Peoples Bank and Trust Company in Ryan, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 2331
    Status: Active
    Federal Reserve ID: 243955
    Date Established: March 05, 1906
    WWW: http://www.peoplesbankusa.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 15697
    FDIC's unique #: 1546
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 17, 2008
    Last Structure Change Process Date: July 17, 2008
    Last Data Update: July 17, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 517 Washington Street, Ryan, OK 73565
    County: Jefferson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $25.4 mil
    Equity capital: $3.3 mil
    Deposits held in domestic offices: $20.9 mil
    Return on assets (ROA): 1.64% ($0.4 mil)
    Quarterly return on assets: 1.22% ($0.3 mil)
    Return on Equity (ROE): 13.06% ($0.4 mil)
    Quarterly return on equity: 9.52% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.64% ($416.8 mil)
    Quarterly Pretax return on assets: 1.22% ($310.1 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
  • 17Total employees (full-time equivalent)
  • $25,415Total assets
  • $1,347Cash and due from depository institutions
  • $1,159Interest-bearing balances
  • $180Securities
  • $88Federal funds sold & reverse repurchase agreements
  • $22,204Net loans & leases
  • $327Loan loss allowance
  • $0Trading account assets
  • $107Bank premises and fixed assets
  • $125Other real estate owned
  • $0Goodwill and other intangibles
  • $25,416Life insurance assets
  • $1,364All other assets
  • $22,144Total liabilities and capital
  • $20,909Total liabilities
  • $19,254Total deposits
  • $20,909Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,219Trading liabilities
  • $0Other borrowed funds
  • $16Subordinated debt
  • $3,272All other liabilities
  • $3,272Total equity capital
  • $3,272Total bank equity capital
  • $0Perpetual preferred stock
  • $118Common stock
  • $1,188Surplus
  • $1,966Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $890Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $718Income earned, not collected on loans
  • $0Earning assets
  • $349Long-term assets (5+ years)
  • $23,631Average Assets, year-to-date
  • $4,894Average Assets, quarterly
  • $25,553Volatile liabilities
  • $25,499Insider loans
  • $21,566FHLB advances
  • $25,526Loans and leases held for sale
  • $761Unused loan commitments
  • $761Tier 1 (core) risk-based capital
  • $3,262Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $107Restructured Loans and leases
  • $76Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,476Total interest income
  • $430Total interest expense
  • $1,046Net interest income
  • $250Provision for loan and lease losses
  • $1,322Total noninterest income
  • $0Fiduciary activities
  • $68Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,254Additional noninterest income
  • $1,698Total noninterest expense
  • $1,138Salaries and employee benefits
  • $119Premises and equipment expense
  • $441Additional noninterest expense
  • $420Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $420Income before extraordinary items
  • $0Extraordinary gains - net
  • $420Net income attributable to bank
  • $0Net charge-offs
  • $420Cash dividends
  • $149Sale, conversion, retirement of capital stock, net
  • $290Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.21%Yield on earning assets
  • 1.81%Cost of funding earning assets
  • 4.40%Net interest margin
  • 5.57%Noninterest income to earning assets
  • 7.15%Noninterest expense to earning assets
  • 1.64%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 13.06%Return on equity (ROE)
  • 4.04%Retained earnings to average equity (YTD only)
  • 0.71%Net charge-offs to loans
  • 167.79%Credit loss provision to net charge-offs
  • 4.50%Efficiency ratio
  • 71,706Assets per employee
  • 1.50%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.05%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 45.54%Noncurrent assets plus other real estate owned to assets
  • 3.32%Noncurrent loans to loans
  • 3.19%Net loans and leases to deposits
  • 106.19%Net loans and leases to core deposits
  • 111.26%Equity capital to assets
  • 12.87%Core capital (leverage) ratio
  • 12.78%Tier 1 risk-based capital ratio
  • 15.13%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $25,553Average earning assets
  • $3,217Average equity
  • $23,752Average loans

List of branches

  • 1 Oklahoma Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01546Peoples Bank And Trust Company517 Washington Street, Ryan, OK 73565March 05, 1906Full Service Brick and Mortar

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