Peoples Bank in Mendenhall, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Bank in Mendenhall, Mississippi (MS)
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Peoples Bank - Overview

  • General
  • FDIC Certificate #: 9366
    Status: Active
    Federal Reserve ID: 70638
    Date Established: November 05, 1908
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12640
    FDIC's unique #: 6015
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 154 Maud Avenue, Mendenhall, MS 39114
    County: Simpson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Combined Statistical Area (CSA): Jackson-Yazoo City, MS (#298)
    Core Based Statistical Area (CBSA): Jackson, MS (#27140)
    CBSA Metro Statistical Area: Jackson, MS (#27140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $228.9 mil
    Equity capital: $21.9 mil
    Deposits held in domestic offices: $183.8 mil
    Return on assets (ROA): 2.31% ($5.3 mil)
    Quarterly return on assets: 2.53% ($5.8 mil)
    Return on Equity (ROE): 25.23% ($5.6 mil)
    Quarterly return on equity: 26.70% ($5.9 mil)
    Net income: $5.1 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 2.31% ($5,287.8 mil)
    Quarterly Pretax return on assets: 2.53% ($5,791.4 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, 2011)

  • Dollar figures in thousands
  • 78Total employees (full-time equivalent)
  • $228,911Total assets
  • $4,082Cash and due from depository institutions
  • $334Interest-bearing balances
  • $32,140Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $178,286Net loans & leases
  • $1,980Loan loss allowance
  • $0Trading account assets
  • $3,190Bank premises and fixed assets
  • $3,349Other real estate owned
  • $90Goodwill and other intangibles
  • $228,911Life insurance assets
  • $7,774All other assets
  • $207,010Total liabilities and capital
  • $183,758Total liabilities
  • $165,411Total deposits
  • $183,758Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 17025.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,188Trading liabilities
  • $0Other borrowed funds
  • $1,039Subordinated debt
  • $21,901All other liabilities
  • $21,901Total equity capital
  • $21,901Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $9,400Surplus
  • $11,901Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,627Income earned, not collected on loans
  • $575Earning assets
  • $1,327Long-term assets (5+ years)
  • $210,760Average Assets, year-to-date
  • $44,042Average Assets, quarterly
  • $219,295Volatile liabilities
  • $226,326Insider loans
  • $157,348FHLB advances
  • $225,924Loans and leases held for sale
  • $3,504Unused loan commitments
  • $2,433Tier 1 (core) risk-based capital
  • $20,710Tier 2 risk-based capital
  • $1,071Total risk weighted assets
  • $0Total unused commitments
  • $7,343Restructured Loans and leases
  • $2,493Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,015Total interest income
  • $2,008Total interest expense
  • $11,007Net interest income
  • $1,200Provision for loan and lease losses
  • $2,094Total noninterest income
  • $0Fiduciary activities
  • $1,660Service charges on deposit accounts
  • $0Trading account gains & fees
  • $434Additional noninterest income
  • $6,684Total noninterest expense
  • $4,022Salaries and employee benefits
  • $905Premises and equipment expense
  • $1,757Additional noninterest expense
  • $5,217Pre-tax net operating income
  • -$147Securities gains (losses)
  • $0Applicable income taxes
  • $5,070Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,070Net income attributable to bank
  • $0Net charge-offs
  • $5,070Cash dividends
  • $664Sale, conversion, retirement of capital stock, net
  • $3,390Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.42%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 5.43%Net interest margin
  • 1.03%Noninterest income to earning assets
  • 3.29%Noninterest expense to earning assets
  • 2.38%Net operating income to assets
  • 2.31%Return on assets (ROA)
  • 2.31%Pretax return on assets
  • 25.23%Return on equity (ROE)
  • 8.36%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 180.72%Credit loss provision to net charge-offs
  • 9.66%Efficiency ratio
  • 50,195Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 66.86%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 54.59%Noncurrent assets plus other real estate owned to assets
  • 3.06%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 97.02%Net loans and leases to core deposits
  • 107.45%Equity capital to assets
  • 9.57%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 13.16%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $219,295Average earning assets
  • $20,097Average equity
  • $202,872Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $67Managed Assets
  • 1Number of Accounts
  • $67Personal trust and agency accounts
  • $67Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06015Peoples Bank154 Maud Avenue, Mendenhall, MS 39114November 05, 1908Full Service Brick and Mortar
    2219994Magee Branch611 Fifth Avenue, Magee, MS 39111June 27, 1985Full Service Brick and Mortar
    3219995West Jackson Avenue Branch165 West Jackson Avenue, Mendenhall, MS 39114January 01, 1988Full Service Brick and Mortar
    5272384Collins Branch704 Main Street, Collins, MS 39428July 01, 1934Full Service Brick and Mortar
    7364142Puckett Branch6423 Highway 18, Puckett, MS 39151March 04, 2002Full Service Brick and Mortar

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