Peoples Bank and Trust Company in Ryan, Oklahoma (OK)



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Peoples Bank and Trust Company routing number info

Table of contents:
Peoples Bank and Trust Company
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)17
Total assets$25,415
Cash and due from depository institutions$1,347
Interest-bearing balances$1,159
Securities$180
Federal funds sold & reverse repurchase agreements$88
Net loans & leases$22,204
Loan loss allowance $327
Trading account assets$0
Bank premises and fixed assets$107
Other real estate owned$125
Goodwill and other intangibles$0
All other assets$1,364
Life insurance assets$25,416
Total liabilities and capital$22,144
Total liabilities$20,909
Total deposits$19,254
Interest-bearing deposits$20,909
Deposits held in domestic offices$98
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,219
Other borrowed funds $0
Subordinated debt $16
All other liabilities $3,272
Total equity capital$3,272
Total bank equity capital$3,272
Perpetual preferred stock$0
Common stock$118
Surplus$1,188
Undivided profits $1,966
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $890
Income earned, not collected on loans $718
Earning assets $0
Long-term assets (5+ years) $349
Average Assets, year-to-date $23,631
Average Assets, quarterly $4,894
Volatile liabilities $25,553
Insider loans $25,499
FHLB advances $21,566
Loans and leases held for sale $25,526
Unused loan commitments $761
Tier 1 (core) risk-based capital $761
Tier 2 risk-based capital $3,262
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $107
Derivatives$76
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,476
Total interest expense $430
Net interest income $1,046
Provision for loan and lease losses $250
Total noninterest income $1,322
Fiduciary activities $0
Service charges on deposit accounts $68
Trading account gains & fees $0
Additional noninterest income $1,254
Total noninterest expense $1,698
Salaries and employee benefits $1,138
Premises and equipment expense $119
Additional noninterest expense $441
Pre-tax net operating income $420
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $420
Extraordinary gains - net $0
Net income attributable to bank $420
Net charge-offs $0
Cash dividends $420
Sale, conversion, retirement of capital stock, net $149
Net operating income $290
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.21%
Cost of funding earning assets 1.81%
Net interest margin 4.40%
Noninterest income to earning assets 5.57%
Noninterest expense to earning assets 7.15%
Net operating income to assets 1.64%
Return on assets (ROA) 1.64%
Pretax return on assets 1.64%
Return on equity (ROE) 13.06%
Retained earnings to average equity (YTD only) 4.04%
Net charge-offs to loans 0.71%
Credit loss provision to net charge-offs 167.79%
Efficiency ratio4.50%
Assets per employee$71,706
Cash dividends to net income (YTD only)1.50%
Condition Ratios (%)
Loss allowance to loans 69.05%
Loss allowance to noncurrent loans 1.45%
Noncurrent assets plus other real estate owned to assets 45.54%
Noncurrent loans to loans 3.32%
Net loans and leases to deposits3.19%
Net loans and leases to core deposits 106.19%
Equity capital to assets 111.26%
Core capital (leverage) ratio 12.87%
Tier 1 risk-based capital ratio 12.78%
Total risk-based capital ratio 15.13%
Memoranda
Average assets$16
Average earning assets$25,553
Average equity $3,217
Average loans $23,752
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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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