Peoples Community Bank in Greenville, Missouri (MO)

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Peoples Community Bank
GeneralFDIC Certificate #: 22394
Status: Active
Federal Reserve ID: 784159
Bank Holding Company (Regulatory Top Holder): Greenville Bancshares, Inc. (RSSDID: 1119431, Location: Piedmont, MO)
Date Established: January 03, 1977
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 15595
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: January 03, 1977
Last Structure Change Effective Date: January 14, 2011
Last Structure Change Process Date: Febuary 17, 2011
Last Data Update: Febuary 17, 2011
Data Source Date: April 05, 2012
LocationAddress: St Hwy 67 & Sycamore St, Greenville, MO 63944
County: Wayne
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 ChangesOffice Purchased
Financial SummaryTotal assets: $136.5 mil
Equity capital: $21.5 mil
Deposits held in domestic offices: $112.6 mil
Return on assets (ROA): 3.63% ($4.9 mil)
Quarterly return on assets: 3.11% ($4.2 mil)
Return on Equity (ROE): 22.95% ($5.0 mil)
Quarterly return on equity: 19.83% ($4.4 mil)
Net income: $4.5 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 3.63% ($4,953.5 mil)
Quarterly Pretax return on assets: 3.11% ($4,243.9 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)46
Total assets$136,459
Cash and due from depository institutions$8,159
Interest-bearing balances$5,027
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$97,230
Loan loss allowance $1,285
Trading account assets$0
Bank premises and fixed assets$1,992
Other real estate owned$726
Goodwill and other intangibles$982
All other assets$3,146
Life insurance assets$136,459
Total liabilities and capital$114,931
Total liabilities$112,622
Total deposits$101,576
Interest-bearing deposits$112,622
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $309
All other liabilities $21,528
Total equity capital$21,528
Total bank equity capital$21,528
Perpetual preferred stock$0
Common stock$225
Undivided profits $20,978
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 $497
Earning assets $0
Long-term assets (5+ years) $687
Average Assets, year-to-date $126,481
Average Assets, quarterly $87,761
Volatile liabilities $123,039
Insider loans $133,825
FHLB advances $102,735
Loans and leases held for sale $133,861
Unused loan commitments $2,083
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $19,807
Total risk weighted assets $0
Total unused commitments $2,083
Restructured Loans and leases $5,398
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,640
Total interest expense $980
Net interest income $6,660
Provision for loan and lease losses $143
Total noninterest income $1,690
Fiduciary activities $0
Service charges on deposit accounts $1,121
Trading account gains & fees $0
Additional noninterest income $569
Total noninterest expense $3,738
Salaries and employee benefits $1,653
Premises and equipment expense $630
Additional noninterest expense $1,455
Pre-tax net operating income $4,469
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $4,469
Extraordinary gains - net $0
Net income attributable to bank $4,469
Net charge-offs $0
Cash dividends $4,469
Sale, conversion, retirement of capital stock, net $83
Net operating income $1,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.73%
Cost of funding earning assets 0.86%
Net interest margin 5.87%
Noninterest income to earning assets 1.49%
Noninterest expense to earning assets 3.29%
Net operating income to assets 3.63%
Return on assets (ROA) 3.63%
Pretax return on assets 3.63%
Return on equity (ROE) 22.95%
Retained earnings to average equity (YTD only) 15.25%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 172.29%
Efficiency ratio55.57%
Assets per employee$44,299
Cash dividends to net income (YTD only)2.97%
Condition Ratios (%)
Loss allowance to loans 33.56%
Loss allowance to noncurrent loans 1.30%
Noncurrent assets plus other real estate owned to assets 258.55%
Noncurrent loans to loans 0.90%
Net loans and leases to deposits0.50%
Net loans and leases to core deposits 86.33%
Equity capital to assets 93.06%
Core capital (leverage) ratio 15.78%
Tier 1 risk-based capital ratio 14.80%
Total risk-based capital ratio 19.28%
Average assets$20
Average earning assets$123,039
Average equity $19,471
Average loans $113,510
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7 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
015595Peoples Community BankSt Hwy 67 & Sycamore St, Greenville, MO 63944January 03, 1977Full Service Brick and Mortar
1254502Wappapello FacilityHighway D And T, Wappapello, MO 63966November 01, 1980Full Service Brick and Mortar
2254503Piedmont Facility1401 No Main, Piedmont, MO 63957April 22, 1991Full Service Brick and Mortar
3254504East Richardson Branch422 South Highway 51, Puxico, MO 63960December 09, 1996Full Service Brick and Mortar
4356951Marble Hill Branch101 State Highway 34 East, Marble Hill, MO 63764June 15, 2000Full Service Brick and Mortar
5245168Washburn Branch803 Pineville Rd, Washburn, MO 65772June 01, 1989Full Service Brick and Mortar
6245169Seligman Branch33710 State Highway 112, Seligman, MO 65745March 15, 1994Full Service Brick and Mortar
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