Peoples Savings Bank in Montezuma, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Savings Bank in Montezuma, Iowa (IA)
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Peoples Savings Bank - Overview

  • General
  • FDIC Certificate #: 16363
    Status: Active
    Federal Reserve ID: 1013744
    Bank Holding Company (Regulatory Top Holder): Arendt's, Inc. (RSSDID: 1200067, Location: Montezuma, IA)
    Date Established: January 21, 1946
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 10545
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 21, 1946
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 106 South Second Street, Montezuma, IA 50171
    County: Poweshiek
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $33.1 mil
    Equity capital: $3.6 mil
    Deposits held in domestic offices: $29.4 mil
    Return on assets (ROA): 0.34% ($0.1 mil)
    Quarterly return on assets: -0.05% (-$0.0 mil)
    Return on Equity (ROE): 3.20% ($0.1 mil)
    Quarterly return on equity: -0.45% (-$0.0 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.0 mil
    Pretax return on assets: 0.34% ($112.4 mil)
    Quarterly Pretax return on assets: -0.11% (-$36.4 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
  • 11Total employees (full-time equivalent)
  • $33,062Total assets
  • $5,895Cash and due from depository institutions
  • $1,584Interest-bearing balances
  • $12,824Securities
  • $2,519Federal funds sold & reverse repurchase agreements
  • $11,118Net loans & leases
  • $237Loan loss allowance
  • $0Trading account assets
  • $43Bank premises and fixed assets
  • $126Other real estate owned
  • $0Goodwill and other intangibles
  • $33,062Life insurance assets
  • $537All other assets
  • $29,462Total liabilities and capital
  • $29,398Total liabilities
  • $24,463Total deposits
  • $29,398Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $64Subordinated debt
  • $3,600All other liabilities
  • $3,600Total equity capital
  • $3,600Total bank equity capital
  • $0Perpetual preferred stock
  • $90Common stock
  • $1,200Surplus
  • $2,310Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,094Income earned, not collected on loans
  • $0Earning assets
  • $364Long-term assets (5+ years)
  • $28,045Average Assets, year-to-date
  • $7,329Average Assets, quarterly
  • $32,744Volatile liabilities
  • $32,474Insider loans
  • $16,073FHLB advances
  • $30,413Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,403Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $580Restructured Loans and leases
  • $69Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,215Total interest income
  • $262Total interest expense
  • $953Net interest income
  • $0Provision for loan and lease losses
  • $78Total noninterest income
  • $0Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$7Additional noninterest income
  • $921Total noninterest expense
  • $648Salaries and employee benefits
  • $119Premises and equipment expense
  • $154Additional noninterest expense
  • $110Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $110Income before extraordinary items
  • $0Extraordinary gains - net
  • $110Net income attributable to bank
  • $0Net charge-offs
  • $110Cash dividends
  • $72Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.42%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 3.20%Return on equity (ROE)
  • 3.20%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.53%Efficiency ratio
  • 89,331Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.09%Loss allowance to noncurrent loans
  • 21.66%Noncurrent assets plus other real estate owned to assets
  • 3.69%Noncurrent loans to loans
  • 9.63%Net loans and leases to deposits
  • 37.82%Net loans and leases to core deposits
  • 39.55%Equity capital to assets
  • 10.89%Core capital (leverage) ratio
  • 11.19%Tier 1 risk-based capital ratio
  • 21.17%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $32,744Average earning assets
  • $3,437Average equity
  • $27,880Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010545Peoples Savings Bank106 South Second Street, Montezuma, IA 50171January 21, 1946Full Service Brick and Mortar

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