FDIC Certificate #: 10075 Status: Active Federal Reserve ID: 33839 Bank Holding Company (Regulatory Top Holder): Peoples Financial Corporation (RSSDID: 2128896, Location: Colfax, IL) Date Established: June 01, 1892 WWW:http://www.psbofcolfax.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) FDIC's unique #: 6443 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: No Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 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: 101 West Main Street, Colfax, IL 61728 County: Mclean Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Champaign Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central Metropolitan Statistical Area (MSA): Bloomington-Normal, IL (#1040) Core Based Statistical Area (CBSA): Bloomington-Normal, IL (#14060) CBSA Metro Statistical Area: Bloomington-Normal, IL (#14060)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $31.6 mil Equity capital: $3.5 mil Deposits held in domestic offices: $26.8 mil Return on assets (ROA): 1.14% ($0.4 mil) Quarterly return on assets: 0.98% ($0.3 mil) Return on Equity (ROE): 10.84% ($0.4 mil) Quarterly return on equity: 9.16% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.60% ($505.7 mil) Quarterly Pretax return on assets: 1.34% ($423.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$31,608Total assets
$7,928Cash and due from depository institutions
$7,218Interest-bearing balances
$7,405Securities
$0Federal funds sold & reverse repurchase agreements
$15,729Net loans & leases
$89Loan loss allowance
$0Trading account assets
$151Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$31,608Life insurance assets
$395All other assets
$28,100Total liabilities and capital
$26,808Total liabilities
$22,522Total deposits
$26,808Interest-bearing deposits
$97Deposits held in domestic offices
1155.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$137Subordinated debt
$3,508All other liabilities
$3,508Total equity capital
$3,508Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$550Surplus
$2,758Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$182Long-term assets (5+ years)
$30,352Average Assets, year-to-date
$5,219Average Assets, quarterly
$31,617Volatile liabilities
$32,549Insider loans
$16,743FHLB advances
$32,212Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,383Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,071Restructured Loans and leases
$141Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,325Total interest income
$186Total interest expense
$1,139Net interest income
$19Provision for loan and lease losses
$153Total noninterest income
$0Fiduciary activities
$52Service charges on deposit accounts
$0Trading account gains & fees
$101Additional noninterest income
$769Total noninterest expense
$434Salaries and employee benefits
$68Premises and equipment expense
$267Additional noninterest expense
$504Pre-tax net operating income
$2Securities gains (losses)
$147Applicable income taxes
$359Income before extraordinary items
$0Extraordinary gains - net
$359Net income attributable to bank
$0Net charge-offs
$359Cash dividends
$7Sale, conversion, retirement of capital stock, net
$58Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.52%Yield on earning assets
0.63%Cost of funding earning assets
3.88%Net interest margin
0.52%Noninterest income to earning assets
2.62%Noninterest expense to earning assets
1.13%Net operating income to assets
1.14%Return on assets (ROA)
1.60%Pretax return on assets
10.84%Return on equity (ROE)
9.09%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
271.43%Credit loss provision to net charge-offs
74.71%Efficiency ratio
59,520Assets per employee
3.95%Cash dividends to net income (YTD only)
Condition Ratios (%)
16.16%Loss allowance to loans
0.56%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
58.67%Net loans and leases to core deposits
58.67%Equity capital to assets
11.10%Core capital (leverage) ratio
10.50%Tier 1 risk-based capital ratio
20.21%Total risk-based capital ratio
Memoranda
$21Average assets
$31,617Average earning assets
$3,311Average equity
$29,331Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
6443
Peoples State Bank Of Colfax
101 West Main Street, Colfax, IL 61728
June 01, 1892
Full Service Brick and Mortar
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