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)
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Peoples Savings and Loan Association of Monticello Indiana - Overview

  • General
  • FDIC Certificate #: 30065
    Status: Active
    Federal Reserve ID: 654579
    Date Established: January 01, 1899
    WWW: http://www.peoplessl@sugardog.com
    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

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