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

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

  • General
  • FDIC Certificate #: 34973
    Status: Active
    Federal Reserve ID: 2732565
    Bank Holding Company (Regulatory Top Holder): Central South Bancorporation, Inc. (RSSDID: 2732574, Location: Indianola, IA)
    Date Established: November 20, 1998
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 62147
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: November 20, 1998
    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: 400 East Iowa Avenue, Indianola, IA 50125
    County: Warren
    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
    Metropolitan Statistical Area (MSA): Des Moines, IA (#2120)
    Combined Statistical Area (CSA): Des Moines-Newton-Pella, IA (#218)
    Core Based Statistical Area (CBSA): Des Moines-West Des Moines, IA (#19780)
    CBSA Metro Statistical Area: Des Moines-West Des Moines, IA (#19780)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $143.3 mil
    Equity capital: $12.8 mil
    Deposits held in domestic offices: $122.1 mil
    Return on assets (ROA): 0.63% ($0.9 mil)
    Quarterly return on assets: 0.86% ($1.2 mil)
    Return on Equity (ROE): 7.64% ($1.0 mil)
    Quarterly return on equity: 10.21% ($1.3 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.78% ($1,117.7 mil)
    Quarterly Pretax return on assets: 1.16% ($1,662.3 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
  • 35Total employees (full-time equivalent)
  • $143,299Total assets
  • $3,394Cash and due from depository institutions
  • $91Interest-bearing balances
  • $63,558Securities
  • $861Federal funds sold & reverse repurchase agreements
  • $65,673Net loans & leases
  • $1,138Loan loss allowance
  • $0Trading account assets
  • $4,503Bank premises and fixed assets
  • $1,045Other real estate owned
  • $323Goodwill and other intangibles
  • $143,299Life insurance assets
  • $3,942All other assets
  • $130,462Total liabilities and capital
  • $122,072Total liabilities
  • $95,285Total deposits
  • $122,072Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,825Trading liabilities
  • $0Other borrowed funds
  • $565Subordinated debt
  • $12,837All other liabilities
  • $12,837Total equity capital
  • $12,837Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $6,584Surplus
  • $5,853Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $88Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,732Income earned, not collected on loans
  • $0Earning assets
  • $707Long-term assets (5+ years)
  • $130,183Average Assets, year-to-date
  • $65,243Average Assets, quarterly
  • $144,961Volatile liabilities
  • $150,969Insider loans
  • $80,188FHLB advances
  • $147,286Loans and leases held for sale
  • $1,907Unused loan commitments
  • $375Tier 1 (core) risk-based capital
  • $12,106Tier 2 risk-based capital
  • $1,170Total risk weighted assets
  • $362Total unused commitments
  • $19,708Restructured Loans and leases
  • $7,105Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,583Total interest income
  • $1,330Total interest expense
  • $4,253Net interest income
  • $465Provision for loan and lease losses
  • $834Total noninterest income
  • $0Fiduciary activities
  • $385Service charges on deposit accounts
  • $0Trading account gains & fees
  • $449Additional noninterest income
  • $3,642Total noninterest expense
  • $1,785Salaries and employee benefits
  • $725Premises and equipment expense
  • $1,132Additional noninterest expense
  • $980Pre-tax net operating income
  • $149Securities gains (losses)
  • $209Applicable income taxes
  • $920Income before extraordinary items
  • $0Extraordinary gains - net
  • $920Net income attributable to bank
  • $0Net charge-offs
  • $920Cash dividends
  • $409Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.23%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 7.64%Return on equity (ROE)
  • 7.64%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 113.69%Credit loss provision to net charge-offs
  • 3.53%Efficiency ratio
  • 71,299Assets per employee
  • 4.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 65.70%Noncurrent assets plus other real estate owned to assets
  • 1.94%Noncurrent loans to loans
  • 2.59%Net loans and leases to deposits
  • 53.80%Net loans and leases to core deposits
  • 56.40%Equity capital to assets
  • 8.96%Core capital (leverage) ratio
  • 8.22%Tier 1 risk-based capital ratio
  • 15.10%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $144,961Average earning assets
  • $12,039Average equity
  • $131,866Average loans

List of branches

  • 4 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    062147Peoples Savings Bank400 East Iowa Avenue, Indianola, IA 50125November 20, 1998Full Service Brick and Mortar
    1229221Lacona Branch103 East Main Street, Lacona, IA 50139November 14, 1938Full Service Brick and Mortar
    2229222Milo Branch201 Main Street, Milo, IA 50166November 21, 1938Full Service Brick and Mortar
    3419683Peoples Savings Bank Carlisle Branch2720 Gateway Drive, Carlisle, IA 50047Febuary 02, 2003Full Service Brick and Mortar

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