People's Community Bank in Johnson City, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 01, 2004

  • People's Community Bank in Johnson City, Tennessee (TN)
  • Show street view No street view available for this location

People's Community Bank - Overview

  • General
  • FDIC Certificate #: 34104
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Community Bank (#13012)
    Federal Reserve ID: 2374170
    Date Established: December 15, 1995
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 14578
    FDIC's unique #: 56245
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: December 15, 1995
    Last Structure Change Effective Date: April 01, 2004
    Last Structure Change Process Date: April 19, 2004
    Last Data Update: April 19, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 Sunset Drive, Johnson City, TN 37604
    County: Washington
    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
    Metropolitan Statistical Area (MSA): Johnson City-Kingsport-Bristol, TN-VA (#3660)
    Combined Statistical Area (CSA): Johnson City-Kingsport-Bristol (Tri-Cities), TN-VA (#304)
    Core Based Statistical Area (CBSA): Johnson City, TN (#27740)
    CBSA Metro Statistical Area: Johnson City, TN (#27740)
  • Financial Summary
  • Total assets: $172.1 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, 2003)

  • Dollar figures in thousands
  • 56Total employees (full-time equivalent)
  • $171,828Total assets
  • $5,901Cash and due from depository institutions
  • $998Interest-bearing balances
  • $28,416Securities
  • $2,162Federal funds sold & reverse repurchase agreements
  • $128,797Net loans & leases
  • $1,824Loan loss allowance
  • $0Trading account assets
  • $3,500Bank premises and fixed assets
  • $82Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,970All other assets
  • $171,828Total liabilities and capital
  • $158,211Total liabilities
  • $148,894Total deposits
  • $133,050Interest-bearing deposits
  • $148,894Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,173Other borrowed funds
  • $0Subordinated debt
  • $644All other liabilities
  • $13,617Total equity capital
  • $13,617Total bank equity capital
  • $13,617Perpetual preferred stock
  • $0Common stock
  • $800Surplus
  • $7,200Undivided profits
  • Memoranda
  • $5,617Noncurrent loans and leases
  • $8,889Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,066Earning assets
  • $0Long-term assets (5+ years)
  • $738Average Assets, year-to-date
  • $160,373Average Assets, quarterly
  • $22,308Volatile liabilities
  • $165,066Insider loans
  • $171,710FHLB advances
  • $11,415Loans and leases held for sale
  • $28Unused loan commitments
  • $7,173Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,889Total unused commitments
  • $0Restructured Loans and leases
  • $1,637Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $9,775Total interest income
  • $2,756Total interest expense
  • $7,019Net interest income
  • $740Provision for loan and lease losses
  • $440Total noninterest income
  • $0Fiduciary activities
  • $365Service charges on deposit accounts
  • $0Trading account gains & fees
  • $75Additional noninterest income
  • $4,258Total noninterest expense
  • $2,525Salaries and employee benefits
  • $583Premises and equipment expense
  • $1,150Additional noninterest expense
  • $2,461Pre-tax net operating income
  • $247Securities gains (losses)
  • $825Applicable income taxes
  • $1,883Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,883Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $341Sale, conversion, retirement of capital stock, net
  • $336Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.43%Yield on earning assets
  • 1.81%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 1.04%Net operating income to assets
  • 1.14%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 14.48%Return on equity (ROE)
  • 11.90%Retained earnings to average equity (YTD only)
  • 0.28%Net charge-offs to loans
  • 217.01%Credit loss provision to net charge-offs
  • 9.39%Efficiency ratio
  • 57,085Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.84%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 171.11%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.82%Net loans and leases to deposits
  • 86.50%Net loans and leases to core deposits
  • 92.67%Equity capital to assets
  • 7.92%Core capital (leverage) ratio
  • 7.71%Tier 1 risk-based capital ratio
  • 10.12%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $165,066Average earning assets
  • $13,001Average equity
  • $151,964Average loans

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with People's Community Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents