PEOPLES BANK OF BEDFORD COUNTY in Shelbyville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


PEOPLES BANK OF BEDFORD COUNTY - Overview

  • General
  • FDIC Certificate #: 35604
    Status: Active
    Federal Reserve ID: 2967796
    Date Established: December 11, 2000
    WWW: http://www.pbobc.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 291958
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 11, 2000
    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: 1122 North Main Street, Shelbyville, TN 37160
    County: Bedford
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Shelbyville, TN (#43180)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $103.3 mil
    Equity capital: $11.2 mil
    Deposits held in domestic offices: $91.2 mil
    Return on assets (ROA): 0.84% ($0.9 mil)
    Quarterly return on assets: 0.71% ($0.7 mil)
    Return on Equity (ROE): 8.13% ($0.9 mil)
    Quarterly return on equity: 6.54% ($0.7 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.36% ($1,405.0 mil)
    Quarterly Pretax return on assets: 1.09% ($1,126.0 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
  • 25Total employees (full-time equivalent)
  • $103,307Total assets
  • $2,383Cash and due from depository institutions
  • $490Interest-bearing balances
  • $24,194Securities
  • $3,025Federal funds sold & reverse repurchase agreements
  • $66,453Net loans & leases
  • $1,242Loan loss allowance
  • $0Trading account assets
  • $1,852Bank premises and fixed assets
  • $1,877Other real estate owned
  • $0Goodwill and other intangibles
  • $103,308Life insurance assets
  • $3,523All other assets
  • $92,067Total liabilities and capital
  • $91,209Total liabilities
  • $79,539Total deposits
  • $91,209Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 123.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $735Subordinated debt
  • $11,241All other liabilities
  • $11,241Total equity capital
  • $11,241Total bank equity capital
  • $0Perpetual preferred stock
  • $634Common stock
  • $5,713Surplus
  • $4,894Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $488Income earned, not collected on loans
  • $0Earning assets
  • $493Long-term assets (5+ years)
  • $94,162Average Assets, year-to-date
  • $24,171Average Assets, quarterly
  • $103,248Volatile liabilities
  • $103,024Insider loans
  • $70,385FHLB advances
  • $103,716Loans and leases held for sale
  • $2,070Unused loan commitments
  • $455Tier 1 (core) risk-based capital
  • $10,904Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,615Total unused commitments
  • $6,443Restructured Loans and leases
  • $3,060Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,450Total interest income
  • $1,398Total interest expense
  • $4,052Net interest income
  • $540Provision for loan and lease losses
  • $835Total noninterest income
  • $0Fiduciary activities
  • $372Service charges on deposit accounts
  • $0Trading account gains & fees
  • $463Additional noninterest income
  • $2,945Total noninterest expense
  • $1,558Salaries and employee benefits
  • $280Premises and equipment expense
  • $1,107Additional noninterest expense
  • $1,402Pre-tax net operating income
  • $2Securities gains (losses)
  • $534Applicable income taxes
  • $870Income before extraordinary items
  • $0Extraordinary gains - net
  • $870Net income attributable to bank
  • $0Net charge-offs
  • $870Cash dividends
  • $180Sale, conversion, retirement of capital stock, net
  • $222Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.76%Yield on earning assets
  • 1.48%Cost of funding earning assets
  • 4.28%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 3.11%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 8.13%Return on equity (ROE)
  • 6.06%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 300.00%Credit loss provision to net charge-offs
  • 10.79%Efficiency ratio
  • 60,262Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.52%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 254.51%Noncurrent assets plus other real estate owned to assets
  • 2.29%Noncurrent loans to loans
  • 0.72%Net loans and leases to deposits
  • 72.86%Net loans and leases to core deposits
  • 82.70%Equity capital to assets
  • 10.88%Core capital (leverage) ratio
  • 10.51%Tier 1 risk-based capital ratio
  • 15.49%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $103,248Average earning assets
  • $10,701Average equity
  • $94,584Average loans

List of branches

  • 1 Tennessee Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0291958Peoples Bank Of Bedford County1122 North Main Street, Shelbyville, TN 37160December 11, 2000Full Service Brick and Mortar

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