Peoples Bank in Tulsa, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Peoples Bank in Tulsa, Oklahoma (OK)
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Peoples Bank - Overview

  • General
  • FDIC Certificate #: 9882
    Status: Active
    Federal Reserve ID: 278153
    Bank Holding Company (Regulatory Top Holder): Peoples State Bancshares, Inc. (RSSDID: 3236912, Location: Tulsa, OK)
    Date Established: January 01, 1907
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 53020
    FDIC's unique #: 6323
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 12, 2011
    Last Structure Change Process Date: Febuary 16, 2011
    Last Data Update: Febuary 16, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 445 South Lewis Avenue, Tulsa, OK 74150
    County: Tulsa
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Tulsa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Tulsa, OK (#8560)
    Combined Statistical Area (CSA): Tulsa-Bartlesville, OK (#538)
    Core Based Statistical Area (CBSA): Tulsa, OK (#46140)
    CBSA Metro Statistical Area: Tulsa, OK (#46140)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $99.8 mil
    Equity capital: $8.5 mil
    Deposits held in domestic offices: $87.0 mil
    Return on assets (ROA): 0.86% ($0.9 mil)
    Quarterly return on assets: 0.31% ($0.3 mil)
    Return on Equity (ROE): 9.95% ($0.9 mil)
    Quarterly return on equity: 3.54% ($0.3 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.86% ($857.9 mil)
    Quarterly Pretax return on assets: 0.31% ($309.3 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
  • 31Total employees (full-time equivalent)
  • $99,759Total assets
  • $7,712Cash and due from depository institutions
  • $1,000Interest-bearing balances
  • $1,110Securities
  • $2,425Federal funds sold & reverse repurchase agreements
  • $79,395Net loans & leases
  • $910Loan loss allowance
  • $0Trading account assets
  • $4,558Bank premises and fixed assets
  • $417Other real estate owned
  • $81Goodwill and other intangibles
  • $99,759Life insurance assets
  • $4,061All other assets
  • $91,245Total liabilities and capital
  • $87,041Total liabilities
  • $59,337Total deposits
  • $87,041Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $204Subordinated debt
  • $8,514All other liabilities
  • $8,514Total equity capital
  • $8,514Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $5,287Surplus
  • $2,627Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,375Income earned, not collected on loans
  • $0Earning assets
  • $451Long-term assets (5+ years)
  • $83,930Average Assets, year-to-date
  • $12,357Average Assets, quarterly
  • $97,274Volatile liabilities
  • $98,337Insider loans
  • $80,671FHLB advances
  • $97,974Loans and leases held for sale
  • $1,175Unused loan commitments
  • $1,175Tier 1 (core) risk-based capital
  • $8,462Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,953Restructured Loans and leases
  • $921Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,675Total interest income
  • $666Total interest expense
  • $4,009Net interest income
  • $530Provision for loan and lease losses
  • $1,741Total noninterest income
  • $0Fiduciary activities
  • $753Service charges on deposit accounts
  • $0Trading account gains & fees
  • $988Additional noninterest income
  • $4,385Total noninterest expense
  • $2,071Salaries and employee benefits
  • $556Premises and equipment expense
  • $1,758Additional noninterest expense
  • $835Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $835Income before extraordinary items
  • $0Extraordinary gains - net
  • $835Net income attributable to bank
  • $0Net charge-offs
  • $835Cash dividends
  • $323Sale, conversion, retirement of capital stock, net
  • $435Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.69%Yield on earning assets
  • 0.81%Cost of funding earning assets
  • 4.88%Net interest margin
  • 2.12%Noninterest income to earning assets
  • 5.34%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.86%Return on assets (ROA)
  • 0.86%Pretax return on assets
  • 9.95%Return on equity (ROE)
  • 4.77%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 164.09%Credit loss provision to net charge-offs
  • 4.23%Efficiency ratio
  • 76,261Assets per employee
  • 3.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.10%Loss allowance to loans
  • 1.13%Loss allowance to noncurrent loans
  • 38.32%Noncurrent assets plus other real estate owned to assets
  • 2.80%Noncurrent loans to loans
  • 2.96%Net loans and leases to deposits
  • 91.22%Net loans and leases to core deposits
  • 97.39%Equity capital to assets
  • 8.53%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 10.49%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $97,274Average earning assets
  • $8,389Average equity
  • $82,099Average loans

List of branches

  • 2 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06323Peoples Bank445 South Lewis Avenue, Tulsa, OK 74150January 01, 1907Full Service Brick and Mortar
    4472633West Branch5151 S. 33rd W. Avenue, Tulsa, OK 74107October 31, 2007Full Service Brick and Mortar

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