Peoples National Bank in Council Bluffs, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 21, 2005

  • Peoples National Bank in Council Bluffs, Iowa (IA)
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Peoples National Bank - Overview

  • General
  • FDIC Certificate #: 22712
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American National Bank (#19300)
    Federal Reserve ID: 182540
    Date Established: September 18, 1978
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    FDIC's unique #: 15854
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 18, 1978
    Last Structure Change Effective Date: Febuary 21, 2005
    Last Structure Change Process Date: March 04, 2005
    Last Data Update: March 04, 2005
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 Bennett Avenue, Council Bluffs, IA 51503
    County: Monona
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Omaha
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • Financial Summary
  • Total assets: $369.7 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, 2004)

  • Dollar figures in thousands
  • 70Total employees (full-time equivalent)
  • $369,733Total assets
  • $9,341Cash and due from depository institutions
  • $90Interest-bearing balances
  • $101,219Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $233,495Net loans & leases
  • $2,670Loan loss allowance
  • $0Trading account assets
  • $5,117Bank premises and fixed assets
  • $4Other real estate owned
  • $13,780Goodwill and other intangibles
  • $0Life insurance assets
  • $6,777All other assets
  • $369,733Total liabilities and capital
  • $329,409Total liabilities
  • $302,959Total deposits
  • $262,252Interest-bearing deposits
  • $302,959Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $16,455Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,400Other borrowed funds
  • $0Subordinated debt
  • $595All other liabilities
  • $40,324Total equity capital
  • $40,324Total bank equity capital
  • $40,324Perpetual preferred stock
  • $0Common stock
  • $10Surplus
  • $36,324Undivided profits
  • Memoranda
  • $3,990Noncurrent loans and leases
  • $33,958Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $508Earning assets
  • $0Long-term assets (5+ years)
  • $2,780Average Assets, year-to-date
  • $334,804Average Assets, quarterly
  • $104,625Volatile liabilities
  • $350,882Insider loans
  • $371,977FHLB advances
  • $47,935Loans and leases held for sale
  • $3,696Unused loan commitments
  • $5,900Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $266Total risk weighted assets
  • $33,958Total unused commitments
  • $0Restructured Loans and leases
  • $2,670Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $16,111Total interest income
  • $5,088Total interest expense
  • $11,023Net interest income
  • -$80Provision for loan and lease losses
  • $3,614Total noninterest income
  • $0Fiduciary activities
  • $2,344Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,270Additional noninterest income
  • $8,860Total noninterest expense
  • $2,976Salaries and employee benefits
  • $655Premises and equipment expense
  • $5,229Additional noninterest expense
  • $5,857Pre-tax net operating income
  • -$73Securities gains (losses)
  • $226Applicable income taxes
  • $5,558Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,558Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$332Sale, conversion, retirement of capital stock, net
  • $3,250Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 1.63%Cost of funding earning assets
  • 3.53%Net interest margin
  • 1.16%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.60%Net operating income to assets
  • 1.58%Return on assets (ROA)
  • 1.65%Pretax return on assets
  • 14.25%Return on equity (ROE)
  • 5.92%Retained earnings to average equity (YTD only)
  • -0.15%Net charge-offs to loans
  • 24.10%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 48,507Assets per employee
  • 5.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.47%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 525.59%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.22%Net loans and leases to deposits
  • 77.07%Net loans and leases to core deposits
  • 85.98%Equity capital to assets
  • 10.91%Core capital (leverage) ratio
  • 7.26%Tier 1 risk-based capital ratio
  • 11.19%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $350,882Average earning assets
  • $38,996Average equity
  • $312,367Average loans

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