Peoples Federal Savings Bank in Aurora, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 16, 2005

  • Peoples Federal Savings Bank in Aurora, Indiana (IN)
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Peoples Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 31149
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Peoples Community Bank (#32288)
    Federal Reserve ID: 705677
    Date Established: January 01, 1887
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 6459
    FDIC's unique #: 43983
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: October 03, 1960
    Last Structure Change Effective Date: December 16, 2005
    Last Structure Change Process Date: January 11, 2006
    Last Data Update: January 11, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: Second & Bridgeway Sts, Aurora, IN 47001
    County: Dearborn
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Cincinnati, OH-KY-IN (#1640)
    Consolidated Metropolitan Statistical Area (CMSA): Cincinnati-Hamilton, OH-KY-IN (#21)
    Combined Statistical Area (CSA): Cincinnati-Middletown-Wilmington, OH-KY-IN (#178)
    Core Based Statistical Area (CBSA): Cincinnati-Middletown, OH-KY-IN (#17140)
    CBSA Metro Statistical Area: Cincinnati-Middletown, OH-KY-IN (#17140)
  • Financial Summary
  • Total assets: $130.6 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, 2004)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $130,049Total assets
  • $7,746Cash and due from depository institutions
  • $6,566Interest-bearing balances
  • $5,157Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $114,726Net loans & leases
  • $833Loan loss allowance
  • $0Trading account assets
  • $940Bank premises and fixed assets
  • $0Other real estate owned
  • $33Goodwill and other intangibles
  • $0Life insurance assets
  • $1,447All other assets
  • $130,049Total liabilities and capital
  • $107,279Total liabilities
  • $87,899Total deposits
  • $83,298Interest-bearing deposits
  • $87,899Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $18,230Other borrowed funds
  • $0Subordinated debt
  • $1,150All other liabilities
  • $22,770Total equity capital
  • $22,770Total bank equity capital
  • $22,770Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $7,508Undivided profits
  • Memoranda
  • $15,262Noncurrent loans and leases
  • $10,666Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $983Earning assets
  • $0Long-term assets (5+ years)
  • $441Average Assets, year-to-date
  • $126,449Average Assets, quarterly
  • $0Volatile liabilities
  • $120,968Insider loans
  • $126,684FHLB advances
  • $43,348Loans and leases held for sale
  • $102Unused loan commitments
  • $17,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,666Total unused commitments
  • $0Restructured Loans and leases
  • $1,514Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $5,707Total interest income
  • $1,735Total interest expense
  • $3,972Net interest income
  • $96Provision for loan and lease losses
  • $556Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $556Additional noninterest income
  • $2,850Total noninterest expense
  • $1,842Salaries and employee benefits
  • $526Premises and equipment expense
  • $482Additional noninterest expense
  • $1,582Pre-tax net operating income
  • $0Securities gains (losses)
  • $633Applicable income taxes
  • $949Income before extraordinary items
  • $0Extraordinary gains - net
  • $949Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 3.38%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.78%Net operating income to assets
  • 0.78%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 4.32%Return on equity (ROE)
  • 4.32%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 282.35%Credit loss provision to net charge-offs
  • 49.35%Efficiency ratio
  • 61,970Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.72%Loss allowance to noncurrent loans
  • 84.74%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 130.52%Net loans and leases to core deposits
  • 182.74%Equity capital to assets
  • 17.51%Core capital (leverage) ratio
  • 16.92%Tier 1 risk-based capital ratio
  • 26.84%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $120,968Average earning assets
  • $21,977Average equity
  • $117,388Average loans

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