Peoples Bank & Trust in Buford, Georgia (GA)

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Peoples Bank & Trust routing number info

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Peoples Bank & Trust
GeneralFDIC Certificate #: 25795
Status: Active
Federal Reserve ID: 109136
Bank Holding Company (Regulatory Top Holder): Peoples Banktrust, Inc. (RSSDID: 3466504, Location: Buford, GA)
Date Established: December 13, 1984
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 32024
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: December 13, 1984
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
LocationAddress: 1899 Buford Highway, Buford, GA 30518
County: Gwinnett
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $316.7 mil
Equity capital: $10.5 mil
Deposits held in domestic offices: $304.0 mil
Return on assets (ROA): -0.88% (-$2.8 mil)
Quarterly return on assets: -1.49% (-$4.7 mil)
Return on Equity (ROE): -26.70% (-$2.7 mil)
Quarterly return on equity: -42.46% (-$4.2 mil)
Net income: -$2.9 mil
Quarterly Net income: -$1.2 mil
Pretax return on assets: -0.88% (-$2,786.7 mil)
Quarterly Pretax return on assets: -1.49% (-$4,718.4 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)
Total employees (full-time equivalent)59
Total assets$316,670
Cash and due from depository institutions$16,180
Interest-bearing balances$12,667
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$186,259
Loan loss allowance $3,071
Trading account assets$0
Bank premises and fixed assets$6,988
Other real estate owned$48,835
Goodwill and other intangibles$0
All other assets$2,134
Life insurance assets$316,670
Total liabilities and capital$306,189
Total liabilities$304,026
Total deposits$258,101
Interest-bearing deposits$304,026
Deposits held in domestic offices$85
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,163
All other liabilities $10,481
Total equity capital$10,481
Total bank equity capital$10,481
Perpetual preferred stock$0
Common stock$14,488
Undivided profits $-21,941
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $9,568
Earning assets $0
Long-term assets (5+ years) $842
Average Assets, year-to-date $255,200
Average Assets, quarterly $77,940
Volatile liabilities $331,519
Insider loans $318,702
FHLB advances $229,151
Loans and leases held for sale $321,183
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $9,899
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,975
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $12,797
Total interest expense $5,104
Net interest income $7,693
Provision for loan and lease losses $598
Total noninterest income $135
Fiduciary activities $0
Service charges on deposit accounts $629
Trading account gains & fees $0
Additional noninterest income -$494
Total noninterest expense $10,162
Salaries and employee benefits $4,105
Premises and equipment expense $986
Additional noninterest expense $5,071
Pre-tax net operating income -$2,932
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items -$2,932
Extraordinary gains - net $0
Net income attributable to bank -$2,932
Net charge-offs $0
Cash dividends -$2,932
Sale, conversion, retirement of capital stock, net $1,402
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.75%
Cost of funding earning assets 1.90%
Net interest margin 2.86%
Noninterest income to earning assets 0.05%
Noninterest expense to earning assets 3.77%
Net operating income to assets -0.88%
Return on assets (ROA) -0.88%
Pretax return on assets -0.88%
Return on equity (ROE) -26.70%
Retained earnings to average equity (YTD only) -26.70%
Net charge-offs to loans 0.70%
Credit loss provision to net charge-offs 42.65%
Efficiency ratio-1.66%
Assets per employee$129,816
Cash dividends to net income (YTD only)5.37%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.62%
Noncurrent assets plus other real estate owned to assets 32.10%
Noncurrent loans to loans 18.44%
Net loans and leases to deposits5.05%
Net loans and leases to core deposits 61.26%
Equity capital to assets 76.46%
Core capital (leverage) ratio 3.31%
Tier 1 risk-based capital ratio 3.08%
Total risk-based capital ratio 4.32%
Average assets$6
Average earning assets$331,519
Average equity $10,980
Average loans $269,217
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5 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
032024Peoples Bank & Trust1899 Buford Highway, Buford, GA 30518December 13, 1984Full Service Brick and Mortar
2258206East Main Street Branch101 East Main Street, Buford, GA 30518June 01, 1992Full Service Brick and Mortar
3258207Roy Harris Branch2370 Buford Drive, Lawrenceville, GA 30043July 15, 1996Full Service Brick and Mortar
4455045Friendship Road Branch4977 Friendship Road, Buford, GA 30518October 01, 2005Full Service Brick and Mortar
5481116Peachtree Industrial Branch255 Peachtree Industrial Boulevard, Sugar Hill, GA 30518September 26, 2008Full Service Brick and Mortar
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