Peoples Bank of Macon in Macon, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank of Macon - Overview

  • General
  • FDIC Certificate #: 19105
    Status: Active
    Federal Reserve ID: 418436
    Date Established: May 11, 1964
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 12937
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: May 11, 1964
    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: 191 North Front Street, Macon, IL 62544
    County: Macon
    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): Decatur, IL (#2040)
    Core Based Statistical Area (CBSA): Decatur, IL (#19500)
    CBSA Metro Statistical Area: Decatur, IL (#19500)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $18.8 mil
    Equity capital: $2.8 mil
    Deposits held in domestic offices: $15.5 mil
    Return on assets (ROA): 0.59% ($0.1 mil)
    Quarterly return on assets: 0.58% ($0.1 mil)
    Return on Equity (ROE): 3.87% ($0.1 mil)
    Quarterly return on equity: 4.00% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.72% ($135.4 mil)
    Quarterly Pretax return on assets: 0.75% ($141.0 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
  • 6Total employees (full-time equivalent)
  • $18,805Total assets
  • $3,128Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,991Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $7,375Net loans & leases
  • $81Loan loss allowance
  • $0Trading account assets
  • $149Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,804Life insurance assets
  • $162All other assets
  • $16,038Total liabilities and capital
  • $15,473Total liabilities
  • $12,915Total deposits
  • $15,473Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 444.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $121Subordinated debt
  • $2,766All other liabilities
  • $2,766Total equity capital
  • $2,766Total bank equity capital
  • $0Perpetual preferred stock
  • $120Common stock
  • $600Surplus
  • $2,046Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $56Long-term assets (5+ years)
  • $15,366Average Assets, year-to-date
  • $5,377Average Assets, quarterly
  • $18,295Volatile liabilities
  • $19,229Insider loans
  • $7,988FHLB advances
  • $19,640Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,766Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $671Restructured Loans and leases
  • $240Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $682Total interest income
  • $85Total interest expense
  • $597Net interest income
  • $0Provision for loan and lease losses
  • $49Total noninterest income
  • $0Fiduciary activities
  • $22Service charges on deposit accounts
  • $0Trading account gains & fees
  • $27Additional noninterest income
  • $514Total noninterest expense
  • $331Salaries and employee benefits
  • $66Premises and equipment expense
  • $117Additional noninterest expense
  • $132Pre-tax net operating income
  • $0Securities gains (losses)
  • $24Applicable income taxes
  • $108Income before extraordinary items
  • $0Extraordinary gains - net
  • $108Net income attributable to bank
  • $0Net charge-offs
  • $108Cash dividends
  • $2Sale, conversion, retirement of capital stock, net
  • $96Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 3.84%Net interest margin
  • 0.32%Noninterest income to earning assets
  • 3.31%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 3.87%Return on equity (ROE)
  • 0.43%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 66.00%Efficiency ratio
  • 79,567Assets per employee
  • 3.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 88.89%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 47.66%Net loans and leases to core deposits
  • 48.61%Equity capital to assets
  • 14.71%Core capital (leverage) ratio
  • 14.08%Tier 1 risk-based capital ratio
  • 34.63%Total risk-based capital ratio
  • Memoranda
  • $36Average assets
  • $18,295Average earning assets
  • $2,789Average equity
  • $15,538Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012937Peoples Bank Of Macon191 North Front Street, Macon, IL 62544May 11, 1964Full Service Brick and Mortar

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