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

Peoples Community State Bank - Overview

  • General
  • FDIC Certificate #: 23115
    Status: Active
    Federal Reserve ID: 896258
    Bank Holding Company (Regulatory Top Holder): Ripley County Bancshares, Inc (RSSDID: 2766654, Location: Piedmont, MO)
    Date Established: May 01, 1980
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 16191
    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: May 01, 1980
    Last Structure Change Effective Date: September 08, 2006
    Last Structure Change Process Date: September 07, 2007
    Last Data Update: September 07, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: Highways 142 And 160, Doniphan, MO 63935
    County: Ripley
    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: $126.9 mil
    Equity capital: $20.0 mil
    Deposits held in domestic offices: $101.7 mil
    Return on assets (ROA): 2.63% ($3.3 mil)
    Quarterly return on assets: 1.09% ($1.4 mil)
    Return on Equity (ROE): 17.76% ($3.6 mil)
    Quarterly return on equity: 7.09% ($1.4 mil)
    Net income: $3.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 2.63% ($3,338.5 mil)
    Quarterly Pretax return on assets: 1.09% ($1,383.6 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
  • 45Total employees (full-time equivalent)
  • $126,938Total assets
  • $7,923Cash and due from depository institutions
  • $5,736Interest-bearing balances
  • $18,705Securities
  • $3,201Federal funds sold & reverse repurchase agreements
  • $90,177Net loans & leases
  • $1,468Loan loss allowance
  • $0Trading account assets
  • $1,983Bank premises and fixed assets
  • $473Other real estate owned
  • $940Goodwill and other intangibles
  • $126,938Life insurance assets
  • $3,536All other assets
  • $106,962Total liabilities and capital
  • $101,725Total liabilities
  • $91,676Total deposits
  • $101,725Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $237Subordinated debt
  • $19,976All other liabilities
  • $19,976Total equity capital
  • $19,976Total bank equity capital
  • $0Perpetual preferred stock
  • $420Common stock
  • $939Surplus
  • $18,617Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,338Income earned, not collected on loans
  • $0Earning assets
  • $741Long-term assets (5+ years)
  • $117,819Average Assets, year-to-date
  • $77,241Average Assets, quarterly
  • $128,971Volatile liabilities
  • $129,167Insider loans
  • $88,236FHLB advances
  • $130,060Loans and leases held for sale
  • $2,080Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,961Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,080Total unused commitments
  • $6,513Restructured Loans and leases
  • $1,639Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,182Total interest income
  • $1,072Total interest expense
  • $6,110Net interest income
  • $846Provision for loan and lease losses
  • $1,494Total noninterest income
  • $0Fiduciary activities
  • $998Service charges on deposit accounts
  • $0Trading account gains & fees
  • $496Additional noninterest income
  • $3,362Total noninterest expense
  • $1,522Salaries and employee benefits
  • $454Premises and equipment expense
  • $1,386Additional noninterest expense
  • $3,396Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • $3,394Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,394Net income attributable to bank
  • $0Net charge-offs
  • $3,394Cash dividends
  • $972Sale, conversion, retirement of capital stock, net
  • $1,750Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.01%Yield on earning assets
  • 0.90%Cost of funding earning assets
  • 5.11%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 2.63%Net operating income to assets
  • 2.63%Return on assets (ROA)
  • 2.63%Pretax return on assets
  • 17.76%Return on equity (ROE)
  • 8.60%Retained earnings to average equity (YTD only)
  • 1.00%Net charge-offs to loans
  • 87.04%Credit loss provision to net charge-offs
  • 4.36%Efficiency ratio
  • 44,214Assets per employee
  • 2.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.56%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 62.79%Noncurrent assets plus other real estate owned to assets
  • 2.21%Noncurrent loans to loans
  • 2.55%Net loans and leases to deposits
  • 88.65%Net loans and leases to core deposits
  • 93.12%Equity capital to assets
  • 15.74%Core capital (leverage) ratio
  • 14.58%Tier 1 risk-based capital ratio
  • 21.49%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $128,971Average earning assets
  • $19,113Average equity
  • $119,500Average loans

List of branches

  • 5 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016191Peoples Community State BankHighways 142 And 160, Doniphan, MO 63935May 01, 1980Full Service Brick and Mortar
    1255916Naylor BranchKelsey Avenue And Highway 142, Naylor, MO 63953November 24, 1992Full Service Brick and Mortar
    2255917Ellington, Missouri BranchRoute 21 And County Road Y, Ellington, MO 63638October 11, 1994Full Service Brick and Mortar
    3360757Poplar Bluff Branch3529 South Westwood Boulevard, Poplar Bluff, MO 63901June 18, 2001Full Service Brick and Mortar
    48018Bunker BranchState Highway 72 And 4th Street, Bunker, MO 63629January 01, 1911Full Service Brick and Mortar

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