institutions$1,345
Interest-bearing balances$438
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$36,246
Loan loss allowance $786
Trading account assets$0
Bank premises and fixed assets$537
Other real estate owned$318
Goodwill and other intangibles$0
All other assets$773
Life insurance assets$49,028
Total liabilities and capital$43,929
Total liabilities$43,890
Total deposits$33,801
Interest-bearing deposits$43,890
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $39
All other liabilities $5,099
Total equity capital$5,099
Total bank equity capital$5,099
Perpetual preferred stock$0
Common stock$100
Undivided profits $4,824
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $857
Earning assets $0
Long-term assets (5+ years) $352
Average Assets, year-to-date $46,493
Average Assets, quarterly $9,938
Volatile liabilities $49,366
Insider loans $49,313
FHLB advances $35,533
Loans and leases held for sale $49,234
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,964
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,125
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,331
Total interest expense $265
Net interest income $2,066
Provision for loan and lease losses $104
Total noninterest income $160
Fiduciary activities $0
Service charges on deposit accounts $128
Trading account gains & fees $0
Additional noninterest income $32
Total noninterest expense $1,420
Salaries and employee benefits $679
Premises and equipment expense $175
Additional noninterest expense $566
Pre-tax net operating income $702
Securities gains (losses) $87
Applicable income taxes $0
Income before extraordinary items $789
Extraordinary gains - net $0
Net income attributable to bank $789
Net charge-offs $0
Cash dividends $789
Sale, conversion, retirement of capital stock, net $61
Net operating income $240
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.14%
Cost of funding earning assets 0.58%
Net interest margin 4.55%
Noninterest income to earning assets 0.35%
Noninterest expense to earning assets 3.13%
Net operating income to assets 1.42%
Return on assets (ROA) 1.60%
Pretax return on assets 1.60%
Return on equity (ROE) 16.51%
Retained earnings to average equity (YTD only) 11.49%
Net charge-offs to loans 0.17%
Credit loss provision to net charge-offs 170.49%
Efficiency ratio13.21%
Assets per employee$63,792
Cash dividends to net income (YTD only)3.50%
Condition Ratios (%)
Loss allowance to loans 30.42%
Loss allowance to noncurrent loans 2.12%
Noncurrent assets plus other real estate owned to assets 91.72%
Noncurrent loans to loans 2.40%
Net loans and leases to deposits2.31%
Net loans and leases to core deposits 82.58%
Equity capital to assets 83.64%
Core capital (leverage) ratio 10.40%
Tier 1 risk-based capital ratio 10.08%
Total risk-based capital ratio 13.97%
Average assets$15
Average earning assets$49,366
Average equity $4,779
Average loans $45,380
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2 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07771Peoples Bank Of Altenburg8537 Main St, Altenburg, MO 63732January 01, 1910Full Service Brick and Mortar
2226710North High Street Branch1503 North High Street, Jackson, MO 63755August 01, 1997Full Service Brick and Mortar
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