Peru Federal Savings Bank in Peru, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peru Federal Savings Bank in Peru, Illinois (IL)
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Peru Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29384
    Status: Active
    Federal Reserve ID: 305077
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3367
    FDIC's unique #: 42218
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 14, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1730 Fourth Street, Peru, IL 61354
    County: La Salle
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Ottawa-Streator, IL (#36860)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $139.2 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $123.8 mil
    Return on assets (ROA): 0.56% ($0.8 mil)
    Quarterly return on assets: 0.79% ($1.1 mil)
    Return on Equity (ROE): 5.42% ($0.8 mil)
    Quarterly return on equity: 7.54% ($1.1 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.75% ($1,043.7 mil)
    Quarterly Pretax return on assets: 1.02% ($1,419.4 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
  • 26Total employees (full-time equivalent)
  • $139,160Total assets
  • $11,097Cash and due from depository institutions
  • $8,838Interest-bearing balances
  • $53,172Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $66,973Net loans & leases
  • $300Loan loss allowance
  • $0Trading account assets
  • $2,986Bank premises and fixed assets
  • $657Other real estate owned
  • $85Goodwill and other intangibles
  • $139,160Life insurance assets
  • $4,190All other assets
  • $124,436Total liabilities and capital
  • $123,836Total liabilities
  • $118,712Total deposits
  • $123,836Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $600Subordinated debt
  • $14,724All other liabilities
  • $14,724Total equity capital
  • $14,724Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $14,724Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,379Income earned, not collected on loans
  • $0Earning assets
  • $484Long-term assets (5+ years)
  • $128,983Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $137,036Volatile liabilities
  • $138,791Insider loans
  • $65,501FHLB advances
  • $139,010Loans and leases held for sale
  • $1,936Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,574Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $812Restructured Loans and leases
  • $1,281Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,991Total interest income
  • $1,789Total interest expense
  • $3,202Net interest income
  • $87Provision for loan and lease losses
  • $694Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $694Additional noninterest income
  • $2,788Total noninterest expense
  • $1,339Salaries and employee benefits
  • $325Premises and equipment expense
  • $1,124Additional noninterest expense
  • $1,021Pre-tax net operating income
  • $9Securities gains (losses)
  • $257Applicable income taxes
  • $773Income before extraordinary items
  • $0Extraordinary gains - net
  • $773Net income attributable to bank
  • $0Net charge-offs
  • $773Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.90%Yield on earning assets
  • 1.40%Cost of funding earning assets
  • 2.50%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 0.56%Net operating income to assets
  • 0.56%Return on assets (ROA)
  • 0.75%Pretax return on assets
  • 5.42%Return on equity (ROE)
  • 5.42%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 669.23%Credit loss provision to net charge-offs
  • 85.23%Efficiency ratio
  • 71,561Assets per employee
  • 5.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.45%Loss allowance to noncurrent loans
  • 21.75%Noncurrent assets plus other real estate owned to assets
  • 1.46%Noncurrent loans to loans
  • 2.05%Net loans and leases to deposits
  • 54.08%Net loans and leases to core deposits
  • 54.94%Equity capital to assets
  • 10.58%Core capital (leverage) ratio
  • 10.48%Tier 1 risk-based capital ratio
  • 22.25%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $137,036Average earning assets
  • $14,260Average equity
  • $127,856Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042218Peru Federal Savings Bank1730 Fourth Street, Peru, IL 61354January 01, 1887Full Service Brick and Mortar
    1274857914 Shooting Park Rd Branch914 Shooting Park Road, Peru, IL 61354January 01, 1887Full Service Brick and Mortar

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