Peoples National Bank , N.A. in Mount Vernon, Illinois (IL), MO
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples National Bank , N.A. - Overview

  • General
  • FDIC Certificate #: 3809
    Status: Active
    Federal Reserve ID: 375043
    Bank Holding Company (Regulatory Top Holder): Market Street Bancshares, Inc. (RSSDID: 1250437, Location: Mount Vernon, IL)
    Date Established: March 01, 1909
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 19 (Domestic: 18, Interstate: Yes)
    OTS Docket #: 11689
    FDIC's unique #: 2470
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 27, 2006
    Last Structure Change Process Date: December 14, 2006
    Last Data Update: December 14, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 520 South 42nd Street, Mount Vernon, IL 62864
    County: Jefferson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Mount Vernon, IL (#34500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $883.7 mil
    Equity capital: $78.2 mil
    Deposits held in domestic offices: $803.4 mil
    Return on assets (ROA): 0.70% ($6.2 mil)
    Quarterly return on assets: 0.51% ($4.5 mil)
    Return on Equity (ROE): 7.96% ($6.2 mil)
    Quarterly return on equity: 5.84% ($4.6 mil)
    Net income: $6.2 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.72% ($6,363.0 mil)
    Quarterly Pretax return on assets: 0.55% ($4,860.6 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, 2011)

  • Dollar figures in thousands
  • 248Total employees (full-time equivalent)
  • $883,746Total assets
  • $39,914Cash and due from depository institutions
  • $19,522Interest-bearing balances
  • $155,556Securities
  • $3,705Federal funds sold & reverse repurchase agreements
  • $625,375Net loans & leases
  • $7,760Loan loss allowance
  • $0Trading account assets
  • $22,958Bank premises and fixed assets
  • $7,811Other real estate owned
  • $61Goodwill and other intangibles
  • $883,746Life insurance assets
  • $28,366All other assets
  • $805,595Total liabilities and capital
  • $803,423Total liabilities
  • $626,322Total deposits
  • $803,423Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,172Subordinated debt
  • $78,151All other liabilities
  • $78,151Total equity capital
  • $78,151Total bank equity capital
  • $0Perpetual preferred stock
  • $2,414Common stock
  • $22,164Surplus
  • $53,573Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,564Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,738Income earned, not collected on loans
  • $81Earning assets
  • $6,249Long-term assets (5+ years)
  • $804,158Average Assets, year-to-date
  • $284,406Average Assets, quarterly
  • $884,286Volatile liabilities
  • $890,529Insider loans
  • $700,217FHLB advances
  • $891,720Loans and leases held for sale
  • $12,824Unused loan commitments
  • $12,824Tier 1 (core) risk-based capital
  • $77,003Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $90,812Restructured Loans and leases
  • $9,215Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $37,358Total interest income
  • $6,858Total interest expense
  • $30,500Net interest income
  • $4,749Provision for loan and lease losses
  • $5,822Total noninterest income
  • $49Fiduciary activities
  • $2,673Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,100Additional noninterest income
  • $26,238Total noninterest expense
  • $12,641Salaries and employee benefits
  • $4,829Premises and equipment expense
  • $8,768Additional noninterest expense
  • $5,335Pre-tax net operating income
  • $1,073Securities gains (losses)
  • $228Applicable income taxes
  • $6,180Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,180Net income attributable to bank
  • $0Net charge-offs
  • $6,180Cash dividends
  • $5,445Sale, conversion, retirement of capital stock, net
  • $6,661Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.85%Cost of funding earning assets
  • 3.78%Net interest margin
  • 0.72%Noninterest income to earning assets
  • 3.25%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 7.96%Return on equity (ROE)
  • -0.62%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 87.22%Credit loss provision to net charge-offs
  • 1.85%Efficiency ratio
  • 72,168Assets per employee
  • 3.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 107.78%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 49.31%Noncurrent assets plus other real estate owned to assets
  • 2.66%Noncurrent loans to loans
  • 2.49%Net loans and leases to deposits
  • 77.84%Net loans and leases to core deposits
  • 86.05%Equity capital to assets
  • 8.84%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 11.00%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $884,286Average earning assets
  • $77,610Average equity
  • $807,545Average 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
  • $5,514Managed Assets
  • 1Number of Accounts
  • $2,720Personal trust and agency accounts
  • $2,667Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $53Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 110Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,794Other retirement accounts
  • $655Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,139Fiduciary accounts held in foreign offices

List of branches

  • 16 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02470Peoples National Bank , N.A.520 South 42nd Street, Mount Vernon, IL 62864March 01, 1909Full Service Brick and Mortar
    1201942Drive-Up Facility200 E Randolph, Mc Leansboro, IL 62859March 19, 1973Limited Service Facility
    4201945Mount Vernon Branch413 South 34th Street, Mount Vernon, IL 62864April 01, 1992Full Service Brick and Mortar
    511733Fairfield Branch215 Southeast 3rd Street, Fairfield, IL 62837July 06, 1957Full Service Brick and Mortar
    6201946Harrisburg Main Branch445 North Commercial Street, Harrisburg, IL 62946September 19, 1995Full Service Brick and Mortar
    7201947Salem Branch102 Cross Creek Boulevard, Salem, IL 62881May 12, 1997Full Service Brick and Mortar
    1110846Dahlgren Facility203 Main Street, Dahlgren, IL 62828August 21, 1948Full Service Brick and Mortar
    13360873Centralia Branch400 East Broadway, Centralia, IL 62801April 07, 2001Full Service Brick and Mortar
    22442359Belleville Branch6525 W Main Street, Belleville, IL 62223April 04, 2005Full Service Brick and Mortar
    25452620Marion Branch2803 17th Street, Marion, IL 62959May 22, 2006Full Service Brick and Mortar
    29468553Mcleansboro Branch116 South Washington, Mc Leansboro, IL 62859July 18, 2006Full Service Brick and Mortar
    30470227Harrisburg Branch511 South Main Street, Harrisburg, IL 62946September 24, 2007Full Service Brick and Mortar
    31470228Benton Branch208 Public Square, Benton, IL 62812September 24, 2007Full Service Brick and Mortar
    37480306Mt Vernon East Branch522 Main Street, Mount Vernon, IL 62864June 09, 2008Full Service Brick and Mortar
    38502035Marion East Branch908 East Deyoung Street, Marion, IL 62959December 14, 2009Full Service Brick and Mortar
    39514872Carmi Branch180 Commerce Street, Carmi, IL 62821December 01, 2010Full Service Brick and Mortar
  • 3 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    28467040Downtown St. Louis Branch826 Olive Street, Saint Louis, MO 63101July 19, 2006Full Service Brick and Mortar
    36479722Clayton Branch7600 Forsyth Blvd, Clayton, MO 63105June 02, 2008Full Service Brick and Mortar
    40529280Hampton Branch3280 Hampton Avenue, Saint Louis, MO 63139Febuary 27, 2012Full Service Brick and Mortar

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