The Peoples State Bank in Ellettsville, Indiana (IN)



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The Peoples State Bank routing number info

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The Peoples State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)87
Total assets$177,016
Cash and due from depository institutions$11,523
Interest-bearing balances$6,074
Securities$59,240
Federal funds sold & reverse repurchase agreements$49
Net loans & leases$93,574
Loan loss allowance $2,162
Trading account assets$0
Bank premises and fixed assets$3,590
Other real estate owned$4,317
Goodwill and other intangibles$2,054
All other assets$2,669
Life insurance assets$177,016
Total liabilities and capital$158,932
Total liabilities$155,746
Total deposits$127,381
Interest-bearing deposits$155,746
Deposits held in domestic offices$94
% insured (estimated)2526.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $660
All other liabilities $18,084
Total equity capital$18,084
Total bank equity capital$18,084
Perpetual preferred stock$0
Common stock$238
Surplus$9,900
Undivided profits $7,946
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,052
Income earned, not collected on loans $1,737
Earning assets $0
Long-term assets (5+ years) $756
Average Assets, year-to-date $158,937
Average Assets, quarterly $89,069
Volatile liabilities $177,595
Insider loans $179,766
FHLB advances $129,014
Loans and leases held for sale $182,529
Unused loan commitments $627
Tier 1 (core) risk-based capital $627
Tier 2 risk-based capital $18,263
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,139
Derivatives$934
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,773
Total interest expense $1,594
Net interest income $7,179
Provision for loan and lease losses $175
Total noninterest income $2,122
Fiduciary activities $6
Service charges on deposit accounts $547
Trading account gains & fees $0
Additional noninterest income $1,569
Total noninterest expense $7,545
Salaries and employee benefits $3,896
Premises and equipment expense $727
Additional noninterest expense $2,922
Pre-tax net operating income $1,581
Securities gains (losses) $5
Applicable income taxes $0
Income before extraordinary items $1,586
Extraordinary gains - net $0
Net income attributable to bank $1,586
Net charge-offs $0
Cash dividends $1,586
Sale, conversion, retirement of capital stock, net $217
Net operating income $157
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.47%
Cost of funding earning assets 0.99%
Net interest margin 4.48%
Noninterest income to earning assets 1.32%
Noninterest expense to earning assets 4.71%
Net operating income to assets 0.89%
Return on assets (ROA) 0.89%
Pretax return on assets 0.89%
Return on equity (ROE) 9.35%
Retained earnings to average equity (YTD only) 8.42%
Net charge-offs to loans 0.22%
Credit loss provision to net charge-offs 80.65%
Efficiency ratio8.09%
Assets per employee$81,120
Cash dividends to net income (YTD only)2.03%
Condition Ratios (%)
Loss allowance to loans 9.90%
Loss allowance to noncurrent loans 2.26%
Noncurrent assets plus other real estate owned to assets 124.47%
Noncurrent loans to loans 3.42%
Net loans and leases to deposits1.81%
Net loans and leases to core deposits 60.08%
Equity capital to assets 60.79%
Core capital (leverage) ratio 10.22%
Tier 1 risk-based capital ratio 10.01%
Total risk-based capital ratio 14.16%
Memoranda
Average assets$15
Average earning assets$177,595
Average equity $16,966
Average loans $160,241
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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$2,324
Number of Accounts1
Personal trust and agency accounts$2,324
Employee benefit-defined contribution accounts$621
Employee benefit-defined benefit accounts$1,701
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$2
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts81
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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