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
No
ID
Name
Address
Established
Service Type
Map
0
291958
Peoples Bank Of Bedford County
1122 North Main Street, Shelbyville, TN 37160
December 11, 2000
Full Service Brick and Mortar
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