The Peoples Bank in Brownstown, Indiana (IN)

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The Peoples Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)51
Total assets$155,806
Cash and due from depository institutions$10,444
Interest-bearing balances$8,487
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$71,671
Loan loss allowance $908
Trading account assets$0
Bank premises and fixed assets$1,524
Other real estate owned$335
Goodwill and other intangibles$0
All other assets$1,866
Life insurance assets$155,806
Total liabilities and capital$139,771
Total liabilities$138,822
Total deposits$117,642
Interest-bearing deposits$138,822
Deposits held in domestic offices$72
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $949
All other liabilities $16,035
Total equity capital$16,035
Total bank equity capital$16,035
Perpetual preferred stock$0
Common stock$100
Undivided profits $13,610
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,413
Earning assets $0
Long-term assets (5+ years) $1,014
Average Assets, year-to-date $150,124
Average Assets, quarterly $77,199
Volatile liabilities $142,936
Insider loans $151,643
FHLB advances $78,288
Loans and leases held for sale $157,797
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $15,153
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,181
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,576
Total interest expense $876
Net interest income $4,700
Provision for loan and lease losses $235
Total noninterest income $600
Fiduciary activities $57
Service charges on deposit accounts $234
Trading account gains & fees $0
Additional noninterest income $309
Total noninterest expense $3,601
Salaries and employee benefits $2,187
Premises and equipment expense $361
Additional noninterest expense $1,053
Pre-tax net operating income $1,464
Securities gains (losses) $15
Applicable income taxes $255
Income before extraordinary items $1,224
Extraordinary gains - net $0
Net income attributable to bank $1,224
Net charge-offs $0
Cash dividends $1,224
Sale, conversion, retirement of capital stock, net $176
Net operating income $469
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.20%
Cost of funding earning assets 0.66%
Net interest margin 3.54%
Noninterest income to earning assets 0.45%
Noninterest expense to earning assets 2.71%
Net operating income to assets 0.85%
Return on assets (ROA) 0.86%
Pretax return on assets 1.03%
Return on equity (ROE) 7.96%
Retained earnings to average equity (YTD only) 4.91%
Net charge-offs to loans 0.25%
Credit loss provision to net charge-offs 133.52%
Efficiency ratio9.65%
Assets per employee$67,943
Cash dividends to net income (YTD only)3.06%
Condition Ratios (%)
Loss allowance to loans 38.32%
Loss allowance to noncurrent loans 1.25%
Noncurrent assets plus other real estate owned to assets 64.26%
Noncurrent loans to loans 1.12%
Net loans and leases to deposits1.95%
Net loans and leases to core deposits 51.63%
Equity capital to assets 55.05%
Core capital (leverage) ratio 10.29%
Tier 1 risk-based capital ratio 9.60%
Total risk-based capital ratio 19.36%
Average assets$21
Average earning assets$142,936
Average equity $15,380
Average loans $132,788
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$10,735
Number of Accounts1
Personal trust and agency accounts$7,653
Employee benefit-defined contribution accounts$4,503
Employee benefit-defined benefit accounts$0
Other retirement accounts$2,392
Corporate trust and agency accounts$0
Investment management agency accounts$758
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts59
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$3,082
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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