Peoples Bank & Trust Company in Manchester, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank & Trust Company - Overview

  • General
  • FDIC 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
    WWW: http://www.bankwithpeoples.com
    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
  • Location
  • Address: 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 Changes
  • Change in Location
  • Financial Summary
  • Total 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
  • 21Total employees (full-time equivalent)
  • $80,103Total assets
  • $4,032Cash and due from depository institutions
  • $1,294Interest-bearing balances
  • $21,880Securities
  • $1,005Federal funds sold & reverse repurchase agreements
  • $45,658Net loans & leases
  • $1,102Loan loss allowance
  • $0Trading account assets
  • $4,300Bank premises and fixed assets
  • $166Other real estate owned
  • $0Goodwill and other intangibles
  • $80,103Life insurance assets
  • $3,062All other assets
  • $71,590Total liabilities and capital
  • $66,046Total liabilities
  • $49,358Total deposits
  • $66,046Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $1,544Subordinated debt
  • $8,513All other liabilities
  • $8,513Total equity capital
  • $8,513Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $307Surplus
  • $7,956Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $736Income earned, not collected on loans
  • $0Earning assets
  • $426Long-term assets (5+ years)
  • $69,837Average Assets, year-to-date
  • $17,389Average Assets, quarterly
  • $79,994Volatile liabilities
  • $79,681Insider loans
  • $53,589FHLB advances
  • $80,254Loans and leases held for sale
  • $1,532Unused loan commitments
  • $1,532Tier 1 (core) risk-based capital
  • $8,312Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,792Restructured Loans and leases
  • $1,118Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,309Total interest income
  • $538Total interest expense
  • $2,771Net interest income
  • $135Provision for loan and lease losses
  • $391Total noninterest income
  • $0Fiduciary activities
  • $208Service charges on deposit accounts
  • $0Trading account gains & fees
  • $183Additional noninterest income
  • $2,560Total noninterest expense
  • $1,145Salaries and employee benefits
  • $435Premises and equipment expense
  • $980Additional noninterest expense
  • $467Pre-tax net operating income
  • $16Securities gains (losses)
  • $126Applicable income taxes
  • $357Income before extraordinary items
  • $0Extraordinary gains - net
  • $357Net income attributable to bank
  • $0Net charge-offs
  • $357Cash dividends
  • -$13Sale, conversion, retirement of capital stock, net
  • $207Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.70%Noninterest expense to earning assets
  • 0.43%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.60%Pretax return on assets
  • 4.25%Return on equity (ROE)
  • 1.79%Retained earnings to average equity (YTD only)
  • -0.03%Net charge-offs to loans
  • -1038.46%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 80,961Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.98%Loss allowance to loans
  • 2.36%Loss allowance to noncurrent loans
  • 149.73%Noncurrent assets plus other real estate owned to assets
  • 1.13%Noncurrent loans to loans
  • 1.57%Net loans and leases to deposits
  • 69.13%Net loans and leases to core deposits
  • 71.79%Equity capital to assets
  • 10.63%Core capital (leverage) ratio
  • 10.36%Tier 1 risk-based capital ratio
  • 15.51%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $79,994Average earning assets
  • $8,397Average equity
  • $69,185Average loans

List of branches

  • 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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