Peoples Loan & Trust Bank in Winchester, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 17, 2000

  • Peoples Loan & Trust Bank in Winchester, Indiana (IN)
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Peoples Loan & Trust Bank - Overview

  • General
  • FDIC Certificate #: 12846
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Old National Bank (#3832)
    Federal Reserve ID: 754648
    Date Established: January 01, 1901
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    OTS Docket #: 12593
    FDIC's unique #: 8132
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 17, 2000
    Last Structure Change Process Date: September 12, 2000
    Last Data Update: September 12, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 South Meridian Street, Winchester, IN 47394
    County: Randolph
    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
  • Financial Summary
  • Total assets: $228.1 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 69Total employees (full-time equivalent)
  • $220,881Total assets
  • $6,211Cash and due from depository institutions
  • $2Interest-bearing balances
  • $31,488Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $173,658Net loans & leases
  • $1,398Loan loss allowance
  • $0Trading account assets
  • $2,867Bank premises and fixed assets
  • $496Other real estate owned
  • $3,503Goodwill and other intangibles
  • $0Life insurance assets
  • $2,658All other assets
  • $220,881Total liabilities and capital
  • $202,760Total liabilities
  • $157,017Total deposits
  • $139,521Interest-bearing deposits
  • $157,017Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $12,700Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $31,500Other borrowed funds
  • $0Subordinated debt
  • $1,543All other liabilities
  • $18,121Total equity capital
  • $18,121Total bank equity capital
  • $18,121Perpetual preferred stock
  • $0Common stock
  • $1,300Surplus
  • $12,188Undivided profits
  • Memoranda
  • $4,633Noncurrent loans and leases
  • $16,547Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $953Earning assets
  • $0Long-term assets (5+ years)
  • $1,453Average Assets, year-to-date
  • $205,148Average Assets, quarterly
  • $72,108Volatile liabilities
  • $200,242Insider loans
  • $219,275FHLB advances
  • $63,016Loans and leases held for sale
  • $577Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,547Total unused commitments
  • $134Restructured Loans and leases
  • $1,398Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $14,929Total interest income
  • $7,114Total interest expense
  • $7,815Net interest income
  • $360Provision for loan and lease losses
  • $798Total noninterest income
  • $134Fiduciary activities
  • $433Service charges on deposit accounts
  • $0Trading account gains & fees
  • $231Additional noninterest income
  • $4,730Total noninterest expense
  • $2,332Salaries and employee benefits
  • $808Premises and equipment expense
  • $1,590Additional noninterest expense
  • $3,523Pre-tax net operating income
  • $11Securities gains (losses)
  • $1,400Applicable income taxes
  • $2,134Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,134Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $261Sale, conversion, retirement of capital stock, net
  • $974Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.06%Yield on earning assets
  • 3.84%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.76%Pretax return on assets
  • 11.95%Return on equity (ROE)
  • 6.50%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 137.93%Credit loss provision to net charge-offs
  • 14.88%Efficiency ratio
  • 50,075Assets per employee
  • 3.20%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.64%Loss allowance to loans
  • 0.80%Loss allowance to noncurrent loans
  • 146.69%Noncurrent assets plus other real estate owned to assets
  • 0.66%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 110.60%Net loans and leases to core deposits
  • 135.46%Equity capital to assets
  • 8.20%Core capital (leverage) ratio
  • 6.96%Tier 1 risk-based capital ratio
  • 9.54%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $200,242Average earning assets
  • $17,854Average equity
  • $185,177Average loans

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