People's Bank and Trust Company of Pickett County in Byrdstown, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


People's Bank and Trust Company of Pickett County - Overview

  • General
  • FDIC Certificate #: 22756
    Status: Active
    Federal Reserve ID: 942539
    Bank Holding Company (Regulatory Top Holder): Employee Stock Ownership Trust Of People's Bank And Trust Company Of Pickett County (RSSDID: 1426782, Location: Byrdstown, TN)
    Date Established: November 27, 1978
    WWW: http://www.peoplesbankbyrdstown.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)
    OTS Docket #: 8951
    FDIC's unique #: 15890
    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: November 27, 1978
    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: 19 Courthouse Square, Byrdstown, TN 38549
    County: Pickett
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Knoxville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $130.5 mil
    Equity capital: $11.0 mil
    Deposits held in domestic offices: $118.7 mil
    Return on assets (ROA): -0.82% (-$1.1 mil)
    Quarterly return on assets: 0.61% ($0.8 mil)
    Return on Equity (ROE): -9.36% (-$1.0 mil)
    Quarterly return on equity: 7.36% ($0.8 mil)
    Net income: -$1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -1.29% (-$1,682.8 mil)
    Quarterly Pretax return on assets: 0.13% ($169.6 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
  • 30Total employees (full-time equivalent)
  • $130,452Total assets
  • $7,867Cash and due from depository institutions
  • $1,714Interest-bearing balances
  • $11,862Securities
  • $8,115Federal funds sold & reverse repurchase agreements
  • $93,581Net loans & leases
  • $3,330Loan loss allowance
  • $0Trading account assets
  • $1,148Bank premises and fixed assets
  • $2,132Other real estate owned
  • $120Goodwill and other intangibles
  • $130,452Life insurance assets
  • $5,627All other assets
  • $119,431Total liabilities and capital
  • $118,692Total liabilities
  • $110,602Total deposits
  • $118,692Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $739Subordinated debt
  • $11,021All other liabilities
  • $11,021Total equity capital
  • $11,021Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $200Surplus
  • $10,621Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $70Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,587Income earned, not collected on loans
  • $280Earning assets
  • $1,363Long-term assets (5+ years)
  • $115,272Average Assets, year-to-date
  • $20,185Average Assets, quarterly
  • $133,107Volatile liabilities
  • $132,064Insider loans
  • $95,257FHLB advances
  • $130,960Loans and leases held for sale
  • $2,066Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,526Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,066Total unused commitments
  • $3,646Restructured Loans and leases
  • $516Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,179Total interest income
  • $2,064Total interest expense
  • $5,115Net interest income
  • $3,685Provision for loan and lease losses
  • $260Total noninterest income
  • $0Fiduciary activities
  • $376Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$116Additional noninterest income
  • $3,412Total noninterest expense
  • $1,651Salaries and employee benefits
  • $247Premises and equipment expense
  • $1,514Additional noninterest expense
  • -$1,722Pre-tax net operating income
  • $8Securities gains (losses)
  • -$629Applicable income taxes
  • -$1,085Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,085Net income attributable to bank
  • $0Net charge-offs
  • -$1,085Cash dividends
  • $2,541Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.09%Yield on earning assets
  • 1.75%Cost of funding earning assets
  • 4.34%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.90%Noninterest expense to earning assets
  • -0.82%Net operating income to assets
  • -0.82%Return on assets (ROA)
  • -1.29%Pretax return on assets
  • -9.36%Return on equity (ROE)
  • -9.36%Retained earnings to average equity (YTD only)
  • 2.53%Net charge-offs to loans
  • 145.02%Credit loss provision to net charge-offs
  • 0.77%Efficiency ratio
  • 63,479Assets per employee
  • 4.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.44%Loss allowance to noncurrent loans
  • 26.46%Noncurrent assets plus other real estate owned to assets
  • 11.28%Noncurrent loans to loans
  • 12.99%Net loans and leases to deposits
  • 78.84%Net loans and leases to core deposits
  • 81.29%Equity capital to assets
  • 8.45%Core capital (leverage) ratio
  • 8.04%Tier 1 risk-based capital ratio
  • 11.05%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $133,107Average earning assets
  • $11,592Average equity
  • $117,806Average loans

List of branches

  • 1 Tennessee Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015890People's Bank And Trust Company Of P19 Courthouse Square, Byrdstown, TN 38549November 27, 1978Full Service Brick and Mortar

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