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

Peoples Bank in Mendenhall, Mississippi (MS)
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Peoples Bank routing number info

Peoples Bank - Overview

General
FDIC Certificate #: 9366
Status: Active
Federal Reserve ID: 70638
Date Established: November 05, 1908
WWW: http://www.peoplesbank-ms.com
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

No	ID	Name	Address	Established	Service Type
0	6015	Peoples Bank	154 Maud Avenue, Mendenhall, MS 39114	November 05, 1908	Full Service Brick and Mortar
2	219994	Magee Branch	611 Fifth Avenue, Magee, MS 39111	June 27, 1985	Full Service Brick and Mortar
3	219995	West Jackson Avenue Branch	165 West Jackson Avenue, Mendenhall, MS 39114	January 01, 1988	Full Service Brick and Mortar
5	272384	Collins Branch	704 Main Street, Collins, MS 39428	July 01, 1934	Full Service Brick and Mortar
7	364142	Puckett Branch	6423 Highway 18, Puckett, MS 39151	March 04, 2002	Full Service Brick and Mortar

Peoples Bank in Mendenhall, Mississippi (MS)
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)

Total Fiduciary and Related Assets (December 31, 2003)

List of branches

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

Peoples Bank in Mendenhall, Mississippi (MS)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)

Total Fiduciary and Related Assets (December 31, 2003)

List of branches

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

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