Peoples Community Bank in Greenville, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 46Total employees (full-time equivalent)
  • $136,459Total assets
  • $8,159Cash and due from depository institutions
  • $5,027Interest-bearing balances
  • $24,224Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $97,230Net loans & leases
  • $1,285Loan loss allowance
  • $0Trading account assets
  • $1,992Bank premises and fixed assets
  • $726Other real estate owned
  • $982Goodwill and other intangibles
  • $136,459Life insurance assets
  • $3,146All other assets
  • $114,931Total liabilities and capital
  • $112,622Total liabilities
  • $101,576Total deposits
  • $112,622Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $309Subordinated debt
  • $21,528All other liabilities
  • $21,528Total equity capital
  • $21,528Total bank equity capital
  • $0Perpetual preferred stock
  • $225Common stock
  • $325Surplus
  • $20,978Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $497Income earned, not collected on loans
  • $0Earning assets
  • $687Long-term assets (5+ years)
  • $126,481Average Assets, year-to-date
  • $87,761Average Assets, quarterly
  • $123,039Volatile liabilities
  • $133,825Insider loans
  • $102,735FHLB advances
  • $133,861Loans and leases held for sale
  • $2,083Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,807Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,083Total unused commitments
  • $5,398Restructured Loans and leases
  • $2,010Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,640Total interest income
  • $980Total interest expense
  • $6,660Net interest income
  • $143Provision for loan and lease losses
  • $1,690Total noninterest income
  • $0Fiduciary activities
  • $1,121Service charges on deposit accounts
  • $0Trading account gains & fees
  • $569Additional noninterest income
  • $3,738Total noninterest expense
  • $1,653Salaries and employee benefits
  • $630Premises and equipment expense
  • $1,455Additional noninterest expense
  • $4,469Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $4,469Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,469Net income attributable to bank
  • $0Net charge-offs
  • $4,469Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $1,500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.73%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 5.87%Net interest margin
  • 1.49%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 3.63%Net operating income to assets
  • 3.63%Return on assets (ROA)
  • 3.63%Pretax return on assets
  • 22.95%Return on equity (ROE)
  • 15.25%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 172.29%Credit loss provision to net charge-offs
  • 55.57%Efficiency ratio
  • 44,299Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.56%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 258.55%Noncurrent assets plus other real estate owned to assets
  • 0.90%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 86.33%Net loans and leases to core deposits
  • 93.06%Equity capital to assets
  • 15.78%Core capital (leverage) ratio
  • 14.80%Tier 1 risk-based capital ratio
  • 19.28%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $123,039Average earning assets
  • $19,471Average equity
  • $113,510Average loans

List of branches

  • 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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