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

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

  • General
  • FDIC Certificate #: 225
    Status: Active
    Federal Reserve ID: 868844
    Bank Holding Company (Regulatory Top Holder): Country Bancorporation (RSSDID: 1203910, Location: Crawfordsville, IA)
    Date Established: October 17, 1912
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 178
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 100 South Main, Crawfordsville, IA 52621
    County: Washington
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Iowa City, IA (#26980)
    CBSA Metro Statistical Area: Iowa City, IA (#26980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $29.6 mil
    Equity capital: $3.1 mil
    Deposits held in domestic offices: $26.4 mil
    Return on assets (ROA): 1.30% ($0.4 mil)
    Quarterly return on assets: 1.50% ($0.5 mil)
    Return on Equity (ROE): 12.87% ($0.4 mil)
    Quarterly return on equity: 14.48% ($0.4 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.75% ($517.6 mil)
    Quarterly Pretax return on assets: 2.09% ($618.2 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
  • 6Total employees (full-time equivalent)
  • $29,578Total assets
  • $2,253Cash and due from depository institutions
  • $1,845Interest-bearing balances
  • $10,551Securities
  • $114Federal funds sold & reverse repurchase agreements
  • $15,228Net loans & leases
  • $158Loan loss allowance
  • $0Trading account assets
  • $152Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $29,578Life insurance assets
  • $1,280All other assets
  • $26,489Total liabilities and capital
  • $26,400Total liabilities
  • $22,882Total deposits
  • $26,400Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $89Subordinated debt
  • $3,089All other liabilities
  • $3,089Total equity capital
  • $3,089Total bank equity capital
  • $0Perpetual preferred stock
  • $64Common stock
  • $400Surplus
  • $2,625Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $65Income earned, not collected on loans
  • $0Earning assets
  • $286Long-term assets (5+ years)
  • $27,738Average Assets, year-to-date
  • $6,923Average Assets, quarterly
  • $29,202Volatile liabilities
  • $29,081Insider loans
  • $21,314FHLB advances
  • $29,981Loans and leases held for sale
  • $907Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,969Tier 2 risk-based capital
  • $907Total risk weighted assets
  • $0Total unused commitments
  • $2,428Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,489Total interest income
  • $274Total interest expense
  • $1,215Net interest income
  • $18Provision for loan and lease losses
  • $122Total noninterest income
  • $0Fiduciary activities
  • $73Service charges on deposit accounts
  • $0Trading account gains & fees
  • $49Additional noninterest income
  • $808Total noninterest expense
  • $532Salaries and employee benefits
  • $90Premises and equipment expense
  • $186Additional noninterest expense
  • $511Pre-tax net operating income
  • $1Securities gains (losses)
  • $133Applicable income taxes
  • $379Income before extraordinary items
  • $0Extraordinary gains - net
  • $379Net income attributable to bank
  • $0Net charge-offs
  • $379Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.46%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 1.30%Net operating income to assets
  • 1.30%Return on assets (ROA)
  • 1.75%Pretax return on assets
  • 12.87%Return on equity (ROE)
  • 6.08%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 600.00%Credit loss provision to net charge-offs
  • 176.33%Efficiency ratio
  • 60,434Assets per employee
  • 4.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.77%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 243.08%Noncurrent assets plus other real estate owned to assets
  • 0.22%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 57.68%Net loans and leases to core deposits
  • 57.68%Equity capital to assets
  • 10.44%Core capital (leverage) ratio
  • 9.90%Tier 1 risk-based capital ratio
  • 13.93%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $29,202Average earning assets
  • $2,945Average equity
  • $27,292Average loans

List of branches

  • 2 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0178Peoples Savings Bank100 South Main, Crawfordsville, IA 52621October 17, 1912Full Service Brick and Mortar
    1364327Wayland Branch201 West Main Street, Wayland, IA 52654Febuary 07, 2002Full Service Brick and Mortar

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