Pelham Banking Company in Pelham, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Pelham Banking Company in Pelham, Georgia (GA)
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Pelham Banking Company - Overview

  • General
  • FDIC Certificate #: 15441
    Status: Active
    Federal Reserve ID: 634731
    Bank Holding Company (Regulatory Top Holder): Pbc Bancshares, Inc. (RSSDID: 1839421, Location: Pelham, GA)
    Date Established: January 01, 1910
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11578
    FDIC's unique #: 9753
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: December 09, 1936
    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: 180 Mathewson Ave, Pelham, GA 31779
    County: Mitchell
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Albany Ga
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $61.9 mil
    Equity capital: $10.1 mil
    Deposits held in domestic offices: $51.2 mil
    Return on assets (ROA): 1.20% ($0.7 mil)
    Quarterly return on assets: 0.65% ($0.4 mil)
    Return on Equity (ROE): 7.52% ($0.8 mil)
    Quarterly return on equity: 3.93% ($0.4 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.20% ($742.4 mil)
    Quarterly Pretax return on assets: 0.65% ($402.1 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
  • 18Total employees (full-time equivalent)
  • $61,865Total assets
  • $7,979Cash and due from depository institutions
  • $1,515Interest-bearing balances
  • $24,031Securities
  • $750Federal funds sold & reverse repurchase agreements
  • $26,282Net loans & leases
  • $355Loan loss allowance
  • $0Trading account assets
  • $645Bank premises and fixed assets
  • $338Other real estate owned
  • $0Goodwill and other intangibles
  • $61,865Life insurance assets
  • $1,840All other assets
  • $51,788Total liabilities and capital
  • $51,211Total liabilities
  • $41,713Total deposits
  • $51,211Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 45.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11Trading liabilities
  • $0Other borrowed funds
  • $521Subordinated debt
  • $10,077All other liabilities
  • $10,077Total equity capital
  • $10,077Total bank equity capital
  • $0Perpetual preferred stock
  • $150Common stock
  • $5,350Surplus
  • $4,577Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $237Income earned, not collected on loans
  • $0Earning assets
  • $507Long-term assets (5+ years)
  • $52,578Average Assets, year-to-date
  • $23,490Average Assets, quarterly
  • $61,262Volatile liabilities
  • $61,678Insider loans
  • $35,445FHLB advances
  • $61,693Loans and leases held for sale
  • $1,093Unused loan commitments
  • $1,093Tier 1 (core) risk-based capital
  • $9,418Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,204Restructured Loans and leases
  • $193Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,730Total interest income
  • $535Total interest expense
  • $2,195Net interest income
  • $225Provision for loan and lease losses
  • $522Total noninterest income
  • $0Fiduciary activities
  • $342Service charges on deposit accounts
  • $0Trading account gains & fees
  • $180Additional noninterest income
  • $1,833Total noninterest expense
  • $1,019Salaries and employee benefits
  • $147Premises and equipment expense
  • $667Additional noninterest expense
  • $659Pre-tax net operating income
  • $74Securities gains (losses)
  • $0Applicable income taxes
  • $733Income before extraordinary items
  • $0Extraordinary gains - net
  • $733Net income attributable to bank
  • $0Net charge-offs
  • $733Cash dividends
  • $228Sale, conversion, retirement of capital stock, net
  • $420Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.98%Noninterest income to earning assets
  • 3.45%Noninterest expense to earning assets
  • 1.08%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.20%Pretax return on assets
  • 7.52%Return on equity (ROE)
  • 3.21%Retained earnings to average equity (YTD only)
  • 0.82%Net charge-offs to loans
  • 98.68%Credit loss provision to net charge-offs
  • 3.88%Efficiency ratio
  • 67,464Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.30%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 149.79%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 0.89%Net loans and leases to deposits
  • 51.32%Net loans and leases to core deposits
  • 51.65%Equity capital to assets
  • 16.29%Core capital (leverage) ratio
  • 15.27%Tier 1 risk-based capital ratio
  • 26.57%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $61,262Average earning assets
  • $9,748Average equity
  • $53,201Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09753Pelham Banking Company180 Mathewson Ave, Pelham, GA 31779January 01, 1910Full Service Brick and Mortar
    1233983Drive-In Facility518 Church Street, Pelham, GA 31779May 02, 1979Limited Service Facility

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