Peoples Bank in Lyons, Georgia (GA)



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Peoples Bank
GeneralFDIC 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
WWW: http://www.pplsbk.biz
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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Change in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)23
Total assets$53,139
Cash and due from depository institutions$17,437
Interest-bearing balances$16,080
Securities$4,264
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$28,000
Loan loss allowance $770
Trading account assets$0
Bank premises and fixed assets$449
Other real estate owned$1,002
Goodwill and other intangibles$0
All other assets$1,987
Life insurance assets$53,139
Total liabilities and capital$48,196
Total liabilities$47,946
Total deposits$36,264
Interest-bearing deposits$47,946
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$119
Other borrowed funds $0
Subordinated debt $131
All other liabilities $4,943
Total equity capital$4,943
Total bank equity capital$4,943
Perpetual preferred stock$0
Common stock$775
Surplus$4,000
Undivided profits $168
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,194
Earning assets $0
Long-term assets (5+ years) $207
Average Assets, year-to-date $48,344
Average Assets, quarterly $7,035
Volatile liabilities $54,809
Insider loans $53,192
FHLB advances $31,080
Loans and leases held for sale $53,651
Unused loan commitments $263
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,366
Total risk weighted assets $263
Total unused commitments $0
Restructured Loans and leases $4,177
Derivatives$517
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $2,168
Total interest expense $332
Net interest income $1,836
Provision for loan and lease losses $631
Total noninterest income $328
Fiduciary activities $0
Service charges on deposit accounts $449
Trading account gains & fees $0
Additional noninterest income -$121
Total noninterest expense $2,242
Salaries and employee benefits $1,186
Premises and equipment expense $293
Additional noninterest expense $763
Pre-tax net operating income -$709
Securities gains (losses) $77
Applicable income taxes -$249
Income before extraordinary items -$383
Extraordinary gains - net $0
Net income attributable to bank -$383
Net charge-offs $0
Cash dividends -$383
Sale, conversion, retirement of capital stock, net $565
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.38%
Cost of funding earning assets 0.67%
Net interest margin 3.71%
Noninterest income to earning assets 0.66%
Noninterest expense to earning assets 4.53%
Net operating income to assets -0.79%
Return on assets (ROA) -0.70%
Pretax return on assets -1.15%
Return on equity (ROE) -7.22%
Retained earnings to average equity (YTD only) -7.22%
Net charge-offs to loans 1.74%
Credit loss provision to net charge-offs 111.68%
Efficiency ratio-0.14%
Assets per employee$103,604
Cash dividends to net income (YTD only)2.31%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.68%
Noncurrent assets plus other real estate owned to assets 24.11%
Noncurrent loans to loans 7.90%
Net loans and leases to deposits11.10%
Net loans and leases to core deposits 58.40%
Equity capital to assets 59.35%
Core capital (leverage) ratio 9.30%
Tier 1 risk-based capital ratio 8.14%
Total risk-based capital ratio 14.05%
Memoranda
Average assets$15
Average earning assets$54,809
Average equity $5,306
Average loans $49,543
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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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