Peoples Bank of Kankakee County in Bourbonnais, Illinois (IL)



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Peoples Bank of Kankakee County routing number info

Table of contents:
Peoples Bank of Kankakee County
GeneralFDIC 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
WWW: http://www.peoplesbankdirect.com
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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)42
Total assets$187,919
Cash and due from depository institutions$13,620
Interest-bearing balances$11,168
Securities$45,884
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$118,284
Loan loss allowance $2,379
Trading account assets$0
Bank premises and fixed assets$3,348
Other real estate owned$1,398
Goodwill and other intangibles$1,055
All other assets$4,330
Life insurance assets$187,919
Total liabilities and capital$171,673
Total liabilities$159,839
Total deposits$141,801
Interest-bearing deposits$159,839
Deposits held in domestic offices$94
% insured (estimated)11572.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $262
All other liabilities $16,246
Total equity capital$16,246
Total bank equity capital$16,246
Perpetual preferred stock$0
Common stock$617
Surplus$5,383
Undivided profits $10,246
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $468
Income earned, not collected on loans $6,213
Earning assets $0
Long-term assets (5+ years) $604
Average Assets, year-to-date $175,336
Average Assets, quarterly $31,474
Volatile liabilities $190,832
Insider loans $187,084
FHLB advances $115,319
Loans and leases held for sale $189,039
Unused loan commitments $2,543
Tier 1 (core) risk-based capital $2,543
Tier 2 risk-based capital $15,170
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $19,987
Derivatives$627
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,816
Total interest expense $1,489
Net interest income $6,327
Provision for loan and lease losses $1,822
Total noninterest income $1,240
Fiduciary activities $0
Service charges on deposit accounts $316
Trading account gains & fees $0
Additional noninterest income $924
Total noninterest expense $4,819
Salaries and employee benefits $2,311
Premises and equipment expense $979
Additional noninterest expense $1,529
Pre-tax net operating income $926
Securities gains (losses) $335
Applicable income taxes $0
Income before extraordinary items $1,261
Extraordinary gains - net $0
Net income attributable to bank $1,261
Net charge-offs $0
Cash dividends $1,261
Sale, conversion, retirement of capital stock, net $1,216
Net operating income $469
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.38%
Cost of funding earning assets 0.83%
Net interest margin 3.54%
Noninterest income to earning assets 0.69%
Noninterest expense to earning assets 2.70%
Net operating income to assets 0.49%
Return on assets (ROA) 0.66%
Pretax return on assets 0.66%
Return on equity (ROE) 7.99%
Retained earnings to average equity (YTD only) 5.02%
Net charge-offs to loans 0.95%
Credit loss provision to net charge-offs 149.84%
Efficiency ratio2.26%
Assets per employee$63,684
Cash dividends to net income (YTD only)4.47%
Condition Ratios (%)
Loss allowance to loans 37.19%
Loss allowance to noncurrent loans 1.97%
Noncurrent assets plus other real estate owned to assets 38.29%
Noncurrent loans to loans 4.05%
Net loans and leases to deposits5.15%
Net loans and leases to core deposits 74.00%
Equity capital to assets 79.70%
Core capital (leverage) ratio 8.65%
Tier 1 risk-based capital ratio 8.02%
Total risk-based capital ratio 13.15%
Memoranda
Average assets$14
Average earning assets$190,832
Average equity $15,787
Average loans $178,627
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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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