Peoples Bank in Paragould, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 19, 2004

  • Peoples Bank in Paragould, Arkansas (AR)
  • Show street view No street view available for this location

Peoples Bank - Overview

  • General
  • FDIC Certificate #: 33500
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Liberty Bank of Arkansas (#3878)
    Federal Reserve ID: 1890413
    Date Established: September 13, 1991
    WWW: http://www.bank-atpeoples.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 12821
    FDIC's unique #: 47248
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    SAIF Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: September 13, 1991
    Last Structure Change Effective Date: March 19, 2004
    Last Structure Change Process Date: March 23, 2004
    Last Data Update: March 23, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 300 West Emerson, Paragould, AR 72450
    County: Greene
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Jonesboro-Paragould, AR (#308)
    Core Based Statistical Area (CBSA): Paragould, AR (#37500)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $84.4 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, 2003)

  • Dollar figures in thousands
  • 31Total employees (full-time equivalent)
  • $84,421Total assets
  • $6,338Cash and due from depository institutions
  • $104Interest-bearing balances
  • $18,520Securities
  • $4,945Federal funds sold & reverse repurchase agreements
  • $49,377Net loans & leases
  • $1,751Loan loss allowance
  • $0Trading account assets
  • $2,164Bank premises and fixed assets
  • $869Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,208All other assets
  • $84,421Total liabilities and capital
  • $78,641Total liabilities
  • $72,669Total deposits
  • $69,562Interest-bearing deposits
  • $72,669Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,701Other borrowed funds
  • $0Subordinated debt
  • $271All other liabilities
  • $5,780Total equity capital
  • $5,780Total bank equity capital
  • $5,780Perpetual preferred stock
  • $0Common stock
  • $178Surplus
  • $6,053Undivided profits
  • Memoranda
  • $-451Noncurrent loans and leases
  • $7,118Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,710Earning assets
  • $0Long-term assets (5+ years)
  • $340Average Assets, year-to-date
  • $72,946Average Assets, quarterly
  • $10,325Volatile liabilities
  • $88,047Insider loans
  • $83,212FHLB advances
  • $9,899Loans and leases held for sale
  • $1,251Unused loan commitments
  • $5,701Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,118Total unused commitments
  • $1,993Restructured Loans and leases
  • $741Derivatives

Income and Expense (December 31, 2003)

  • Dollar figures in thousands
  • $4,198Total interest income
  • $2,170Total interest expense
  • $2,028Net interest income
  • $1,200Provision for loan and lease losses
  • $821Total noninterest income
  • $0Fiduciary activities
  • $451Service charges on deposit accounts
  • $0Trading account gains & fees
  • $370Additional noninterest income
  • $2,852Total noninterest expense
  • $1,239Salaries and employee benefits
  • $381Premises and equipment expense
  • $1,232Additional noninterest expense
  • -$1,203Pre-tax net operating income
  • $158Securities gains (losses)
  • -$371Applicable income taxes
  • -$674Income before extraordinary items
  • $0Extraordinary gains - net
  • -$674Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,395Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2003)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 2.86%Cost of funding earning assets
  • 2.67%Net interest margin
  • 1.08%Noninterest income to earning assets
  • 3.75%Noninterest expense to earning assets
  • -0.88%Net operating income to assets
  • -0.77%Return on assets (ROA)
  • -1.19%Pretax return on assets
  • -10.61%Return on equity (ROE)
  • -10.61%Retained earnings to average equity (YTD only)
  • 4.61%Net charge-offs to loans
  • 50.10%Credit loss provision to net charge-offs
  • -0.00%Efficiency ratio
  • 100,105Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.42%Loss allowance to noncurrent loans
  • 30.67%Noncurrent assets plus other real estate owned to assets
  • 7.79%Noncurrent loans to loans
  • 11.17%Net loans and leases to deposits
  • 67.95%Net loans and leases to core deposits
  • 78.66%Equity capital to assets
  • 6.85%Core capital (leverage) ratio
  • 7.06%Tier 1 risk-based capital ratio
  • 10.19%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $88,047Average earning assets
  • $6,351Average equity
  • $75,991Average loans

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