The Peoples State Bank of Newton, Illinois in Newton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Peoples State Bank of Newton, Illinois - Overview

  • General
  • FDIC Certificate #: 11722
    Status: Active
    Federal Reserve ID: 326344
    Date Established: January 01, 1875
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15973
    FDIC's unique #: 7496
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 22, 2010
    Last Structure Change Process Date: January 29, 2010
    Last Data Update: January 29, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 104 West Washington Street, Newton, IL 62448
    County: Jasper
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $315.3 mil
    Equity capital: $28.9 mil
    Deposits held in domestic offices: $267.8 mil
    Return on assets (ROA): 0.96% ($3.0 mil)
    Quarterly return on assets: 0.45% ($1.4 mil)
    Return on Equity (ROE): 10.72% ($3.1 mil)
    Quarterly return on equity: 4.84% ($1.4 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.43% ($4,508.6 mil)
    Quarterly Pretax return on assets: 0.54% ($1,702.6 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
  • 66Total employees (full-time equivalent)
  • $315,288Total assets
  • $9,477Cash and due from depository institutions
  • $431Interest-bearing balances
  • $105,573Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $186,936Net loans & leases
  • $2,435Loan loss allowance
  • $0Trading account assets
  • $4,759Bank premises and fixed assets
  • $8Other real estate owned
  • $1,654Goodwill and other intangibles
  • $315,288Life insurance assets
  • $6,881All other assets
  • $286,340Total liabilities and capital
  • $267,789Total liabilities
  • $226,140Total deposits
  • $267,789Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 14168.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $3,383Subordinated debt
  • $28,948All other liabilities
  • $28,948Total equity capital
  • $28,948Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $4,400Surplus
  • $23,948Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,077Income earned, not collected on loans
  • $0Earning assets
  • $2,572Long-term assets (5+ years)
  • $292,940Average Assets, year-to-date
  • $104,135Average Assets, quarterly
  • $310,691Volatile liabilities
  • $311,943Insider loans
  • $224,592FHLB advances
  • $310,122Loans and leases held for sale
  • $2,629Unused loan commitments
  • $2,629Tier 1 (core) risk-based capital
  • $25,625Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $28,646Restructured Loans and leases
  • $2,799Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,874Total interest income
  • $3,153Total interest expense
  • $9,721Net interest income
  • $600Provision for loan and lease losses
  • $1,626Total noninterest income
  • $66Fiduciary activities
  • $601Service charges on deposit accounts
  • $0Trading account gains & fees
  • $959Additional noninterest income
  • $6,310Total noninterest expense
  • $3,731Salaries and employee benefits
  • $1,007Premises and equipment expense
  • $1,572Additional noninterest expense
  • $4,437Pre-tax net operating income
  • $5Securities gains (losses)
  • $1,449Applicable income taxes
  • $2,993Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,993Net income attributable to bank
  • $0Net charge-offs
  • $2,993Cash dividends
  • $101Sale, conversion, retirement of capital stock, net
  • $864Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.45%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 3.36%Net interest margin
  • 0.56%Noninterest income to earning assets
  • 2.18%Noninterest expense to earning assets
  • 0.96%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 10.72%Return on equity (ROE)
  • 7.63%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 594.06%Credit loss provision to net charge-offs
  • 49.87%Efficiency ratio
  • 54,763Assets per employee
  • 4.78%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.87%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 59.73%Noncurrent assets plus other real estate owned to assets
  • 1.30%Noncurrent loans to loans
  • 2.15%Net loans and leases to deposits
  • 69.81%Net loans and leases to core deposits
  • 70.63%Equity capital to assets
  • 9.18%Core capital (leverage) ratio
  • 8.26%Tier 1 risk-based capital ratio
  • 11.41%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $310,691Average earning assets
  • $27,908Average equity
  • $289,134Average 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
  • $13,242Managed Assets
  • 1Number of Accounts
  • $10,718Personal trust and agency accounts
  • $10,640Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $78Non-managed Assets
  • 18Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,524Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $2,524Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07496The Peoples State Bank Of Newton, Illinois104 West Washington Street, Newton, IL 62448January 01, 1875Full Service Brick and Mortar
    1225482Drive-In Facility204 South Van Buren Street, Newton, IL 62448December 12, 1969Limited Service Facility
    3201981St. Francisville Facility620 Main Street, St. Francisville, IL 62460September 01, 1982Full Service Brick and Mortar
    5443991Sumner BranchRural Route 1, Box 58a, Sumner, IL 62466August 08, 2005Full Service Brick and Mortar
    6500733Larenceville Branch1805 State Street, Lawrenceville, IL 62439January 22, 2010Full Service Brick and Mortar

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