The Peoples Bank in Brownstown, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples Bank - Overview

  • General
  • FDIC Certificate #: 5779
    Status: Active
    Federal Reserve ID: 7045
    Bank Holding Company (Regulatory Top Holder): Tpb Bancorp (RSSDID: 1130409, Location: Brownstown, IN)
    Date Established: January 01, 1934
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 3941
    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: All Other Specialization < 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: 100 North Main Street, Brownstown, IN 47220
    County: Jackson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Seymour, IN (#42980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $155.8 mil
    Equity capital: $16.0 mil
    Deposits held in domestic offices: $138.8 mil
    Return on assets (ROA): 0.86% ($1.3 mil)
    Quarterly return on assets: 0.98% ($1.5 mil)
    Return on Equity (ROE): 7.96% ($1.3 mil)
    Quarterly return on equity: 9.29% ($1.5 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.03% ($1,604.8 mil)
    Quarterly Pretax return on assets: 1.25% ($1,947.6 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
  • 51Total employees (full-time equivalent)
  • $155,806Total assets
  • $10,444Cash and due from depository institutions
  • $8,487Interest-bearing balances
  • $69,966Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $71,671Net loans & leases
  • $908Loan loss allowance
  • $0Trading account assets
  • $1,524Bank premises and fixed assets
  • $335Other real estate owned
  • $0Goodwill and other intangibles
  • $155,806Life insurance assets
  • $1,866All other assets
  • $139,771Total liabilities and capital
  • $138,822Total liabilities
  • $117,642Total deposits
  • $138,822Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $949Subordinated debt
  • $16,035All other liabilities
  • $16,035Total equity capital
  • $16,035Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $2,325Surplus
  • $13,610Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,413Income earned, not collected on loans
  • $0Earning assets
  • $1,014Long-term assets (5+ years)
  • $150,124Average Assets, year-to-date
  • $77,199Average Assets, quarterly
  • $142,936Volatile liabilities
  • $151,643Insider loans
  • $78,288FHLB advances
  • $157,797Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,153Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,181Restructured Loans and leases
  • $2,278Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,576Total interest income
  • $876Total interest expense
  • $4,700Net interest income
  • $235Provision for loan and lease losses
  • $600Total noninterest income
  • $57Fiduciary activities
  • $234Service charges on deposit accounts
  • $0Trading account gains & fees
  • $309Additional noninterest income
  • $3,601Total noninterest expense
  • $2,187Salaries and employee benefits
  • $361Premises and equipment expense
  • $1,053Additional noninterest expense
  • $1,464Pre-tax net operating income
  • $15Securities gains (losses)
  • $255Applicable income taxes
  • $1,224Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,224Net income attributable to bank
  • $0Net charge-offs
  • $1,224Cash dividends
  • $176Sale, conversion, retirement of capital stock, net
  • $469Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.20%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 7.96%Return on equity (ROE)
  • 4.91%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 133.52%Credit loss provision to net charge-offs
  • 9.65%Efficiency ratio
  • 67,943Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 38.32%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 64.26%Noncurrent assets plus other real estate owned to assets
  • 1.12%Noncurrent loans to loans
  • 1.95%Net loans and leases to deposits
  • 51.63%Net loans and leases to core deposits
  • 55.05%Equity capital to assets
  • 10.29%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 19.36%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $142,936Average earning assets
  • $15,380Average equity
  • $132,788Average 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
  • $10,735Managed Assets
  • 1Number of Accounts
  • $7,653Personal trust and agency accounts
  • $4,503Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,392Other retirement accounts
  • $0Corporate trust and agency accounts
  • $758Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 59Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,082Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03941The Peoples Bank100 North Main Street, Brownstown, IN 47220January 01, 1934Full Service Brick and Mortar
    1208150Crothersville Branch300 North Armstrong Street, Crothersville, IN 47229December 07, 1936Full Service Brick and Mortar
    2208151Seymour Westside Branch302 South Airport Road, Seymour, IN 47274April 21, 1977Full Service Brick and Mortar
    3208152East Tipton Street Branch1425 East Tipton Street, Seymour, IN 47274December 17, 1987Full Service Brick and Mortar

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