Peoples Trust & Savings Bank in Clive, Iowa (IA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Trust & Savings Bank in Clive, Iowa (IA)
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Peoples Trust & Savings Bank - Overview

  • General
  • FDIC Certificate #: 14692
    Status: Active
    Federal Reserve ID: 968249
    Bank Holding Company (Regulatory Top Holder): Green Circle Investments, Inc. (RSSDID: 1203862, Location: Clive, IA)
    Date Established: March 17, 1917
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11132
    FDIC's unique #: 9188
    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: August 22, 1934
    Last Structure Change Effective Date: December 03, 2007
    Last Structure Change Process Date: March 24, 2008
    Last Data Update: March 24, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 12701 University Avenue, Clive, IA 50325
    County: Polk
    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
    Metropolitan Statistical Area (MSA): Des Moines, IA (#2120)
    Combined Statistical Area (CSA): Des Moines-Newton-Pella, IA (#218)
    Core Based Statistical Area (CBSA): Des Moines-West Des Moines, IA (#19780)
    CBSA Metro Statistical Area: Des Moines-West Des Moines, IA (#19780)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $265.7 mil
    Equity capital: $24.6 mil
    Deposits held in domestic offices: $224.0 mil
    Return on assets (ROA): 0.28% ($0.7 mil)
    Quarterly return on assets: 0.34% ($0.9 mil)
    Return on Equity (ROE): 2.99% ($0.7 mil)
    Quarterly return on equity: 3.59% ($0.9 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.34% ($903.4 mil)
    Quarterly Pretax return on assets: 0.36% ($956.5 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
  • 72Total employees (full-time equivalent)
  • $265,692Total assets
  • $32,272Cash and due from depository institutions
  • $4,720Interest-bearing balances
  • $59,053Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $156,771Net loans & leases
  • $2,119Loan loss allowance
  • $0Trading account assets
  • $8,186Bank premises and fixed assets
  • $3,681Other real estate owned
  • $1,611Goodwill and other intangibles
  • $265,692Life insurance assets
  • $4,118All other assets
  • $241,063Total liabilities and capital
  • $223,968Total liabilities
  • $196,325Total deposits
  • $223,968Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 8182.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,000Trading liabilities
  • $0Other borrowed funds
  • $913Subordinated debt
  • $24,629All other liabilities
  • $24,629Total equity capital
  • $24,629Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $17,036Surplus
  • $7,393Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $280Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,924Income earned, not collected on loans
  • $298Earning assets
  • $2,386Long-term assets (5+ years)
  • $220,544Average Assets, year-to-date
  • $53,843Average Assets, quarterly
  • $258,738Volatile liabilities
  • $256,221Insider loans
  • $170,109FHLB advances
  • $253,887Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,219Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,565Restructured Loans and leases
  • $2,668Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,570Total interest income
  • $2,380Total interest expense
  • $9,190Net interest income
  • $1,057Provision for loan and lease losses
  • $1,379Total noninterest income
  • $0Fiduciary activities
  • $600Service charges on deposit accounts
  • $0Trading account gains & fees
  • $779Additional noninterest income
  • $8,630Total noninterest expense
  • $4,338Salaries and employee benefits
  • $1,141Premises and equipment expense
  • $3,151Additional noninterest expense
  • $882Pre-tax net operating income
  • $7Securities gains (losses)
  • $173Applicable income taxes
  • $716Income before extraordinary items
  • $0Extraordinary gains - net
  • $716Net income attributable to bank
  • $0Net charge-offs
  • $716Cash dividends
  • $1,534Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.97%Yield on earning assets
  • 1.02%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.59%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.34%Pretax return on assets
  • 2.99%Return on equity (ROE)
  • 2.99%Retained earnings to average equity (YTD only)
  • 0.92%Net charge-offs to loans
  • 68.90%Credit loss provision to net charge-offs
  • 1.26%Efficiency ratio
  • 81,654Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 110.14%Noncurrent assets plus other real estate owned to assets
  • 2.11%Noncurrent loans to loans
  • 1.21%Net loans and leases to deposits
  • 70.00%Net loans and leases to core deposits
  • 81.32%Equity capital to assets
  • 9.27%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 13.06%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $258,738Average earning assets
  • $23,922Average equity
  • $232,673Average loans

List of branches

  • 8 Iowa Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09188Peoples Trust & Savings Bank12701 University Avenue, Clive, IA 50325March 17, 1917Full Service Brick and Mortar
    12973Rippey Branch303 Main Street, Rippey, IA 50235January 01, 1882Full Service Brick and Mortar
    2274217Guthrie Center Branch401 Main Street, Guthrie Center, IA 50115January 01, 1934Full Service Brick and Mortar
    39106Jefferson Branch116 West State Street, Jefferson, IA 50129November 01, 1905Full Service Brick and Mortar
    4231748Scranton Branch1021 Main Street, Scranton, IA 51462June 10, 1985Full Service Brick and Mortar
    5360294Grand Junction Branch205 East Main Street, Grand Junction, IA 50107May 01, 2001Full Service Brick and Mortar
    7451791Waukee Branch1185 Southeast University Avenue, Waukee, IA 50263April 17, 2006Full Service Brick and Mortar
    8473590Adel Branch804 Greenwood Hills Drive, Adel, IA 50003December 03, 2007Full Service Brick and Mortar

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