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


  • The Peoples State Bank in Ellettsville, Indiana (IN)
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The Peoples State Bank - Overview

  • General
  • FDIC Certificate #: 14113
    Status: Active
    Federal Reserve ID: 454546
    Bank Holding Company (Regulatory Top Holder): Ellettsville Bancshares, Inc. (RSSDID: 1206676, Location: Ellettsville, IN)
    Date Established: January 01, 1904
    WWW: http://www.peoples-bank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 12247
    FDIC's unique #: 8819
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 26, 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: 601 East Temperance Street, Ellettsville, IN 47429
    County: Monroe
    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
    Metropolitan Statistical Area (MSA): Bloomington, IN (#1020)
    Core Based Statistical Area (CBSA): Bloomington, IN (#14020)
    CBSA Metro Statistical Area: Bloomington, IN (#14020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $177.0 mil
    Equity capital: $18.1 mil
    Deposits held in domestic offices: $155.7 mil
    Return on assets (ROA): 0.89% ($1.6 mil)
    Quarterly return on assets: 0.79% ($1.4 mil)
    Return on Equity (ROE): 9.35% ($1.7 mil)
    Quarterly return on equity: 7.89% ($1.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.89% ($1,575.4 mil)
    Quarterly Pretax return on assets: 0.79% ($1,398.4 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
  • 87Total employees (full-time equivalent)
  • $177,016Total assets
  • $11,523Cash and due from depository institutions
  • $6,074Interest-bearing balances
  • $59,240Securities
  • $49Federal funds sold & reverse repurchase agreements
  • $93,574Net loans & leases
  • $2,162Loan loss allowance
  • $0Trading account assets
  • $3,590Bank premises and fixed assets
  • $4,317Other real estate owned
  • $2,054Goodwill and other intangibles
  • $177,016Life insurance assets
  • $2,669All other assets
  • $158,932Total liabilities and capital
  • $155,746Total liabilities
  • $127,381Total deposits
  • $155,746Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 2526.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $660Subordinated debt
  • $18,084All other liabilities
  • $18,084Total equity capital
  • $18,084Total bank equity capital
  • $0Perpetual preferred stock
  • $238Common stock
  • $9,900Surplus
  • $7,946Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,052Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,737Income earned, not collected on loans
  • $0Earning assets
  • $756Long-term assets (5+ years)
  • $158,937Average Assets, year-to-date
  • $89,069Average Assets, quarterly
  • $177,595Volatile liabilities
  • $179,766Insider loans
  • $129,014FHLB advances
  • $182,529Loans and leases held for sale
  • $627Unused loan commitments
  • $627Tier 1 (core) risk-based capital
  • $18,263Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,139Restructured Loans and leases
  • $934Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,773Total interest income
  • $1,594Total interest expense
  • $7,179Net interest income
  • $175Provision for loan and lease losses
  • $2,122Total noninterest income
  • $6Fiduciary activities
  • $547Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,569Additional noninterest income
  • $7,545Total noninterest expense
  • $3,896Salaries and employee benefits
  • $727Premises and equipment expense
  • $2,922Additional noninterest expense
  • $1,581Pre-tax net operating income
  • $5Securities gains (losses)
  • $0Applicable income taxes
  • $1,586Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,586Net income attributable to bank
  • $0Net charge-offs
  • $1,586Cash dividends
  • $217Sale, conversion, retirement of capital stock, net
  • $157Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.48%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 4.71%Noninterest expense to earning assets
  • 0.89%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.89%Pretax return on assets
  • 9.35%Return on equity (ROE)
  • 8.42%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 80.65%Credit loss provision to net charge-offs
  • 8.09%Efficiency ratio
  • 81,120Assets per employee
  • 2.03%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 9.90%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 124.47%Noncurrent assets plus other real estate owned to assets
  • 3.42%Noncurrent loans to loans
  • 1.81%Net loans and leases to deposits
  • 60.08%Net loans and leases to core deposits
  • 60.79%Equity capital to assets
  • 10.22%Core capital (leverage) ratio
  • 10.01%Tier 1 risk-based capital ratio
  • 14.16%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $177,595Average earning assets
  • $16,966Average equity
  • $160,241Average 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
  • $2,324Managed Assets
  • 1Number of Accounts
  • $2,324Personal trust and agency accounts
  • $621Employee benefit-defined contribution accounts
  • $1,701Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 81Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08819The Peoples State Bank601 East Temperance Street, Ellettsville, IN 47429January 01, 1904Full Service Brick and Mortar
    1230961North Bloomington Branch202 West 17th Street, Bloomington, IN 47401August 16, 1971Full Service Brick and Mortar
    2230962South Bloomington Branch301 East Winslow Road, Bloomington, IN 47401Febuary 20, 1985Full Service Brick and Mortar
    3230963Spencer Branch304 Morgan Street, Spencer, IN 47460December 22, 1987Full Service Brick and Mortar
    4230964Kirkwood Branch200 Kirkwood, Bloomington, IN 47401August 03, 1987Full Service Brick and Mortar
    5230965Morgantown Branch289 South Marion Street, Morgantown, IN 46160May 10, 1993Full Service Brick and Mortar
    6230966Paragon BranchState Road 67, Rr #1, Paragon, IN 46166Febuary 25, 1997Full Service Brick and Mortar
    7340845College Mall Branch525 Clarizz Blvd., Bloomington, IN 47408March 13, 2000Full Service Brick and Mortar
    8357208West Bloomington Branch3400 West Third Street, Bloomington, IN 47404May 03, 2000Full Service Brick and Mortar
    944227Brown County BranchSalt Creek Plaza, Nashville, IN 47448January 01, 1962Full Service Brick and Mortar
    10470394Messenger Service601 East Temperance Street, Ellettsville, IN 47429January 02, 2008Limited Service Messenger

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