Peoples Bank in Paris, Texas (TX)



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Peoples Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)48
Total assets$109,127
Cash and due from depository institutions$3,284
Interest-bearing balances$447
Securities$24,259
Federal funds sold & reverse repurchase agreements$135
Net loans & leases$74,894
Loan loss allowance $1,264
Trading account assets$0
Bank premises and fixed assets$4,272
Other real estate owned$220
Goodwill and other intangibles$0
All other assets$2,063
Life insurance assets$109,127
Total liabilities and capital$98,379
Total liabilities$77,965
Total deposits$56,154
Interest-bearing deposits$77,965
Deposits held in domestic offices$100
% insured (estimated)229.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$20,000
Other borrowed funds $0
Subordinated debt $185
All other liabilities $10,748
Total equity capital$10,748
Total bank equity capital$10,748
Perpetual preferred stock$0
Common stock$583
Surplus$8,217
Undivided profits $1,948
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 $864
Earning assets $109
Long-term assets (5+ years) $479
Average Assets, year-to-date $99,735
Average Assets, quarterly $72,691
Volatile liabilities $111,266
Insider loans $110,071
FHLB advances $64,680
Loans and leases held for sale $111,291
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,265
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,567
Derivatives$609
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,697
Total interest expense $1,068
Net interest income $4,629
Provision for loan and lease losses $243
Total noninterest income $2,775
Fiduciary activities $0
Service charges on deposit accounts $1,896
Trading account gains & fees $0
Additional noninterest income $879
Total noninterest expense $5,123
Salaries and employee benefits $2,453
Premises and equipment expense $672
Additional noninterest expense $1,998
Pre-tax net operating income $2,038
Securities gains (losses) $207
Applicable income taxes $0
Income before extraordinary items $2,245
Extraordinary gains - net $0
Net income attributable to bank $2,245
Net charge-offs $0
Cash dividends $2,245
Sale, conversion, retirement of capital stock, net $111
Net operating income $2,175
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.61%
Cost of funding earning assets 1.05%
Net interest margin 4.56%
Noninterest income to earning assets 2.73%
Noninterest expense to earning assets 5.04%
Net operating income to assets 1.83%
Return on assets (ROA) 2.02%
Pretax return on assets 2.02%
Return on equity (ROE) 21.84%
Retained earnings to average equity (YTD only) 0.68%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 218.92%
Efficiency ratio20.55%
Assets per employee$69,192
Cash dividends to net income (YTD only)2.27%
Condition Ratios (%)
Loss allowance to loans 96.88%
Loss allowance to noncurrent loans 1.66%
Noncurrent assets plus other real estate owned to assets 146.30%
Noncurrent loans to loans 0.99%
Net loans and leases to deposits1.13%
Net loans and leases to core deposits 96.06%
Equity capital to assets 96.78%
Core capital (leverage) ratio 9.85%
Tier 1 risk-based capital ratio 9.22%
Total risk-based capital ratio 15.87%
Memoranda
Average assets$17
Average earning assets$111,266
Average equity $10,278
Average loans $101,563
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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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