Peoples Bank in Clifton, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Bank in Clifton, Tennessee (TN)
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Peoples Bank - Overview

  • General
  • FDIC Certificate #: 9489
    Status: Active
    Federal Reserve ID: 148238
    Bank Holding Company (Regulatory Top Holder): Pb Bancshares, Inc. Employees Stock Ownership Plan (RSSDID: 4262525, Location: Clifton, TN)
    Date Established: January 01, 1890
    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 #: 11773
    FDIC's unique #: 6095
    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: No
    Asset Concentration Hierarchy: Commercial Lending 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: 129 Main Street, Clifton, TN 38425
    County: Wayne
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Nashville
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $137.6 mil
    Equity capital: $11.7 mil
    Deposits held in domestic offices: $118.9 mil
    Return on assets (ROA): 0.30% ($0.4 mil)
    Quarterly return on assets: 0.35% ($0.5 mil)
    Return on Equity (ROE): 3.51% ($0.4 mil)
    Quarterly return on equity: 4.09% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.38% ($522.8 mil)
    Quarterly Pretax return on assets: 0.48% ($660.4 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
  • 41Total employees (full-time equivalent)
  • $137,587Total assets
  • $9,775Cash and due from depository institutions
  • $3,776Interest-bearing balances
  • $11,895Securities
  • $10,640Federal funds sold & reverse repurchase agreements
  • $91,415Net loans & leases
  • $1,156Loan loss allowance
  • $0Trading account assets
  • $4,432Bank premises and fixed assets
  • $3,730Other real estate owned
  • $0Goodwill and other intangibles
  • $137,587Life insurance assets
  • $5,700All other assets
  • $125,840Total liabilities and capital
  • $118,888Total liabilities
  • $102,562Total deposits
  • $118,888Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,405Trading liabilities
  • $0Other borrowed funds
  • $1,547Subordinated debt
  • $11,747All other liabilities
  • $11,747Total equity capital
  • $11,747Total bank equity capital
  • $0Perpetual preferred stock
  • $125Common stock
  • $451Surplus
  • $11,171Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,543Income earned, not collected on loans
  • $0Earning assets
  • $641Long-term assets (5+ years)
  • $117,726Average Assets, year-to-date
  • $32,580Average Assets, quarterly
  • $135,085Volatile liabilities
  • $137,748Insider loans
  • $99,295FHLB advances
  • $138,147Loans and leases held for sale
  • $3,050Unused loan commitments
  • $1,015Tier 1 (core) risk-based capital
  • $11,666Tier 2 risk-based capital
  • $2,035Total risk weighted assets
  • $0Total unused commitments
  • $5,965Restructured Loans and leases
  • $426Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,444Total interest income
  • $2,172Total interest expense
  • $4,272Net interest income
  • $460Provision for loan and lease losses
  • $466Total noninterest income
  • $0Fiduciary activities
  • $463Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3Additional noninterest income
  • $3,868Total noninterest expense
  • $1,930Salaries and employee benefits
  • $609Premises and equipment expense
  • $1,329Additional noninterest expense
  • $410Pre-tax net operating income
  • $108Securities gains (losses)
  • $116Applicable income taxes
  • $402Income before extraordinary items
  • $0Extraordinary gains - net
  • $402Net income attributable to bank
  • $0Net charge-offs
  • $402Cash dividends
  • $1,018Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 1.86%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.40%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.24%Net operating income to assets
  • 0.30%Return on assets (ROA)
  • 0.38%Pretax return on assets
  • 3.51%Return on equity (ROE)
  • 3.51%Retained earnings to average equity (YTD only)
  • 1.08%Net charge-offs to loans
  • 45.19%Credit loss provision to net charge-offs
  • 0.85%Efficiency ratio
  • 81,638Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 74.92%Noncurrent assets plus other real estate owned to assets
  • 3.83%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 76.89%Net loans and leases to core deposits
  • 83.48%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 11.75%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $135,085Average earning assets
  • $11,449Average equity
  • $116,574Average loans

List of branches

  • 3 Tennessee Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06095Peoples Bank129 Main Street, Clifton, TN 38425January 01, 1890Full Service Brick and Mortar
    1220265Waynesboro Branch210 Dexter Woods Boulevard, Waynesboro, TN 38485March 23, 1978Full Service Brick and Mortar
    2466511Hohenwald Branch526 E Main St, Hohenwald, TN 38462October 13, 2006Full Service Brick and Mortar

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