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

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Peoples Loan & Trust Bank
GeneralFDIC 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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)69
Total assets$220,881
Cash and due from depository institutions$6,211
Interest-bearing balances$2
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$173,658
Loan loss allowance $1,398
Trading account assets$0
Bank premises and fixed assets$2,867
Other real estate owned$496
Goodwill and other intangibles$3,503
All other assets$2,658
Life insurance assets$0
Total liabilities and capital$220,881
Total liabilities$202,760
Total deposits$157,017
Interest-bearing deposits$139,521
Deposits held in domestic offices$157,017
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $12,700
Trading liabilities$0
Other borrowed funds $31,500
Subordinated debt $0
All other liabilities $1,543
Total equity capital$18,121
Total bank equity capital$18,121
Perpetual preferred stock$18,121
Common stock$0
Undivided profits $12,188
Noncurrent loans and leases $4,633
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $16,547
Income earned, not collected on loans $0
Earning assets $953
Long-term assets (5+ years) $0
Average Assets, year-to-date $1,453
Average Assets, quarterly $205,148
Volatile liabilities $72,108
Insider loans $200,242
FHLB advances $219,275
Loans and leases held for sale $63,016
Unused loan commitments $577
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $16,547
Restructured Loans and leases $134
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Income and Expense (December 31, 1999)
(Dollar figures in thousands)
Total interest income $14,929
Total interest expense $7,114
Net interest income $7,815
Provision for loan and lease losses $360
Total noninterest income $798
Fiduciary activities $134
Service charges on deposit accounts $433
Trading account gains & fees $0
Additional noninterest income $231
Total noninterest expense $4,730
Salaries and employee benefits $2,332
Premises and equipment expense $808
Additional noninterest expense $1,590
Pre-tax net operating income $3,523
Securities gains (losses) $11
Applicable income taxes $1,400
Income before extraordinary items $2,134
Extraordinary gains - net $0
Net income attributable to bank $2,134
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $261
Net operating income $974
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Performance and Condition Ratios (December 31, 1999)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.06%
Cost of funding earning assets 3.84%
Net interest margin 4.22%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 2.55%
Net operating income to assets 1.06%
Return on assets (ROA) 1.07%
Pretax return on assets 1.76%
Return on equity (ROE) 11.95%
Retained earnings to average equity (YTD only) 6.50%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 137.93%
Efficiency ratio14.88%
Assets per employee$50,075
Cash dividends to net income (YTD only)3.20%
Condition Ratios (%)
Loss allowance to loans 45.64%
Loss allowance to noncurrent loans 0.80%
Noncurrent assets plus other real estate owned to assets 146.69%
Noncurrent loans to loans 0.66%
Net loans and leases to deposits0.54%
Net loans and leases to core deposits 110.60%
Equity capital to assets 135.46%
Core capital (leverage) ratio 8.20%
Tier 1 risk-based capital ratio 6.96%
Total risk-based capital ratio 9.54%
Average assets$10
Average earning assets$200,242
Average equity $17,854
Average loans $185,177
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