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

Show street view No street view available for this location
Table of contents:
Peoples Savings and Loan Association of Monticello Indiana
GeneralFDIC 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
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
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
Undivided profits $12,346
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
Back to page top, Back to table top

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
Back to page top, Back to table top

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%
Average assets$72
Average earning assets$39,321
Average equity $12,612
Average loans $38,407
Back to page top, Back to table top

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
Back to page top

User Contributions:

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.