Peoples Savings Bank of Rhineland in Rhineland, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Savings Bank of Rhineland in Rhineland, Missouri (MO)
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Peoples Savings Bank of Rhineland - Overview

  • General
  • FDIC Certificate #: 15264
    Status: Active
    Federal Reserve ID: 242257
    Date Established: August 12, 1935
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 12921
    FDIC's unique #: 9611
    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: Commercial Lending Specialization
    Date of Deposit Insurance: August 21, 1935
    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: 101 Bluff Street, Rhineland, MO 65069
    County: Montgomery
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Columbia Mo
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $166.5 mil
    Equity capital: $16.0 mil
    Deposits held in domestic offices: $149.8 mil
    Return on assets (ROA): 0.70% ($1.2 mil)
    Quarterly return on assets: 0.29% ($0.5 mil)
    Return on Equity (ROE): 7.38% ($1.2 mil)
    Quarterly return on equity: 2.94% ($0.5 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.93% ($1,548.8 mil)
    Quarterly Pretax return on assets: 0.29% ($483.0 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
  • 60Total employees (full-time equivalent)
  • $166,538Total assets
  • $13,361Cash and due from depository institutions
  • $7,888Interest-bearing balances
  • $24,325Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $120,750Net loans & leases
  • $1,621Loan loss allowance
  • $0Trading account assets
  • $4,510Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $166,538Life insurance assets
  • $3,592All other assets
  • $150,508Total liabilities and capital
  • $149,834Total liabilities
  • $122,336Total deposits
  • $149,834Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $674Subordinated debt
  • $16,030All other liabilities
  • $16,030Total equity capital
  • $16,030Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $600Surplus
  • $15,380Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,275Income earned, not collected on loans
  • $0Earning assets
  • $825Long-term assets (5+ years)
  • $152,963Average Assets, year-to-date
  • $78,109Average Assets, quarterly
  • $162,926Volatile liabilities
  • $162,974Insider loans
  • $111,637FHLB advances
  • $160,389Loans and leases held for sale
  • $1,116Unused loan commitments
  • $589Tier 1 (core) risk-based capital
  • $15,414Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $527Total unused commitments
  • $16,315Restructured Loans and leases
  • $451Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,563Total interest income
  • $1,600Total interest expense
  • $5,963Net interest income
  • $527Provision for loan and lease losses
  • $821Total noninterest income
  • $0Fiduciary activities
  • $760Service charges on deposit accounts
  • $0Trading account gains & fees
  • $61Additional noninterest income
  • $5,009Total noninterest expense
  • $2,983Salaries and employee benefits
  • $578Premises and equipment expense
  • $1,448Additional noninterest expense
  • $1,248Pre-tax net operating income
  • $261Securities gains (losses)
  • $369Applicable income taxes
  • $1,140Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,140Net income attributable to bank
  • $0Net charge-offs
  • $1,140Cash dividends
  • $737Sale, conversion, retirement of capital stock, net
  • $250Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 3.35%Noninterest expense to earning assets
  • 0.58%Net operating income to assets
  • 0.70%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 7.38%Return on equity (ROE)
  • 5.76%Retained earnings to average equity (YTD only)
  • 0.62%Net charge-offs to loans
  • 71.51%Credit loss provision to net charge-offs
  • 2.41%Efficiency ratio
  • 73,835Assets per employee
  • 2.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.93%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 71.25%Noncurrent assets plus other real estate owned to assets
  • 1.37%Noncurrent loans to loans
  • 1.86%Net loans and leases to deposits
  • 80.59%Net loans and leases to core deposits
  • 82.79%Equity capital to assets
  • 9.63%Core capital (leverage) ratio
  • 9.61%Tier 1 risk-based capital ratio
  • 13.81%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $162,926Average earning assets
  • $15,445Average equity
  • $149,637Average loans

List of branches

  • 6 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09611Peoples Savings Bank Of Rhineland101 Bluff Street, Rhineland, MO 65069August 12, 1935Full Service Brick and Mortar
    1233556Hermann Branch112 West 5th Street, Hermann, MO 65041January 10, 1995Full Service Brick and Mortar
    2233557New Florence Branch514 Picnic Street, New Florence, MO 63363August 18, 1997Full Service Brick and Mortar
    4441133Montgomery City Branch1005 South Sturgeon, Montgomery City, MO 63361June 06, 2005Limited Service Facility
    5441897New Haven Branch9414 Highway 100, New Haven, MO 63068June 13, 2005Full Service Brick and Mortar
    6522315Peoples Savings Bank - New Melle Bra30 Muhm Center, New Melle, MO 63365September 12, 2011Full Service Brick and Mortar

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