Peoples Bank in Lyons, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank - Overview

  • General
  • FDIC Certificate #: 15216
    Status: Active
    Federal Reserve ID: 715032
    Bank Holding Company (Regulatory Top Holder): South Georgia Bankshares Corporation (RSSDID: 1081725, Location: Lyons, GA)
    Date Established: January 01, 1931
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14483
    FDIC's unique #: 9572
    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: Commercial Lending Specialization
    Date of Deposit Insurance: July 02, 1935
    Last Structure Change Effective Date: June 02, 2008
    Last Structure Change Process Date: July 16, 2008
    Last Data Update: July 16, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 299 West Liberty Street, Lyons, GA 30436
    County: Toombs
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Savannah
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Vidalia, GA (#47080)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    Change in Location
  • Financial Summary
  • Total assets: $53.1 mil
    Equity capital: $4.9 mil
    Deposits held in domestic offices: $47.9 mil
    Return on assets (ROA): -0.70% (-$0.4 mil)
    Quarterly return on assets: -3.37% (-$1.8 mil)
    Return on Equity (ROE): -7.22% (-$0.4 mil)
    Quarterly return on equity: -34.62% (-$1.7 mil)
    Net income: -$0.4 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -1.15% (-$611.1 mil)
    Quarterly Pretax return on assets: -5.42% (-$2,880.1 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
  • 23Total employees (full-time equivalent)
  • $53,139Total assets
  • $17,437Cash and due from depository institutions
  • $16,080Interest-bearing balances
  • $4,264Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $28,000Net loans & leases
  • $770Loan loss allowance
  • $0Trading account assets
  • $449Bank premises and fixed assets
  • $1,002Other real estate owned
  • $0Goodwill and other intangibles
  • $53,139Life insurance assets
  • $1,987All other assets
  • $48,196Total liabilities and capital
  • $47,946Total liabilities
  • $36,264Total deposits
  • $47,946Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $119Trading liabilities
  • $0Other borrowed funds
  • $131Subordinated debt
  • $4,943All other liabilities
  • $4,943Total equity capital
  • $4,943Total bank equity capital
  • $0Perpetual preferred stock
  • $775Common stock
  • $4,000Surplus
  • $168Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,194Income earned, not collected on loans
  • $0Earning assets
  • $207Long-term assets (5+ years)
  • $48,344Average Assets, year-to-date
  • $7,035Average Assets, quarterly
  • $54,809Volatile liabilities
  • $53,192Insider loans
  • $31,080FHLB advances
  • $53,651Loans and leases held for sale
  • $263Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,366Tier 2 risk-based capital
  • $263Total risk weighted assets
  • $0Total unused commitments
  • $4,177Restructured Loans and leases
  • $517Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,168Total interest income
  • $332Total interest expense
  • $1,836Net interest income
  • $631Provision for loan and lease losses
  • $328Total noninterest income
  • $0Fiduciary activities
  • $449Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$121Additional noninterest income
  • $2,242Total noninterest expense
  • $1,186Salaries and employee benefits
  • $293Premises and equipment expense
  • $763Additional noninterest expense
  • -$709Pre-tax net operating income
  • $77Securities gains (losses)
  • -$249Applicable income taxes
  • -$383Income before extraordinary items
  • $0Extraordinary gains - net
  • -$383Net income attributable to bank
  • $0Net charge-offs
  • -$383Cash dividends
  • $565Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.38%Yield on earning assets
  • 0.67%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 4.53%Noninterest expense to earning assets
  • -0.79%Net operating income to assets
  • -0.70%Return on assets (ROA)
  • -1.15%Pretax return on assets
  • -7.22%Return on equity (ROE)
  • -7.22%Retained earnings to average equity (YTD only)
  • 1.74%Net charge-offs to loans
  • 111.68%Credit loss provision to net charge-offs
  • -0.14%Efficiency ratio
  • 103,604Assets per employee
  • 2.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.68%Loss allowance to noncurrent loans
  • 24.11%Noncurrent assets plus other real estate owned to assets
  • 7.90%Noncurrent loans to loans
  • 11.10%Net loans and leases to deposits
  • 58.40%Net loans and leases to core deposits
  • 59.35%Equity capital to assets
  • 9.30%Core capital (leverage) ratio
  • 8.14%Tier 1 risk-based capital ratio
  • 14.05%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $54,809Average earning assets
  • $5,306Average equity
  • $49,543Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09572Peoples Bank299 West Liberty Street, Lyons, GA 30436January 01, 1931Full Service Brick and Mortar
    1233361Lyons Branch113 N. E. Broad Street, Lyons, GA 30436October 01, 1974Limited Service Administrative
    2233362Vidalia Branch2301 Lyons Highway, Vidalia, GA 30474May 16, 1986Full Service Brick and Mortar

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