Peoples Bank & Trust Company in North Carrollton, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples Bank & Trust Company in North Carrollton, Mississippi (MS)
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Peoples Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 12438
    Status: Active
    Federal Reserve ID: 857147
    Bank Holding Company (Regulatory Top Holder): Peoples Commerce Corporation (RSSDID: 1133950, Location: North Carrollton, MS)
    Date Established: January 01, 1918
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7919
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 15, 2010
    Last Data Update: June 15, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 106 E Main St, North Carrollton, MS 38947
    County: Carroll
    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
    Core Based Statistical Area (CBSA): Greenwood, MS (#24900)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $57.6 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $49.6 mil
    Return on assets (ROA): 1.11% ($0.6 mil)
    Quarterly return on assets: 0.77% ($0.4 mil)
    Return on Equity (ROE): 8.26% ($0.7 mil)
    Quarterly return on equity: 5.72% ($0.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.52% ($876.0 mil)
    Quarterly Pretax return on assets: 1.03% ($593.6 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
  • 7Total employees (full-time equivalent)
  • $57,631Total assets
  • $2,328Cash and due from depository institutions
  • $1,470Interest-bearing balances
  • $33,671Securities
  • $6,378Federal funds sold & reverse repurchase agreements
  • $14,593Net loans & leases
  • $327Loan loss allowance
  • $0Trading account assets
  • $133Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $57,631Life insurance assets
  • $528All other assets
  • $49,900Total liabilities and capital
  • $49,573Total liabilities
  • $44,058Total deposits
  • $49,573Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $327Subordinated debt
  • $7,731All other liabilities
  • $7,731Total equity capital
  • $7,731Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $7,410Surplus
  • $221Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18Income earned, not collected on loans
  • $0Earning assets
  • $355Long-term assets (5+ years)
  • $56,112Average Assets, year-to-date
  • $30,669Average Assets, quarterly
  • $56,426Volatile liabilities
  • $57,362Insider loans
  • $20,513FHLB advances
  • $56,798Loans and leases held for sale
  • $24Unused loan commitments
  • $24Tier 1 (core) risk-based capital
  • $7,731Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $99Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,111Total interest income
  • $611Total interest expense
  • $1,500Net interest income
  • $0Provision for loan and lease losses
  • $143Total noninterest income
  • $0Fiduciary activities
  • $95Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48Additional noninterest income
  • $819Total noninterest expense
  • $439Salaries and employee benefits
  • $76Premises and equipment expense
  • $304Additional noninterest expense
  • $824Pre-tax net operating income
  • $35Securities gains (losses)
  • $233Applicable income taxes
  • $626Income before extraordinary items
  • $0Extraordinary gains - net
  • $626Net income attributable to bank
  • $0Net charge-offs
  • $626Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $180Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.84%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 2.73%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 1.49%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.52%Pretax return on assets
  • 8.26%Return on equity (ROE)
  • 5.89%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 49,848Assets per employee
  • 8.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.75%Loss allowance to loans
  • 2.19%Loss allowance to noncurrent loans
  • 1816.67%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.12%Net loans and leases to deposits
  • 29.44%Net loans and leases to core deposits
  • 33.64%Equity capital to assets
  • 13.41%Core capital (leverage) ratio
  • 13.61%Tier 1 risk-based capital ratio
  • 37.69%Total risk-based capital ratio
  • Memoranda
  • $39Average assets
  • $56,426Average earning assets
  • $7,577Average equity
  • $54,969Average loans

List of branches

  • 2 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07919Peoples Bank & Trust Company106 E Main St, North Carrollton, MS 38947January 01, 1918Full Service Brick and Mortar
    1227127Carrollton Branch107 Lexington Street, Carrollton, MS 38917June 08, 1936Full Service Brick and Mortar

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