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


Peoples Trust and Savings Bank - Overview

  • General
  • FDIC Certificate #: 11351
    Status: Active
    Federal Reserve ID: 591740
    Bank Holding Company (Regulatory Top Holder): Country Bancorporation (RSSDID: 1203910, Location: Crawfordsville, IA)
    Date Established: March 20, 1928
    WWW: http://www.riverside-bank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 7252
    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: No
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    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: 90 East Railroad Street, Riverside, IA 52327
    County: Washington
    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
    Core Based Statistical Area (CBSA): Iowa City, IA (#26980)
    CBSA Metro Statistical Area: Iowa City, IA (#26980)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $23.9 mil
    Equity capital: $2.1 mil
    Deposits held in domestic offices: $21.4 mil
    Return on assets (ROA): 1.20% ($0.3 mil)
    Quarterly return on assets: 0.99% ($0.2 mil)
    Return on Equity (ROE): 14.30% ($0.3 mil)
    Quarterly return on equity: 11.13% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.60% ($382.5 mil)
    Quarterly Pretax return on assets: 1.29% ($308.4 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
  • 4Total employees (full-time equivalent)
  • $23,908Total assets
  • $4,403Cash and due from depository institutions
  • $3,985Interest-bearing balances
  • $12,428Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $6,670Net loans & leases
  • $82Loan loss allowance
  • $0Trading account assets
  • $176Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $23,908Life insurance assets
  • $231All other assets
  • $21,777Total liabilities and capital
  • $21,391Total liabilities
  • $13,135Total deposits
  • $21,391Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 225.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $161Subordinated debt
  • $2,131All other liabilities
  • $2,131Total equity capital
  • $2,131Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $500Surplus
  • $1,581Undivided 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
  • $171Long-term assets (5+ years)
  • $23,083Average Assets, year-to-date
  • $10,001Average Assets, quarterly
  • $24,317Volatile liabilities
  • $23,932Insider loans
  • $12,043FHLB advances
  • $24,524Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,003Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,063Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $943Total interest income
  • $184Total interest expense
  • $759Net interest income
  • $0Provision for loan and lease losses
  • $108Total noninterest income
  • $1Fiduciary activities
  • $85Service charges on deposit accounts
  • $0Trading account gains & fees
  • $22Additional noninterest income
  • $481Total noninterest expense
  • $273Salaries and employee benefits
  • $76Premises and equipment expense
  • $132Additional noninterest expense
  • $386Pre-tax net operating income
  • $2Securities gains (losses)
  • $97Applicable income taxes
  • $291Income before extraordinary items
  • $0Extraordinary gains - net
  • $291Net income attributable to bank
  • $0Net charge-offs
  • $291Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $200Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.01%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.05%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.60%Pretax return on assets
  • 14.30%Return on equity (ROE)
  • 4.47%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 55,479Assets per employee
  • 5.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.73%Loss allowance to loans
  • 1.21%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
  • 31.18%Net loans and leases to core deposits
  • 31.18%Equity capital to assets
  • 8.91%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 16.63%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $24,317Average earning assets
  • $2,034Average equity
  • $23,510Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $399Managed Assets
  • 1Number of Accounts
  • $68Personal trust and agency accounts
  • $68Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 7Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $331Other retirement accounts
  • $12Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $319Fiduciary accounts held in foreign offices

List of branches

  • 1 Iowa Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07252Peoples Trust And Savings Bank90 East Railroad Street, Riverside, IA 52327March 20, 1928Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples Trust and Savings Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents