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


Peoples Savings Bank - Overview

  • General
  • FDIC Certificate #: 5818
    Status: Active
    Federal Reserve ID: 679246
    Bank Holding Company (Regulatory Top Holder): R & J Financial Corporation (RSSDID: 1210570, Location: Elma, IA)
    Date Established: January 01, 1927
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 12143
    FDIC's unique #: 3976
    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 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: 328 Main Street, Elma, IA 50628
    County: Howard
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $59.2 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $46.9 mil
    Return on assets (ROA): 1.70% ($1.0 mil)
    Quarterly return on assets: 1.74% ($1.0 mil)
    Return on Equity (ROE): 18.86% ($0.9 mil)
    Quarterly return on equity: 18.71% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.78% ($1,054.0 mil)
    Quarterly Pretax return on assets: 1.80% ($1,065.8 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)
  • $59,213Total assets
  • $5,163Cash and due from depository institutions
  • $3,107Interest-bearing balances
  • $803Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $51,227Net loans & leases
  • $702Loan loss allowance
  • $0Trading account assets
  • $114Bank premises and fixed assets
  • $87Other real estate owned
  • $0Goodwill and other intangibles
  • $59,213Life insurance assets
  • $1,819All other assets
  • $53,749Total liabilities and capital
  • $46,889Total liabilities
  • $40,624Total deposits
  • $46,889Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,700Trading liabilities
  • $0Other borrowed funds
  • $160Subordinated debt
  • $5,464All other liabilities
  • $5,464Total equity capital
  • $5,464Total bank equity capital
  • $0Perpetual preferred stock
  • $302Common stock
  • $2,742Surplus
  • $2,420Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $457Income earned, not collected on loans
  • $0Earning assets
  • $764Long-term assets (5+ years)
  • $55,137Average Assets, year-to-date
  • $3,585Average Assets, quarterly
  • $59,608Volatile liabilities
  • $59,196Insider loans
  • $46,386FHLB advances
  • $59,607Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,456Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,673Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,233Total interest income
  • $898Total interest expense
  • $2,335Net interest income
  • $190Provision for loan and lease losses
  • $63Total noninterest income
  • $0Fiduciary activities
  • $72Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$9Additional noninterest income
  • $1,147Total noninterest expense
  • $671Salaries and employee benefits
  • $149Premises and equipment expense
  • $327Additional noninterest expense
  • $1,061Pre-tax net operating income
  • $0Securities gains (losses)
  • $49Applicable income taxes
  • $1,012Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,012Net income attributable to bank
  • $0Net charge-offs
  • $1,012Cash dividends
  • $95Sale, conversion, retirement of capital stock, net
  • $731Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.75%Yield on earning assets
  • 1.60%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.11%Noninterest income to earning assets
  • 2.04%Noninterest expense to earning assets
  • 1.70%Net operating income to assets
  • 1.70%Return on assets (ROA)
  • 1.78%Pretax return on assets
  • 18.86%Return on equity (ROE)
  • 5.24%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 200.00%Credit loss provision to net charge-offs
  • 13.17%Efficiency ratio
  • 47,832Assets per employee
  • 5.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 72.23%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 153.61%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 109.25%Net loans and leases to core deposits
  • 127.99%Equity capital to assets
  • 9.23%Core capital (leverage) ratio
  • 9.15%Tier 1 risk-based capital ratio
  • 11.76%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $59,608Average earning assets
  • $5,365Average equity
  • $56,209Average 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
  • $1,719Managed Assets
  • 1Number of Accounts
  • $1,416Personal trust and agency accounts
  • $129Employee benefit-defined contribution accounts
  • $1,287Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 56Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $303Other retirement accounts
  • $303Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03976Peoples Savings Bank328 Main Street, Elma, IA 50628January 01, 1927Full Service Brick and Mortar

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