PEOPLES BANK in Sheridan, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • General
  • FDIC Certificate #: 57058
    Status: Active
    Federal Reserve ID: 2939391
    Date Established: September 13, 2000
    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 #: 356558
    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: September 13, 2000
    Last Structure Change Effective Date: June 28, 2011
    Last Structure Change Process Date: July 11, 2011
    Last Data Update: July 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1120 South Rock Street, Sheridan, AR 72150
    County: Grant
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340)
    Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780)
    CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
  • History of Changes
  • Change in Primary Regulatory Agency
    Change in Supervisory Agency
    Institution Becomes a Member of FRS (Federal Reserve System)
  • Financial Summary
  • Total assets: $114.1 mil
    Equity capital: $14.4 mil
    Deposits held in domestic offices: $98.9 mil
    Return on assets (ROA): 1.29% ($1.5 mil)
    Quarterly return on assets: 1.41% ($1.6 mil)
    Return on Equity (ROE): 10.58% ($1.5 mil)
    Quarterly return on equity: 11.23% ($1.6 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.90% ($2,168.5 mil)
    Quarterly Pretax return on assets: 1.82% ($2,077.2 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
  • 26Total employees (full-time equivalent)
  • $114,131Total assets
  • $3,280Cash and due from depository institutions
  • $977Interest-bearing balances
  • $46,985Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,434Net loans & leases
  • $880Loan loss allowance
  • $0Trading account assets
  • $2,615Bank premises and fixed assets
  • $262Other real estate owned
  • $0Goodwill and other intangibles
  • $114,131Life insurance assets
  • $2,555All other assets
  • $99,778Total liabilities and capital
  • $98,885Total liabilities
  • $62,880Total deposits
  • $98,885Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $893Subordinated debt
  • $14,353All other liabilities
  • $14,353Total equity capital
  • $14,353Total bank equity capital
  • $0Perpetual preferred stock
  • $6Common stock
  • $5,951Surplus
  • $8,396Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $154Income earned, not collected on loans
  • $0Earning assets
  • $620Long-term assets (5+ years)
  • $106,396Average Assets, year-to-date
  • $26,727Average Assets, quarterly
  • $113,481Volatile liabilities
  • $114,020Insider loans
  • $69,146FHLB advances
  • $113,865Loans and leases held for sale
  • $1,481Unused loan commitments
  • $1,481Tier 1 (core) risk-based capital
  • $14,007Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,929Restructured Loans and leases
  • $5,293Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,911Total interest income
  • $701Total interest expense
  • $4,210Net interest income
  • $114Provision for loan and lease losses
  • $556Total noninterest income
  • $0Fiduciary activities
  • $290Service charges on deposit accounts
  • $0Trading account gains & fees
  • $266Additional noninterest income
  • $2,499Total noninterest expense
  • $1,177Salaries and employee benefits
  • $278Premises and equipment expense
  • $1,044Additional noninterest expense
  • $2,153Pre-tax net operating income
  • $0Securities gains (losses)
  • $687Applicable income taxes
  • $1,466Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,466Net income attributable to bank
  • $0Net charge-offs
  • $1,466Cash dividends
  • $34Sale, conversion, retirement of capital stock, net
  • $396Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 2.37%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.90%Pretax return on assets
  • 10.58%Return on equity (ROE)
  • 7.73%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 335.29%Credit loss provision to net charge-offs
  • 66.68%Efficiency ratio
  • 52,434Assets per employee
  • 4.39%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.01%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 571.43%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 59.09%Net loans and leases to core deposits
  • 62.42%Equity capital to assets
  • 12.58%Core capital (leverage) ratio
  • 12.30%Tier 1 risk-based capital ratio
  • 20.26%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $113,481Average earning assets
  • $13,850Average equity
  • $105,657Average loans

List of branches

  • 2 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0356558Peoples Bank1120 South Rock Street, Sheridan, AR 72150September 13, 2000Full Service Brick and Mortar
    1495709Peoples Bank (East End)20409 Arch Street, Little Rock, AR 72206July 14, 2008Full Service Brick and Mortar

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