Peoples Bank of Kankakee County in Bourbonnais, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of Kankakee County - Overview

  • General
  • FDIC Certificate #: 18566
    Status: Active
    Federal Reserve ID: 821036
    Bank Holding Company (Regulatory Top Holder): Romy Hammes, Inc. (RSSDID: 1201813, Location: South Bend, IN)
    Date Established: June 20, 1962
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11022
    FDIC's unique #: 12454
    Numeric code: 21
    Regulator: FDIC
    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: June 29, 1962
    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
  • Location
  • Address: 315 Main Street, N.W., Bourbonnais, IL 60914
    County: Kankakee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Kankakee, IL (#3740)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Kankakee-Bradley, IL (#28100)
    CBSA Metro Statistical Area: Kankakee-Bradley, IL (#28100)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $187.9 mil
    Equity capital: $16.2 mil
    Deposits held in domestic offices: $159.8 mil
    Return on assets (ROA): 0.66% ($1.2 mil)
    Quarterly return on assets: 1.16% ($2.2 mil)
    Return on Equity (ROE): 7.99% ($1.3 mil)
    Quarterly return on equity: 13.55% ($2.2 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.66% ($1,240.3 mil)
    Quarterly Pretax return on assets: 1.16% ($2,179.9 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
  • 42Total employees (full-time equivalent)
  • $187,919Total assets
  • $13,620Cash and due from depository institutions
  • $11,168Interest-bearing balances
  • $45,884Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $118,284Net loans & leases
  • $2,379Loan loss allowance
  • $0Trading account assets
  • $3,348Bank premises and fixed assets
  • $1,398Other real estate owned
  • $1,055Goodwill and other intangibles
  • $187,919Life insurance assets
  • $4,330All other assets
  • $171,673Total liabilities and capital
  • $159,839Total liabilities
  • $141,801Total deposits
  • $159,839Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 11572.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $262Subordinated debt
  • $16,246All other liabilities
  • $16,246Total equity capital
  • $16,246Total bank equity capital
  • $0Perpetual preferred stock
  • $617Common stock
  • $5,383Surplus
  • $10,246Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $468Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,213Income earned, not collected on loans
  • $0Earning assets
  • $604Long-term assets (5+ years)
  • $175,336Average Assets, year-to-date
  • $31,474Average Assets, quarterly
  • $190,832Volatile liabilities
  • $187,084Insider loans
  • $115,319FHLB advances
  • $189,039Loans and leases held for sale
  • $2,543Unused loan commitments
  • $2,543Tier 1 (core) risk-based capital
  • $15,170Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,987Restructured Loans and leases
  • $627Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,816Total interest income
  • $1,489Total interest expense
  • $6,327Net interest income
  • $1,822Provision for loan and lease losses
  • $1,240Total noninterest income
  • $0Fiduciary activities
  • $316Service charges on deposit accounts
  • $0Trading account gains & fees
  • $924Additional noninterest income
  • $4,819Total noninterest expense
  • $2,311Salaries and employee benefits
  • $979Premises and equipment expense
  • $1,529Additional noninterest expense
  • $926Pre-tax net operating income
  • $335Securities gains (losses)
  • $0Applicable income taxes
  • $1,261Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,261Net income attributable to bank
  • $0Net charge-offs
  • $1,261Cash dividends
  • $1,216Sale, conversion, retirement of capital stock, net
  • $469Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 7.99%Return on equity (ROE)
  • 5.02%Retained earnings to average equity (YTD only)
  • 0.95%Net charge-offs to loans
  • 149.84%Credit loss provision to net charge-offs
  • 2.26%Efficiency ratio
  • 63,684Assets per employee
  • 4.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.19%Loss allowance to loans
  • 1.97%Loss allowance to noncurrent loans
  • 38.29%Noncurrent assets plus other real estate owned to assets
  • 4.05%Noncurrent loans to loans
  • 5.15%Net loans and leases to deposits
  • 74.00%Net loans and leases to core deposits
  • 79.70%Equity capital to assets
  • 8.65%Core capital (leverage) ratio
  • 8.02%Tier 1 risk-based capital ratio
  • 13.15%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $190,832Average earning assets
  • $15,787Average equity
  • $178,627Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012454Peoples Bank Of Kankakee County315 Main Street, N.W., Bourbonnais, IL 60914June 20, 1962Full Service Brick and Mortar
    5433913Kankakee Branch333 East Court Street, Kankakee, IL 60901January 18, 2005Full Service Brick and Mortar

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