Peoples Bank in Senatobia, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 16, 2001

  • Peoples Bank in Senatobia, Mississippi (MS)
  • Show street view No street view available for this location

Peoples Bank - Overview

  • General
  • FDIC Certificate #: 11422
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Tennessee Bank, National Association (#4977)
    Federal Reserve ID: 738545
    Date Established: January 01, 1916
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 7293
    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: January 01, 1934
    Last Structure Change Effective Date: November 16, 2001
    Last Structure Change Process Date: January 02, 2002
    Last Data Update: January 02, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 207 East Main Street, Senatobia, MS 38668
    County: Tate
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • Financial Summary
  • Total assets: $126.1 mil

1992 - 1999 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, 2000)

  • Dollar figures in thousands
  • 32Total employees (full-time equivalent)
  • $118,045Total assets
  • $4,096Cash and due from depository institutions
  • $0Interest-bearing balances
  • $32,078Securities
  • $4,065Federal funds sold & reverse repurchase agreements
  • $68,402Net loans & leases
  • $1,060Loan loss allowance
  • $0Trading account assets
  • $1,441Bank premises and fixed assets
  • $118Other real estate owned
  • $6,140Goodwill and other intangibles
  • $0Life insurance assets
  • $1,705All other assets
  • $118,045Total liabilities and capital
  • $100,782Total liabilities
  • $95,050Total deposits
  • $82,625Interest-bearing deposits
  • $95,050Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $4,500Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,232All other liabilities
  • $17,263Total equity capital
  • $17,263Total bank equity capital
  • $17,263Perpetual preferred stock
  • $0Common stock
  • $500Surplus
  • $15,930Undivided profits
  • Memoranda
  • $833Noncurrent loans and leases
  • $6,731Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $472Earning assets
  • $0Long-term assets (5+ years)
  • $1,066Average Assets, year-to-date
  • $104,545Average Assets, quarterly
  • $16,184Volatile liabilities
  • $115,331Insider loans
  • $116,260FHLB advances
  • $29,235Loans and leases held for sale
  • $359Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $6,731Total unused commitments
  • $0Restructured Loans and leases
  • $954Derivatives

Income and Expense (December 31, 2000)

  • Dollar figures in thousands
  • $8,592Total interest income
  • $3,870Total interest expense
  • $4,722Net interest income
  • $262Provision for loan and lease losses
  • $867Total noninterest income
  • $0Fiduciary activities
  • $742Service charges on deposit accounts
  • $0Trading account gains & fees
  • $125Additional noninterest income
  • $2,941Total noninterest expense
  • $1,337Salaries and employee benefits
  • $257Premises and equipment expense
  • $1,347Additional noninterest expense
  • $2,386Pre-tax net operating income
  • -$1Securities gains (losses)
  • $941Applicable income taxes
  • $1,444Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,444Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $168Sale, conversion, retirement of capital stock, net
  • $1,400Net operating income

Performance and Condition Ratios (December 31, 2000)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.40%Yield on earning assets
  • 3.78%Cost of funding earning assets
  • 4.62%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 1.25%Net operating income to assets
  • 1.25%Return on assets (ROA)
  • 2.07%Pretax return on assets
  • 8.46%Return on equity (ROE)
  • 0.26%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 155.95%Credit loss provision to net charge-offs
  • 15.76%Efficiency ratio
  • 43,192Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.95%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 224.58%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 71.96%Net loans and leases to core deposits
  • 97.28%Equity capital to assets
  • 14.62%Core capital (leverage) ratio
  • 10.25%Tier 1 risk-based capital ratio
  • 14.59%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $115,331Average earning assets
  • $17,065Average equity
  • $102,265Average 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 Peoples 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