Peoples Bank & Trust in Buford, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank & Trust - Overview

  • General
  • FDIC 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
    WWW: http://www.peoplesbanktrust.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 59Total employees (full-time equivalent)
  • $316,670Total assets
  • $16,180Cash and due from depository institutions
  • $12,667Interest-bearing balances
  • $56,274Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $186,259Net loans & leases
  • $3,071Loan loss allowance
  • $0Trading account assets
  • $6,988Bank premises and fixed assets
  • $48,835Other real estate owned
  • $0Goodwill and other intangibles
  • $316,670Life insurance assets
  • $2,134All other assets
  • $306,189Total liabilities and capital
  • $304,026Total liabilities
  • $258,101Total deposits
  • $304,026Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,163Subordinated debt
  • $10,481All other liabilities
  • $10,481Total equity capital
  • $10,481Total bank equity capital
  • $0Perpetual preferred stock
  • $14,488Common stock
  • $17,934Surplus
  • $-21,941Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,568Income earned, not collected on loans
  • $0Earning assets
  • $842Long-term assets (5+ years)
  • $255,200Average Assets, year-to-date
  • $77,940Average Assets, quarterly
  • $331,519Volatile liabilities
  • $318,702Insider loans
  • $229,151FHLB advances
  • $321,183Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,899Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,975Restructured Loans and leases
  • $5,626Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,797Total interest income
  • $5,104Total interest expense
  • $7,693Net interest income
  • $598Provision for loan and lease losses
  • $135Total noninterest income
  • $0Fiduciary activities
  • $629Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$494Additional noninterest income
  • $10,162Total noninterest expense
  • $4,105Salaries and employee benefits
  • $986Premises and equipment expense
  • $5,071Additional noninterest expense
  • -$2,932Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$2,932Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,932Net income attributable to bank
  • $0Net charge-offs
  • -$2,932Cash dividends
  • $1,402Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.75%Yield on earning assets
  • 1.90%Cost of funding earning assets
  • 2.86%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 3.77%Noninterest expense to earning assets
  • -0.88%Net operating income to assets
  • -0.88%Return on assets (ROA)
  • -0.88%Pretax return on assets
  • -26.70%Return on equity (ROE)
  • -26.70%Retained earnings to average equity (YTD only)
  • 0.70%Net charge-offs to loans
  • 42.65%Credit loss provision to net charge-offs
  • -1.66%Efficiency ratio
  • 129,816Assets per employee
  • 5.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 32.10%Noncurrent assets plus other real estate owned to assets
  • 18.44%Noncurrent loans to loans
  • 5.05%Net loans and leases to deposits
  • 61.26%Net loans and leases to core deposits
  • 76.46%Equity capital to assets
  • 3.31%Core capital (leverage) ratio
  • 3.08%Tier 1 risk-based capital ratio
  • 4.32%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $331,519Average earning assets
  • $10,980Average equity
  • $269,217Average loans

List of branches

  • 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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