Peoples Bank in city_name, state_name - Detailed Financial Reports, Location

Peoples Bank in Paris, Texas (TX)
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Peoples Bank routing number info

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

No	ID	Name	Address	Established	Service Type
0	39866	Peoples Bank	35 South Plaza, Paris, TX 75460	December 15, 1988	Full Service Brick and Mortar
4	261942	Walmart Branch	3855 Lamar Avenue, Paris, TX 75460	January 25, 1995	Full Service Brick and Mortar
5	261943	Lamar Branch	2805 Lamar Avenue, Paris, TX 75460	September 15, 1990	Full Service Brick and Mortar

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

Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

Peoples Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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