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
No
ID
Name
Address
Established
Service Type
Map
0
1546
Peoples Bank And Trust Company
517 Washington Street, Ryan, OK 73565
March 05, 1906
Full Service Brick and Mortar
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