Peoples Bank in Paris, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank - Overview

  • General
  • FDIC Certificate #: 27398
    Status: Active
    Federal Reserve ID: 1293078
    Bank Holding Company (Regulatory Top Holder): Texas Peoples National Bancshares, Inc. (RSSDID: 1406953, Location: Paris, TX)
    Date Established: December 15, 1988
    WWW: http://www.pbparis.com
    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 #: 11115
    FDIC's unique #: 39866
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 15, 1988
    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: 35 South Plaza, Paris, TX 75460
    County: Lamar
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Paris, TX (#37580)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $109.1 mil
    Equity capital: $10.7 mil
    Deposits held in domestic offices: $78.0 mil
    Return on assets (ROA): 2.02% ($2.2 mil)
    Quarterly return on assets: 2.49% ($2.7 mil)
    Return on Equity (ROE): 21.84% ($2.4 mil)
    Quarterly return on equity: 25.20% ($2.8 mil)
    Net income: $2.2 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 2.02% ($2,204.4 mil)
    Quarterly Pretax return on assets: 2.49% ($2,717.3 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
  • 48Total employees (full-time equivalent)
  • $109,127Total assets
  • $3,284Cash and due from depository institutions
  • $447Interest-bearing balances
  • $24,259Securities
  • $135Federal funds sold & reverse repurchase agreements
  • $74,894Net loans & leases
  • $1,264Loan loss allowance
  • $0Trading account assets
  • $4,272Bank premises and fixed assets
  • $220Other real estate owned
  • $0Goodwill and other intangibles
  • $109,127Life insurance assets
  • $2,063All other assets
  • $98,379Total liabilities and capital
  • $77,965Total liabilities
  • $56,154Total deposits
  • $77,965Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 229.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $20,000Trading liabilities
  • $0Other borrowed funds
  • $185Subordinated debt
  • $10,748All other liabilities
  • $10,748Total equity capital
  • $10,748Total bank equity capital
  • $0Perpetual preferred stock
  • $583Common stock
  • $8,217Surplus
  • $1,948Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $864Income earned, not collected on loans
  • $109Earning assets
  • $479Long-term assets (5+ years)
  • $99,735Average Assets, year-to-date
  • $72,691Average Assets, quarterly
  • $111,266Volatile liabilities
  • $110,071Insider loans
  • $64,680FHLB advances
  • $111,291Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,265Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,567Restructured Loans and leases
  • $609Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,697Total interest income
  • $1,068Total interest expense
  • $4,629Net interest income
  • $243Provision for loan and lease losses
  • $2,775Total noninterest income
  • $0Fiduciary activities
  • $1,896Service charges on deposit accounts
  • $0Trading account gains & fees
  • $879Additional noninterest income
  • $5,123Total noninterest expense
  • $2,453Salaries and employee benefits
  • $672Premises and equipment expense
  • $1,998Additional noninterest expense
  • $2,038Pre-tax net operating income
  • $207Securities gains (losses)
  • $0Applicable income taxes
  • $2,245Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,245Net income attributable to bank
  • $0Net charge-offs
  • $2,245Cash dividends
  • $111Sale, conversion, retirement of capital stock, net
  • $2,175Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.61%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 4.56%Net interest margin
  • 2.73%Noninterest income to earning assets
  • 5.04%Noninterest expense to earning assets
  • 1.83%Net operating income to assets
  • 2.02%Return on assets (ROA)
  • 2.02%Pretax return on assets
  • 21.84%Return on equity (ROE)
  • 0.68%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 218.92%Credit loss provision to net charge-offs
  • 20.55%Efficiency ratio
  • 69,192Assets per employee
  • 2.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.88%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 146.30%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 1.13%Net loans and leases to deposits
  • 96.06%Net loans and leases to core deposits
  • 96.78%Equity capital to assets
  • 9.85%Core capital (leverage) ratio
  • 9.22%Tier 1 risk-based capital ratio
  • 15.87%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $111,266Average earning assets
  • $10,278Average equity
  • $101,563Average loans

List of branches

  • 3 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    039866Peoples Bank35 South Plaza, Paris, TX 75460December 15, 1988Full Service Brick and Mortar
    4261942Walmart Branch3855 Lamar Avenue, Paris, TX 75460January 25, 1995Full Service Brick and Mortar
    5261943Lamar Branch2805 Lamar Avenue, Paris, TX 75460September 15, 1990Full Service Brick and Mortar

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