Peachtree Bank in Maplesville, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peachtree Bank in Maplesville, Alabama (AL)
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Peachtree Bank - Overview

  • General
  • FDIC Certificate #: 68
    Status: Active
    Federal Reserve ID: 572338
    Bank Holding Company (Regulatory Top Holder): Southcrest Financial Group, Inc. (RSSDID: 2497202, Location: Peachtree City, GA)
    Date Established: September 19, 1919
    WWW: http://www.peachtreebank.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)
    OTS Docket #: 10089
    FDIC's unique #: 48
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 9411 Al Highway 22, Maplesville, AL 36750
    County: Chilton
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Birmingham-Hoover-Cullman, AL (#142)
    Core Based Statistical Area (CBSA): Birmingham-Hoover, AL (#13820)
    CBSA Metro Statistical Area: Birmingham-Hoover, AL (#13820)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $53.0 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $44.9 mil
    Return on assets (ROA): 0.36% ($0.2 mil)
    Quarterly return on assets: 0.34% ($0.2 mil)
    Return on Equity (ROE): 3.51% ($0.2 mil)
    Quarterly return on equity: 3.23% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.36% ($190.7 mil)
    Quarterly Pretax return on assets: 0.34% ($180.1 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
  • 22Total employees (full-time equivalent)
  • $52,964Total assets
  • $15,483Cash and due from depository institutions
  • $12,212Interest-bearing balances
  • $10,963Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $21,109Net loans & leases
  • $287Loan loss allowance
  • $0Trading account assets
  • $1,654Bank premises and fixed assets
  • $425Other real estate owned
  • $0Goodwill and other intangibles
  • $52,964Life insurance assets
  • $3,330All other assets
  • $47,257Total liabilities and capital
  • $44,918Total liabilities
  • $32,981Total deposits
  • $44,918Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,339Subordinated debt
  • $5,707All other liabilities
  • $5,707Total equity capital
  • $5,707Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $12,147Surplus
  • $-6,740Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $628Income earned, not collected on loans
  • $0Earning assets
  • $161Long-term assets (5+ years)
  • $44,284Average Assets, year-to-date
  • $9,197Average Assets, quarterly
  • $55,462Volatile liabilities
  • $54,179Insider loans
  • $30,843FHLB advances
  • $53,219Loans and leases held for sale
  • $2,578Unused loan commitments
  • $2,578Tier 1 (core) risk-based capital
  • $5,524Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,419Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,025Total interest income
  • $215Total interest expense
  • $1,810Net interest income
  • $45Provision for loan and lease losses
  • $614Total noninterest income
  • $0Fiduciary activities
  • $559Service charges on deposit accounts
  • $0Trading account gains & fees
  • $55Additional noninterest income
  • $2,182Total noninterest expense
  • $1,136Salaries and employee benefits
  • $174Premises and equipment expense
  • $872Additional noninterest expense
  • $197Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $197Income before extraordinary items
  • $0Extraordinary gains - net
  • $197Net income attributable to bank
  • $0Net charge-offs
  • $197Cash dividends
  • $283Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 3.93%Net interest margin
  • 1.33%Noninterest income to earning assets
  • 4.74%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.36%Return on assets (ROA)
  • 0.36%Pretax return on assets
  • 3.51%Return on equity (ROE)
  • 3.51%Retained earnings to average equity (YTD only)
  • 1.19%Net charge-offs to loans
  • 15.90%Credit loss provision to net charge-offs
  • 0.86%Efficiency ratio
  • 90,017Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 45.70%Noncurrent assets plus other real estate owned to assets
  • 1.99%Noncurrent loans to loans
  • 2.94%Net loans and leases to deposits
  • 46.99%Net loans and leases to core deposits
  • 46.99%Equity capital to assets
  • 10.78%Core capital (leverage) ratio
  • 10.38%Tier 1 risk-based capital ratio
  • 17.91%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $55,462Average earning assets
  • $5,614Average equity
  • $46,070Average loans

List of branches

  • 2 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048Peachtree Bank9411 Al Highway 22, Maplesville, AL 36750September 19, 1919Full Service Brick and Mortar
    1180968Clanton Branch1501 7th Street North, Clanton, AL 35045March 14, 1994Full Service Brick and Mortar

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