Peoples Savings and Loan Association of Monticello Indiana in Monticello, Indiana (IN)



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Peoples Savings and Loan Association of Monticello Indiana
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Primary Regulatory Agency
Financial SummaryTotal 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)
Total employees (full-time equivalent)7
Total assets$40,173
Cash and due from depository institutions$12,336
Interest-bearing balances$12,264
Securities$0
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$26,771
Loan loss allowance $125
Trading account assets$0
Bank premises and fixed assets$192
Other real estate owned$99
Goodwill and other intangibles$0
All other assets$775
Life insurance assets$40,173
Total liabilities and capital$27,827
Total liabilities$27,064
Total deposits$27,064
Interest-bearing deposits$27,064
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $763
All other liabilities $12,346
Total equity capital$12,346
Total bank equity capital$12,346
Perpetual preferred stock$0
Common stock$0
Surplus$0
Undivided profits $12,346
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,069
Earning assets $0
Long-term assets (5+ years) $3
Average Assets, year-to-date $39,035
Average Assets, quarterly $0
Volatile liabilities $39,321
Insider loans $40,482
FHLB advances $17,230
Loans and leases held for sale $40,173
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $12,346
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,561
Total interest expense $309
Net interest income $1,252
Provision for loan and lease losses $151
Total noninterest income $4
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income $4
Total noninterest expense $1,053
Salaries and employee benefits $671
Premises and equipment expense $181
Additional noninterest expense $201
Pre-tax net operating income $52
Securities gains (losses) $0
Applicable income taxes $76
Income before extraordinary items -$24
Extraordinary gains - net $0
Net income attributable to bank -$24
Net charge-offs $0
Cash dividends -$24
Sale, conversion, retirement of capital stock, net $143
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.06%
Cost of funding earning assets 0.80%
Net interest margin 3.26%
Noninterest income to earning assets 0.01%
Noninterest expense to earning assets 2.74%
Net operating income to assets -0.06%
Return on assets (ROA) -0.06%
Pretax return on assets 0.13%
Return on equity (ROE) -0.19%
Retained earnings to average equity (YTD only) -0.19%
Net charge-offs to loans 0.51%
Credit loss provision to net charge-offs 105.59%
Efficiency ratio1.42%
Assets per employee$83,838
Cash dividends to net income (YTD only)5.74%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.46%
Noncurrent assets plus other real estate owned to assets 11.69%
Noncurrent loans to loans 2.91%
Net loans and leases to deposits3.97%
Net loans and leases to core deposits 98.92%
Equity capital to assets 101.42%
Core capital (leverage) ratio 30.73%
Tier 1 risk-based capital ratio 30.73%
Total risk-based capital ratio 71.65%
Memoranda
Average assets$72
Average earning assets$39,321
Average equity $12,612
Average loans $38,407
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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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