Peoples Bank of Columbus Junction in Columbus Junction, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1997

  • Peoples Bank of Columbus Junction in Columbus Junction, Iowa (IA)
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Peoples Bank of Columbus Junction - Overview

  • General
  • FDIC Certificate #: 18727
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Community Bank (#23189)
    Federal Reserve ID: 210649
    Date Established: March 25, 1963
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 12595
    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: March 25, 1963
    Last Structure Change Effective Date: July 01, 1997
    Last Structure Change Process Date: July 22, 1997
    Last Data Update: July 22, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Columbus Junction, IA 52738
    County: Louisa
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Muscatine, IA (#34700)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $38.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $15Total assets
  • $39,352Cash and due from depository institutions
  • $1,690Interest-bearing balances
  • $0Securities
  • $20,143Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $16,594Loan loss allowance
  • $162Trading account assets
  • $0Bank premises and fixed assets
  • $375Other real estate owned
  • $0Goodwill and other intangibles
  • $550Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $39,352Total liabilities
  • $35,776Total deposits
  • $34,885Interest-bearing deposits
  • $29,963Deposits held in domestic offices
  • 34885.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $400Trading liabilities
  • $0Other borrowed funds
  • $108Subordinated debt
  • $0All other liabilities
  • $383Total equity capital
  • $383Total bank equity capital
  • $3,576Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $1,500Undivided profits
  • Memoranda
  • $1,576Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $42Income earned, not collected on loans
  • $329Earning assets
  • $36,737Long-term assets (5+ years)
  • $1,533Average Assets, year-to-date
  • $38,966Average Assets, quarterly
  • $39,461Volatile liabilities
  • $3,923Insider loans
  • $192FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,792Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,550Total risk weighted assets
  • $18,925Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,695Total interest expense
  • $1,412Net interest income
  • $1,283Provision for loan and lease losses
  • $0Total noninterest income
  • $138Fiduciary activities
  • $0Service charges on deposit accounts
  • $106Trading account gains & fees
  • $0Additional noninterest income
  • $32Total noninterest expense
  • $936Salaries and employee benefits
  • $538Premises and equipment expense
  • $133Additional noninterest expense
  • $265Pre-tax net operating income
  • $485Securities gains (losses)
  • $0Applicable income taxes
  • $159Income before extraordinary items
  • $326Extraordinary gains - net
  • $0Net income attributable to bank
  • $326Net charge-offs
  • $12Cash dividends
  • $150Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.32%Cost of funding earning assets
  • 3.83%Net interest margin
  • 3.48%Noninterest income to earning assets
  • 0.37%Noninterest expense to earning assets
  • 2.54%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 1.24%Return on equity (ROE)
  • 9.52%Retained earnings to average equity (YTD only)
  • 5.14%Net charge-offs to loans
  • 0.07%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,869Assets per employee
  • 2.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.01%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 385.71%Noncurrent assets plus other real estate owned to assets
  • 0.11%Noncurrent loans to loans
  • 0.25%Net loans and leases to deposits
  • 47.57%Net loans and leases to core deposits
  • 52.73%Equity capital to assets
  • 9.09%Core capital (leverage) ratio
  • 9.19%Tier 1 risk-based capital ratio
  • 18.76%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $38,966Average earning assets
  • $3,425Average equity
  • $36,833Average loans

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