Peoples Bank of Graceville in Graceville, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Peoples Bank of Graceville - Overview

  • General
  • FDIC Certificate #: 21692
    Status: Active
    Federal Reserve ID: 717232
    Bank Holding Company (Regulatory Top Holder): Pbg Financial Services, Inc. (RSSDID: 1085415, Location: Graceville, FL)
    Date Established: July 12, 1974
    WWW: http://www.peoplesgraceville.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)
    FDIC's unique #: 15013
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: July 12, 1974
    Last Structure Change Effective Date: Febuary 22, 2007
    Last Structure Change Process Date: Febuary 22, 2007
    Last Data Update: Febuary 22, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 5306 Brown St, Graceville, FL 32440
    County: Jackson
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $77.0 mil
    Equity capital: $12.6 mil
    Deposits held in domestic offices: $63.6 mil
    Return on assets (ROA): 1.66% ($1.3 mil)
    Quarterly return on assets: 1.24% ($1.0 mil)
    Return on Equity (ROE): 10.35% ($1.3 mil)
    Quarterly return on equity: 7.39% ($1.0 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.66% ($1,278.2 mil)
    Quarterly Pretax return on assets: 1.24% ($954.8 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
  • 12Total employees (full-time equivalent)
  • $76,998Total assets
  • $4,888Cash and due from depository institutions
  • $4,017Interest-bearing balances
  • $45,707Securities
  • $673Federal funds sold & reverse repurchase agreements
  • $24,120Net loans & leases
  • $300Loan loss allowance
  • $0Trading account assets
  • $107Bank premises and fixed assets
  • $710Other real estate owned
  • $0Goodwill and other intangibles
  • $76,998Life insurance assets
  • $793All other assets
  • $64,403Total liabilities and capital
  • $63,553Total liabilities
  • $52,162Total deposits
  • $63,553Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $850Subordinated debt
  • $12,595All other liabilities
  • $12,595Total equity capital
  • $12,595Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $959Surplus
  • $11,386Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $966Income earned, not collected on loans
  • $0Earning assets
  • $228Long-term assets (5+ years)
  • $74,517Average Assets, year-to-date
  • $29,623Average Assets, quarterly
  • $76,280Volatile liabilities
  • $76,783Insider loans
  • $28,006FHLB advances
  • $79,028Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,792Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,072Restructured Loans and leases
  • $1,762Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,053Total interest income
  • $787Total interest expense
  • $2,266Net interest income
  • $66Provision for loan and lease losses
  • $356Total noninterest income
  • $0Fiduciary activities
  • $356Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $1,325Total noninterest expense
  • $660Salaries and employee benefits
  • $176Premises and equipment expense
  • $489Additional noninterest expense
  • $1,231Pre-tax net operating income
  • $33Securities gains (losses)
  • $0Applicable income taxes
  • $1,264Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,264Net income attributable to bank
  • $0Net charge-offs
  • $1,264Cash dividends
  • $16Sale, conversion, retirement of capital stock, net
  • $1,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.14%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 1.80%Noninterest expense to earning assets
  • 1.61%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 10.35%Return on equity (ROE)
  • 1.34%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 412.50%Credit loss provision to net charge-offs
  • 81.06%Efficiency ratio
  • 50,534Assets per employee
  • 6.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 87.03%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 31.06%Noncurrent assets plus other real estate owned to assets
  • 2.18%Noncurrent loans to loans
  • 3.96%Net loans and leases to deposits
  • 37.95%Net loans and leases to core deposits
  • 39.62%Equity capital to assets
  • 16.36%Core capital (leverage) ratio
  • 13.66%Tier 1 risk-based capital ratio
  • 38.53%Total risk-based capital ratio
  • Memoranda
  • $40Average assets
  • $76,280Average earning assets
  • $12,217Average equity
  • $73,771Average loans

List of branches

  • 1 Florida Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015013Peoples Bank Of Graceville5306 Brown St, Graceville, FL 32440July 12, 1974Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Peoples Bank of Graceville.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents