The Peoples Bank in Aberdeen, South Dakota (SD)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 02, 2001

  • The Peoples Bank in Aberdeen, South Dakota (SD)
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The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 483
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Plains Commerce Bank (#1678)
    Federal Reserve ID: 402051
    Date Established: January 01, 1926
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 350
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 02, 2001
    Last Structure Change Process Date: January 26, 2001
    Last Data Update: January 26, 2001
    Data Source Date: April 05, 2012
  • Location
  • Address: 524 South Dakota Street, Aberdeen, SD 57401
    County: Brown
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Sioux Falls
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Aberdeen, SD (#10100)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $53.4 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 21Total employees (full-time equivalent)
  • $53,370Total assets
  • $1,589Cash and due from depository institutions
  • $486Interest-bearing balances
  • $5,475Securities
  • $4,870Federal funds sold & reverse repurchase agreements
  • $38,000Net loans & leases
  • $366Loan loss allowance
  • $0Trading account assets
  • $2,178Bank premises and fixed assets
  • $253Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,005All other assets
  • $53,370Total liabilities and capital
  • $49,137Total liabilities
  • $48,358Total deposits
  • $43,595Interest-bearing deposits
  • $48,358Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $779All other liabilities
  • $4,233Total equity capital
  • $4,233Total bank equity capital
  • $4,233Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $3,300Undivided profits
  • Memoranda
  • $733Noncurrent loans and leases
  • $4,968Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $884Average Assets, year-to-date
  • $48,831Average Assets, quarterly
  • $1,482Volatile liabilities
  • $50,737Insider loans
  • $52,695FHLB advances
  • $3,054Loans and leases held for sale
  • $340Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,968Total unused commitments
  • $0Restructured Loans and leases
  • $366Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $4,180Total interest income
  • $2,221Total interest expense
  • $1,959Net interest income
  • $30Provision for loan and lease losses
  • $329Total noninterest income
  • $0Fiduciary activities
  • $181Service charges on deposit accounts
  • $0Trading account gains & fees
  • $148Additional noninterest income
  • $1,439Total noninterest expense
  • $961Salaries and employee benefits
  • $222Premises and equipment expense
  • $256Additional noninterest expense
  • $819Pre-tax net operating income
  • $0Securities gains (losses)
  • $37Applicable income taxes
  • $782Income before extraordinary items
  • $0Extraordinary gains - net
  • $782Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $13Sale, conversion, retirement of capital stock, net
  • $414Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.08%Yield on earning assets
  • 4.82%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.61%Pretax return on assets
  • 19.41%Return on equity (ROE)
  • 9.14%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 230.77%Credit loss provision to net charge-offs
  • 65.31%Efficiency ratio
  • 62,893Assets per employee
  • 2.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.94%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 78.58%Net loans and leases to core deposits
  • 83.88%Equity capital to assets
  • 7.93%Core capital (leverage) ratio
  • 7.98%Tier 1 risk-based capital ratio
  • 10.10%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $50,737Average earning assets
  • $4,028Average equity
  • $46,048Average loans

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