Peoples Federal Savings Bank of DeKalb County in Auburn, Indiana (IN), MI
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples Federal Savings Bank of DeKalb County in Auburn, Indiana (IN), MI
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Peoples Federal Savings Bank of DeKalb County - Overview

  • General
  • FDIC Certificate #: 29789
    Status: Active
    Federal Reserve ID: 602972
    Date Established: January 01, 1925
    WWW: http://www.peoplesfed.com
    Trust Powers Granted: Yes
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 15 (Domestic: 15, Interstate: Yes)
    OTS Docket #: 4091
    FDIC's unique #: 42623
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 15, 1937
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 212 West Seventh Street, Auburn, IN 46706
    County: Dekalb
    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): Fort Wayne, IN (#2760)
    Combined Statistical Area (CSA): Fort Wayne-Huntington-Auburn, IN (#258)
    Core Based Statistical Area (CBSA): Auburn, IN (#12140)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $484.6 mil
    Equity capital: $56.9 mil
    Deposits held in domestic offices: $362.5 mil
    Return on assets (ROA): 0.80% ($3.9 mil)
    Quarterly return on assets: 0.72% ($3.5 mil)
    Return on Equity (ROE): 6.88% ($3.9 mil)
    Quarterly return on equity: 6.12% ($3.5 mil)
    Net income: $3.8 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 0.95% ($4,603.6 mil)
    Quarterly Pretax return on assets: 0.82% ($3,973.7 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
  • 138Total employees (full-time equivalent)
  • $484,594Total assets
  • $9,836Cash and due from depository institutions
  • $2,581Interest-bearing balances
  • $219,666Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $224,820Net loans & leases
  • $2,527Loan loss allowance
  • $0Trading account assets
  • $5,178Bank premises and fixed assets
  • $1,301Other real estate owned
  • $2,835Goodwill and other intangibles
  • $484,594Life insurance assets
  • $20,958All other assets
  • $427,656Total liabilities and capital
  • $362,531Total liabilities
  • $336,156Total deposits
  • $362,531Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 1357.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $60,719Trading liabilities
  • $0Other borrowed funds
  • $3,049Subordinated debt
  • $56,938All other liabilities
  • $56,938Total equity capital
  • $56,938Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $23,685Surplus
  • $33,243Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $680Income earned, not collected on loans
  • $0Earning assets
  • $2,360Long-term assets (5+ years)
  • $447,067Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $476,106Volatile liabilities
  • $482,589Insider loans
  • $240,400FHLB advances
  • $476,822Loans and leases held for sale
  • $12,557Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $50,967Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $52,086Restructured Loans and leases
  • $1,310Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,481Total interest income
  • $6,170Total interest expense
  • $13,311Net interest income
  • $410Provision for loan and lease losses
  • $2,838Total noninterest income
  • $0Fiduciary activities
  • $510Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,328Additional noninterest income
  • $11,992Total noninterest expense
  • $7,399Salaries and employee benefits
  • $2,563Premises and equipment expense
  • $2,030Additional noninterest expense
  • $3,747Pre-tax net operating income
  • $798Securities gains (losses)
  • $718Applicable income taxes
  • $3,827Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,827Net income attributable to bank
  • $0Net charge-offs
  • $3,827Cash dividends
  • $528Sale, conversion, retirement of capital stock, net
  • $6,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 3.02%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.72%Noninterest expense to earning assets
  • 0.66%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 6.88%Return on equity (ROE)
  • -4.00%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 77.65%Credit loss provision to net charge-offs
  • 7.87%Efficiency ratio
  • 74,184Assets per employee
  • 3.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 158.09%Loss allowance to loans
  • 1.11%Loss allowance to noncurrent loans
  • 371.62%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 62.01%Net loans and leases to core deposits
  • 66.82%Equity capital to assets
  • 11.75%Core capital (leverage) ratio
  • 10.69%Tier 1 risk-based capital ratio
  • 21.20%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $476,106Average earning assets
  • $55,627Average equity
  • $441,260Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $93,148Managed Assets
  • 1Number of Accounts
  • $73,405Personal trust and agency accounts
  • $34,096Employee benefit-defined contribution accounts
  • $1,369Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $5,678Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $19,830Other fiduciary accounts
  • $12,432Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 517Number of Accounts
  • $0Personal trust and agency accounts
  • $5,678Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $19,743Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $15,513Fiduciary accounts held in foreign offices

List of branches

  • 11 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042623Peoples Federal Savings Bank Of Deka212 West Seventh Street, Auburn, IN 46706January 01, 1925Full Service Brick and Mortar
    1277168Garrett Branch1212 S Randolph St, Garrett, IN 46738January 01, 1925Full Service Brick and Mortar
    100277169Columbia City Branch123-129 South Main Street, Columbia City, IN 46725January 01, 1925Full Service Brick and Mortar
    101277170Lagrange Branch114-118 S. Detroit Street, Lagrange, IN 46761January 01, 1925Full Service Brick and Mortar
    10341344Kendallville Branch116 West Mitchell Street, Kendallville, IN 46755January 01, 1885Full Service Brick and Mortar
    104268025Avilla Branch105 Main Street, Avilla, IN 46710January 01, 1885Full Service Brick and Mortar
    105277172North Main Street Branch507 North Main Street, Columbia City, IN 46725April 20, 1998Full Service Brick and Mortar
    106359117Waterloo Branch625 S. Wayne Street, Waterloo, IN 46793August 06, 1999Full Service Brick and Mortar
    107446110Topeka Branch210 West Lake Street, Topeka, IN 46571Febuary 01, 2002Full Service Brick and Mortar
    112264845Defiance Street Branch303 Defiance Street, Howe, IN 46746Febuary 16, 1998Full Service Brick and Mortar
    113264846420 North Main Street Branch420 North Main Street, Middlebury, IN 46540May 27, 1998Full Service Brick and Mortar
  • 4 Michigan Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    10840893Three Rivers Branch123 Portage Avenue, Three Rivers, MI 49093January 01, 1886Full Service Brick and Mortar
    109264839500 North Grand Branch500 North Grand, Schoolcraft, MI 49087January 01, 1886Full Service Brick and Mortar
    110264840U S 12 And Union Road BranchUs Highway 12 And Union Road, Union, MI 49130January 01, 1886Full Service Brick and Mortar
    1112648441213 W Michigan Branch1213 West Michigan, Three Rivers, MI 49093June 30, 1989Full Service Brick and Mortar

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