The Peoples' Bank of Arlington Heights in Arlington Heights, Illinois (IL)

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The Peoples' Bank of Arlington Heights
GeneralFDIC Certificate #: 35195
Status: Active
Federal Reserve ID: 2813491
Bank Holding Company (Regulatory Top Holder): Peoples Bancorp, Inc. (RSSDID: 2813503, Location: Arlington Heights, IL)
Date Established: October 12, 1999
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 76160
Numeric code: 13
Regulator: FED
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: Commercial Lending Specialization
Date of Deposit Insurance: October 12, 1999
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: 10 South Vail Street, Arlington Heights, IL 60005
County: Cook
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Chicago
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $114.2 mil
Equity capital: $11.6 mil
Deposits held in domestic offices: $102.3 mil
Return on assets (ROA): 0.52% ($0.6 mil)
Quarterly return on assets: 0.73% ($0.8 mil)
Return on Equity (ROE): 5.55% ($0.7 mil)
Quarterly return on equity: 7.35% ($0.9 mil)
Net income: $0.6 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.80% ($913.8 mil)
Quarterly Pretax return on assets: 1.15% ($1,313.6 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)16
Total assets$114,222
Cash and due from depository institutions$4,675
Interest-bearing balances$3,829
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$69,960
Loan loss allowance $1,982
Trading account assets$0
Bank premises and fixed assets$4,667
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,509
Life insurance assets$114,222
Total liabilities and capital$102,630
Total liabilities$102,318
Total deposits$87,376
Interest-bearing deposits$102,318
Deposits held in domestic offices$95
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $312
All other liabilities $11,592
Total equity capital$11,592
Total bank equity capital$11,592
Perpetual preferred stock$0
Common stock$118
Undivided profits $2,440
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 $6,051
Earning assets $0
Long-term assets (5+ years) $317
Average Assets, year-to-date $107,200
Average Assets, quarterly $16,316
Volatile liabilities $118,981
Insider loans $115,652
FHLB advances $79,200
Loans and leases held for sale $115,910
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,124
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,922
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,897
Total interest expense $1,082
Net interest income $3,815
Provision for loan and lease losses $520
Total noninterest income $161
Fiduciary activities $0
Service charges on deposit accounts $110
Trading account gains & fees $0
Additional noninterest income $51
Total noninterest expense $2,905
Salaries and employee benefits $1,330
Premises and equipment expense $429
Additional noninterest expense $1,146
Pre-tax net operating income $551
Securities gains (losses) $399
Applicable income taxes $336
Income before extraordinary items $614
Extraordinary gains - net $0
Net income attributable to bank $614
Net charge-offs $0
Cash dividends $614
Sale, conversion, retirement of capital stock, net $93
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.38%
Cost of funding earning assets 0.97%
Net interest margin 3.41%
Noninterest income to earning assets 0.14%
Noninterest expense to earning assets 2.60%
Net operating income to assets 0.30%
Return on assets (ROA) 0.52%
Pretax return on assets 0.80%
Return on equity (ROE) 5.55%
Retained earnings to average equity (YTD only) 5.55%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 559.14%
Efficiency ratio11.52%
Assets per employee$73,063
Cash dividends to net income (YTD only)7.14%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.75%
Noncurrent assets plus other real estate owned to assets 32.75%
Noncurrent loans to loans 5.30%
Net loans and leases to deposits8.41%
Net loans and leases to core deposits 68.38%
Equity capital to assets 69.91%
Core capital (leverage) ratio 10.15%
Tier 1 risk-based capital ratio 9.60%
Total risk-based capital ratio 14.05%
Average assets$15
Average earning assets$118,981
Average equity $11,065
Average loans $111,725
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2 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
076160The Peoples' Bank Of Arlington Heigh10 South Vail Street, Arlington Heights, IL 60005October 12, 1999Full Service Brick and Mortar
14788511104 S Arlington Hts Rd Branch1104 South Arlington Heights Rd, Arlington Heights, IL 60005June 02, 2008Full Service Brick and Mortar
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