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


Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 26911
    Status: Active
    Federal Reserve ID: 173548
    Bank Holding Company (Regulatory Top Holder): Peoples Tri-County Bancorporation (RSSDID: 1141469, Location: Albia, IA)
    Date Established: Febuary 19, 1987
    WWW: http://www.peoplesbankalbia.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15657
    FDIC's unique #: 36276
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: Febuary 19, 1987
    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: 102 South Main, Albia, IA 52531
    County: Monroe
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Des Moines
    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: $84.3 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $68.1 mil
    Return on assets (ROA): 1.09% ($0.9 mil)
    Quarterly return on assets: 1.00% ($0.8 mil)
    Return on Equity (ROE): 8.38% ($1.0 mil)
    Quarterly return on equity: 7.42% ($0.9 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.14% ($961.2 mil)
    Quarterly Pretax return on assets: 1.05% ($885.3 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
  • 20Total employees (full-time equivalent)
  • $84,312Total assets
  • $2,644Cash and due from depository institutions
  • $5Interest-bearing balances
  • $35,925Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,953Net loans & leases
  • $574Loan loss allowance
  • $0Trading account assets
  • $1,154Bank premises and fixed assets
  • $80Other real estate owned
  • $0Goodwill and other intangibles
  • $84,312Life insurance assets
  • $2,556All other assets
  • $72,772Total liabilities and capital
  • $68,075Total liabilities
  • $57,652Total deposits
  • $68,075Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 187.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $510Subordinated debt
  • $11,540All other liabilities
  • $11,540Total equity capital
  • $11,540Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $1,000Surplus
  • $9,540Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $32Income earned, not collected on loans
  • $0Earning assets
  • $799Long-term assets (5+ years)
  • $77,883Average Assets, year-to-date
  • $32,247Average Assets, quarterly
  • $83,622Volatile liabilities
  • $85,644Insider loans
  • $48,466FHLB advances
  • $84,863Loans and leases held for sale
  • $1,024Unused loan commitments
  • $1,024Tier 1 (core) risk-based capital
  • $10,331Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,467Restructured Loans and leases
  • $3,579Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,066Total interest income
  • $1,238Total interest expense
  • $2,828Net interest income
  • $120Provision for loan and lease losses
  • $542Total noninterest income
  • $0Fiduciary activities
  • $322Service charges on deposit accounts
  • $0Trading account gains & fees
  • $220Additional noninterest income
  • $2,308Total noninterest expense
  • $1,433Salaries and employee benefits
  • $227Premises and equipment expense
  • $648Additional noninterest expense
  • $942Pre-tax net operating income
  • $13Securities gains (losses)
  • $44Applicable income taxes
  • $911Income before extraordinary items
  • $0Extraordinary gains - net
  • $911Net income attributable to bank
  • $0Net charge-offs
  • $911Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.28%Yield on earning assets
  • 1.61%Cost of funding earning assets
  • 3.67%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 8.38%Return on equity (ROE)
  • 7.00%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 4000.00%Credit loss provision to net charge-offs
  • 354.00%Efficiency ratio
  • 68,487Assets per employee
  • 4.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.47%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 1793.75%Noncurrent assets plus other real estate owned to assets
  • 0.13%Noncurrent loans to loans
  • 0.08%Net loans and leases to deposits
  • 61.63%Net loans and leases to core deposits
  • 76.59%Equity capital to assets
  • 13.69%Core capital (leverage) ratio
  • 12.17%Tier 1 risk-based capital ratio
  • 21.32%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $83,622Average earning assets
  • $10,877Average equity
  • $77,051Average loans

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    036276Peoples State Bank102 South Main, Albia, IA 52531Febuary 19, 1987Full Service Brick and Mortar

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