Peoples Community State Bank in Doniphan, Missouri (MO)

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Peoples Community State Bank routing number info

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Peoples Community State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesOffice Purchased
Financial SummaryTotal 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)
Total employees (full-time equivalent)45
Total assets$126,938
Cash and due from depository institutions$7,923
Interest-bearing balances$5,736
Federal funds sold & reverse repurchase agreements$3,201
Net loans & leases$90,177
Loan loss allowance $1,468
Trading account assets$0
Bank premises and fixed assets$1,983
Other real estate owned$473
Goodwill and other intangibles$940
All other assets$3,536
Life insurance assets$126,938
Total liabilities and capital$106,962
Total liabilities$101,725
Total deposits$91,676
Interest-bearing deposits$101,725
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $237
All other liabilities $19,976
Total equity capital$19,976
Total bank equity capital$19,976
Perpetual preferred stock$0
Common stock$420
Undivided profits $18,617
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 $2,338
Earning assets $0
Long-term assets (5+ years) $741
Average Assets, year-to-date $117,819
Average Assets, quarterly $77,241
Volatile liabilities $128,971
Insider loans $129,167
FHLB advances $88,236
Loans and leases held for sale $130,060
Unused loan commitments $2,080
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $18,961
Total risk weighted assets $0
Total unused commitments $2,080
Restructured Loans and leases $6,513
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,182
Total interest expense $1,072
Net interest income $6,110
Provision for loan and lease losses $846
Total noninterest income $1,494
Fiduciary activities $0
Service charges on deposit accounts $998
Trading account gains & fees $0
Additional noninterest income $496
Total noninterest expense $3,362
Salaries and employee benefits $1,522
Premises and equipment expense $454
Additional noninterest expense $1,386
Pre-tax net operating income $3,396
Securities gains (losses) $0
Applicable income taxes $2
Income before extraordinary items $3,394
Extraordinary gains - net $0
Net income attributable to bank $3,394
Net charge-offs $0
Cash dividends $3,394
Sale, conversion, retirement of capital stock, net $972
Net operating income $1,750
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.01%
Cost of funding earning assets 0.90%
Net interest margin 5.11%
Noninterest income to earning assets 1.25%
Noninterest expense to earning assets 2.81%
Net operating income to assets 2.63%
Return on assets (ROA) 2.63%
Pretax return on assets 2.63%
Return on equity (ROE) 17.76%
Retained earnings to average equity (YTD only) 8.60%
Net charge-offs to loans 1.00%
Credit loss provision to net charge-offs 87.04%
Efficiency ratio4.36%
Assets per employee$44,214
Cash dividends to net income (YTD only)2.82%
Condition Ratios (%)
Loss allowance to loans 51.56%
Loss allowance to noncurrent loans 1.60%
Noncurrent assets plus other real estate owned to assets 62.79%
Noncurrent loans to loans 2.21%
Net loans and leases to deposits2.55%
Net loans and leases to core deposits 88.65%
Equity capital to assets 93.12%
Core capital (leverage) ratio 15.74%
Tier 1 risk-based capital ratio 14.58%
Total risk-based capital ratio 21.49%
Average assets$23
Average earning assets$128,971
Average equity $19,113
Average loans $119,500
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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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