Peoples Savings and Loan Association of Monticello Indiana in Monticello, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Savings and Loan Association of Monticello Indiana in Monticello, Indiana (IN)
  • Show street view No street view available for this location

Peoples Savings and Loan Association of Monticello Indiana - Overview

  • General
  • FDIC Certificate #: 30065
    Status: Active
    Federal Reserve ID: 654579
    Date Established: January 01, 1899
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 4674
    FDIC's unique #: 42899
    Numeric code: 36
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: December 16, 1939
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 126 Court St, Monticello, IN 47960
    County: White
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $40.2 mil
    Equity capital: $12.3 mil
    Deposits held in domestic offices: $27.1 mil
    Return on assets (ROA): -0.06% (-$0.0 mil)
    Quarterly return on assets: -0.89% (-$0.4 mil)
    Return on Equity (ROE): -0.19% (-$0.0 mil)
    Quarterly return on equity: -2.87% (-$0.3 mil)
    Net income: -$0.0 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.13% ($52.2 mil)
    Quarterly Pretax return on assets: -0.81% (-$325.4 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
  • 7Total employees (full-time equivalent)
  • $40,173Total assets
  • $12,336Cash and due from depository institutions
  • $12,264Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $26,771Net loans & leases
  • $125Loan loss allowance
  • $0Trading account assets
  • $192Bank premises and fixed assets
  • $99Other real estate owned
  • $0Goodwill and other intangibles
  • $40,173Life insurance assets
  • $775All other assets
  • $27,827Total liabilities and capital
  • $27,064Total liabilities
  • $27,064Total deposits
  • $27,064Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $763Subordinated debt
  • $12,346All other liabilities
  • $12,346Total equity capital
  • $12,346Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $12,346Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,069Income earned, not collected on loans
  • $0Earning assets
  • $3Long-term assets (5+ years)
  • $39,035Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $39,321Volatile liabilities
  • $40,482Insider loans
  • $17,230FHLB advances
  • $40,173Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,346Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,561Total interest income
  • $309Total interest expense
  • $1,252Net interest income
  • $151Provision for loan and lease losses
  • $4Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4Additional noninterest income
  • $1,053Total noninterest expense
  • $671Salaries and employee benefits
  • $181Premises and equipment expense
  • $201Additional noninterest expense
  • $52Pre-tax net operating income
  • $0Securities gains (losses)
  • $76Applicable income taxes
  • -$24Income before extraordinary items
  • $0Extraordinary gains - net
  • -$24Net income attributable to bank
  • $0Net charge-offs
  • -$24Cash dividends
  • $143Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.01%Noninterest income to earning assets
  • 2.74%Noninterest expense to earning assets
  • -0.06%Net operating income to assets
  • -0.06%Return on assets (ROA)
  • 0.13%Pretax return on assets
  • -0.19%Return on equity (ROE)
  • -0.19%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 105.59%Credit loss provision to net charge-offs
  • 1.42%Efficiency ratio
  • 83,838Assets per employee
  • 5.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.46%Loss allowance to noncurrent loans
  • 11.69%Noncurrent assets plus other real estate owned to assets
  • 2.91%Noncurrent loans to loans
  • 3.97%Net loans and leases to deposits
  • 98.92%Net loans and leases to core deposits
  • 101.42%Equity capital to assets
  • 30.73%Core capital (leverage) ratio
  • 30.73%Tier 1 risk-based capital ratio
  • 71.65%Total risk-based capital ratio
  • Memoranda
  • $72Average assets
  • $39,321Average earning assets
  • $12,612Average equity
  • $38,407Average loans

List of branches

  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042899Peoples Savings And Loan Association126 Court St, Monticello, IN 47960January 01, 1899Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples Savings and Loan Association of Monticello Indiana.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents