Peoples Bank & Trust Company in Manchester, Tennessee (TN)

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Peoples Bank & Trust Company routing number info

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Peoples Bank & Trust Company
GeneralFDIC Certificate #: 1475
Status: Active
Federal Reserve ID: 28732
Bank Holding Company (Regulatory Top Holder): Peoples Bancorp, Inc. (RSSDID: 1131554, Location: Manchester, TN)
Date Established: July 06, 1905
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 971
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: November 24, 2008
Last Structure Change Process Date: November 24, 2008
Last Data Update: November 24, 2008
Data Source Date: April 05, 2012
LocationAddress: 1203 Hillsboro Boulevard, Manchester, TN 37355
County: Coffee
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
Core Based Statistical Area (CBSA): Tullahoma, TN (#46100)
CBSA Micro Statistical Area: Yes
History of ChangesChange in Location
Financial SummaryTotal assets: $80.1 mil
Equity capital: $8.5 mil
Deposits held in domestic offices: $66.0 mil
Return on assets (ROA): 0.45% ($0.4 mil)
Quarterly return on assets: 0.40% ($0.3 mil)
Return on Equity (ROE): 4.25% ($0.4 mil)
Quarterly return on equity: 3.70% ($0.3 mil)
Net income: $0.4 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.60% ($480.6 mil)
Quarterly Pretax return on assets: 0.57% ($456.6 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)
Total employees (full-time equivalent)21
Total assets$80,103
Cash and due from depository institutions$4,032
Interest-bearing balances$1,294
Federal funds sold & reverse repurchase agreements$1,005
Net loans & leases$45,658
Loan loss allowance $1,102
Trading account assets$0
Bank premises and fixed assets$4,300
Other real estate owned$166
Goodwill and other intangibles$0
All other assets$3,062
Life insurance assets$80,103
Total liabilities and capital$71,590
Total liabilities$66,046
Total deposits$49,358
Interest-bearing deposits$66,046
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,000
Other borrowed funds $0
Subordinated debt $1,544
All other liabilities $8,513
Total equity capital$8,513
Total bank equity capital$8,513
Perpetual preferred stock$0
Common stock$250
Undivided profits $7,956
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 $736
Earning assets $0
Long-term assets (5+ years) $426
Average Assets, year-to-date $69,837
Average Assets, quarterly $17,389
Volatile liabilities $79,994
Insider loans $79,681
FHLB advances $53,589
Loans and leases held for sale $80,254
Unused loan commitments $1,532
Tier 1 (core) risk-based capital $1,532
Tier 2 risk-based capital $8,312
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,792
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,309
Total interest expense $538
Net interest income $2,771
Provision for loan and lease losses $135
Total noninterest income $391
Fiduciary activities $0
Service charges on deposit accounts $208
Trading account gains & fees $0
Additional noninterest income $183
Total noninterest expense $2,560
Salaries and employee benefits $1,145
Premises and equipment expense $435
Additional noninterest expense $980
Pre-tax net operating income $467
Securities gains (losses) $16
Applicable income taxes $126
Income before extraordinary items $357
Extraordinary gains - net $0
Net income attributable to bank $357
Net charge-offs $0
Cash dividends $357
Sale, conversion, retirement of capital stock, net -$13
Net operating income $207
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.78%
Cost of funding earning assets 0.78%
Net interest margin 4.01%
Noninterest income to earning assets 0.57%
Noninterest expense to earning assets 3.70%
Net operating income to assets 0.43%
Return on assets (ROA) 0.45%
Pretax return on assets 0.60%
Return on equity (ROE) 4.25%
Retained earnings to average equity (YTD only) 1.79%
Net charge-offs to loans -0.03%
Credit loss provision to net charge-offs -1038.46%
Efficiency ratio0.00%
Assets per employee$80,961
Cash dividends to net income (YTD only)3.81%
Condition Ratios (%)
Loss allowance to loans 57.98%
Loss allowance to noncurrent loans 2.36%
Noncurrent assets plus other real estate owned to assets 149.73%
Noncurrent loans to loans 1.13%
Net loans and leases to deposits1.57%
Net loans and leases to core deposits 69.13%
Equity capital to assets 71.79%
Core capital (leverage) ratio 10.63%
Tier 1 risk-based capital ratio 10.36%
Total risk-based capital ratio 15.51%
Average assets$17
Average earning assets$79,994
Average equity $8,397
Average loans $69,185
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1 Tennessee Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0971Peoples Bank & Trust Company1203 Hillsboro Boulevard, Manchester, TN 37355July 06, 1905Full Service Brick and Mortar
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