First Peoples Bank in city_name, state_name - Detailed Financial Reports, Location

First Peoples Bank in Pine Mountain, Georgia (GA)
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First Peoples Bank routing number info

First Peoples Bank - Overview

General
FDIC Certificate #: 33010
Status: Active
Federal Reserve ID: 1459799
Bank Holding Company (Regulatory Top Holder): First Peoples Bankshares, Inc. (RSSDID: 2325912, Location: Pine Mountain, GA)
Date Established: July 09, 1990
WWW: http://www.firstpeoplesbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 46191
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: Commercial Lending Specialization
Date of Deposit Insurance: July 09, 1990
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: 105 Chipley Street, Pine Mountain, GA 31822
County: Harris
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Columbus, GA-AL (#1800)
Combined Statistical Area (CSA): Columbus-Auburn-Opelika, GA-AL (#194)
Core Based Statistical Area (CBSA): Columbus, GA-AL (#17980)
CBSA Metro Statistical Area: Columbus, GA-AL (#17980)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $75.4 mil
Equity capital: $10.7 mil
Deposits held in domestic offices: $64.2 mil
Return on assets (ROA): 0.38% ($0.3 mil)
Quarterly return on assets: 0.99% ($0.7 mil)
Return on Equity (ROE): 2.61% ($0.3 mil)
Quarterly return on equity: 6.72% ($0.7 mil)
Net income: $0.3 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: 0.49% ($369.6 mil)
Quarterly Pretax return on assets: 1.38% ($1,040.9 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
28Total employees (full-time equivalent)
$75,424Total assets
$3,495Cash and due from depository institutions
$1,738Interest-bearing balances
$8,697Securities
$11,000Federal funds sold & reverse repurchase agreements
$47,138Net loans & leases
$1,538Loan loss allowance
$0Trading account assets
$1,142Bank premises and fixed assets
$140Other real estate owned
$0Goodwill and other intangibles
$75,424Life insurance assets
$3,812All other assets
$64,744Total liabilities and capital
$64,194Total liabilities
$38,409Total deposits
$64,194Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$550Subordinated debt
$10,680All other liabilities
$10,680Total equity capital
$10,680Total bank equity capital
$0Perpetual preferred stock
$1,503Common stock
$3,540Surplus
$5,637Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,560Income earned, not collected on loans
$0Earning assets
$247Long-term assets (5+ years)
$68,573Average Assets, year-to-date
$3,582Average Assets, quarterly
$72,376Volatile liabilities
$72,046Insider loans
$44,529FHLB advances
$74,274Loans and leases held for sale
$1,921Unused loan commitments
$884Tier 1 (core) risk-based capital
$10,530Tier 2 risk-based capital
$0Total risk weighted assets
$1,037Total unused commitments
$3,487Restructured Loans and leases
$456Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,759Total interest income
$409Total interest expense
$3,350Net interest income
$733Provision for loan and lease losses
$799Total noninterest income
$0Fiduciary activities
$406Service charges on deposit accounts
$0Trading account gains & fees
$393Additional noninterest income
$3,058Total noninterest expense
$1,632Salaries and employee benefits
$333Premises and equipment expense
$1,093Additional noninterest expense
$358Pre-tax net operating income
$0Securities gains (losses)
$84Applicable income taxes
$274Income before extraordinary items
$0Extraordinary gains - net
$274Net income attributable to bank
$0Net charge-offs
$274Cash dividends
$753Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.78%Yield on earning assets
0.63%Cost of funding earning assets
5.15%Net interest margin
1.23%Noninterest income to earning assets
4.70%Noninterest expense to earning assets
0.38%Net operating income to assets
0.38%Return on assets (ROA)
0.49%Pretax return on assets
2.61%Return on equity (ROE)
2.61%Retained earnings to average equity (YTD only)
1.47%Net charge-offs to loans
97.34%Credit loss provision to net charge-offs
1.45%Efficiency ratio
73,705Assets per employee
2.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.16%Loss allowance to noncurrent loans
43.20%Noncurrent assets plus other real estate owned to assets
4.91%Noncurrent loans to loans
7.31%Net loans and leases to deposits
73.43%Net loans and leases to core deposits
82.05%Equity capital to assets
14.16%Core capital (leverage) ratio
14.18%Tier 1 risk-based capital ratio
23.65%Total risk-based capital ratio
Memoranda
$25Average assets
$72,376Average earning assets
$10,504Average equity
$65,049Average loans

List of branches

2 Georgia Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	46191	First Peoples Bank	105 Chipley Street, Pine Mountain, GA 31822	July 09, 1990	Full Service Brick and Mortar
2	289168	Hamilton Branch	121 South College Street, Hamilton, GA 31811	October 17, 1997	Full Service Brick and Mortar

First Peoples Bank in Pine Mountain, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Peoples Bank in Pine Mountain, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Peoples Bank in Pine Mountain, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches