Peoples State Bank in Winfield, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 13992
    Status: Active
    Federal Reserve ID: 505242
    Bank Holding Company (Regulatory Top Holder): Peoples Holding Corp. (RSSDID: 1203684, Location: Winfield, IA)
    Date Established: January 01, 1934
    WWW: http://www.peoplesstatebk.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 8751
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: March 08, 1934
    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: 109 South Locust Street, Winfield, IA 52659
    County: Henry
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Cedar Rapids
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $26.2 mil
    Equity capital: $2.7 mil
    Deposits held in domestic offices: $23.3 mil
    Return on assets (ROA): 0.72% ($0.2 mil)
    Quarterly return on assets: 0.05% ($0.0 mil)
    Return on Equity (ROE): 7.47% ($0.2 mil)
    Quarterly return on equity: 0.44% ($0.0 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.76% ($199.2 mil)
    Quarterly Pretax return on assets: 0.06% ($15.7 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
  • 6Total employees (full-time equivalent)
  • $26,213Total assets
  • $919Cash and due from depository institutions
  • $0Interest-bearing balances
  • $13,165Securities
  • $625Federal funds sold & reverse repurchase agreements
  • $10,381Net loans & leases
  • $138Loan loss allowance
  • $0Trading account assets
  • $674Bank premises and fixed assets
  • $156Other real estate owned
  • $0Goodwill and other intangibles
  • $26,213Life insurance assets
  • $293All other assets
  • $23,501Total liabilities and capital
  • $23,321Total liabilities
  • $19,885Total deposits
  • $23,321Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $180Subordinated debt
  • $2,712All other liabilities
  • $2,712Total equity capital
  • $2,712Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $800Surplus
  • $1,712Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $541Income earned, not collected on loans
  • $0Earning assets
  • $200Long-term assets (5+ years)
  • $24,171Average Assets, year-to-date
  • $13,735Average Assets, quarterly
  • $25,683Volatile liabilities
  • $26,025Insider loans
  • $12,217FHLB advances
  • $26,040Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,405Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19Restructured Loans and leases
  • $255Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,097Total interest income
  • $281Total interest expense
  • $816Net interest income
  • -$15Provision for loan and lease losses
  • $61Total noninterest income
  • $0Fiduciary activities
  • $74Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$13Additional noninterest income
  • $781Total noninterest expense
  • $391Salaries and employee benefits
  • $162Premises and equipment expense
  • $228Additional noninterest expense
  • $111Pre-tax net operating income
  • $84Securities gains (losses)
  • $10Applicable income taxes
  • $185Income before extraordinary items
  • $0Extraordinary gains - net
  • $185Net income attributable to bank
  • $0Net charge-offs
  • $185Cash dividends
  • -$31Sale, conversion, retirement of capital stock, net
  • $70Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.44%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 0.76%Pretax return on assets
  • 7.47%Return on equity (ROE)
  • 4.65%Retained earnings to average equity (YTD only)
  • -0.30%Net charge-offs to loans
  • 48.39%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 89,054Assets per employee
  • 4.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.84%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 25.51%Noncurrent assets plus other real estate owned to assets
  • 2.66%Noncurrent loans to loans
  • 5.14%Net loans and leases to deposits
  • 44.51%Net loans and leases to core deposits
  • 44.51%Equity capital to assets
  • 10.35%Core capital (leverage) ratio
  • 9.24%Tier 1 risk-based capital ratio
  • 19.69%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $25,683Average earning assets
  • $2,476Average equity
  • $23,699Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08751Peoples State Bank109 South Locust Street, Winfield, IA 52659January 01, 1934Full Service Brick and Mortar

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