Peoples Bank of Greensboro in Greensboro, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Peoples Bank of Greensboro - Overview

  • General
  • FDIC Certificate #: 1730
    Status: Active
    Federal Reserve ID: 320034
    Bank Holding Company (Regulatory Top Holder): Greensboro Bancshares, Inc. (RSSDID: 1086775, Location: Greensboro, AL)
    Date Established: March 07, 1904
    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 #: 1142
    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: Febuary 24, 2011
    Last Structure Change Process Date: Febuary 24, 2011
    Last Data Update: Febuary 24, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1402 State Street, Greensboro, AL 36744
    County: Hale
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Tuscaloosa, AL (#46220)
    CBSA Metro Statistical Area: Tuscaloosa, AL (#46220)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $90.9 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $81.9 mil
    Return on assets (ROA): 1.26% ($1.1 mil)
    Quarterly return on assets: 0.85% ($0.8 mil)
    Return on Equity (ROE): 13.35% ($1.2 mil)
    Quarterly return on equity: 8.91% ($0.8 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.26% ($1,145.4 mil)
    Quarterly Pretax return on assets: 0.85% ($772.7 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
  • 18Total employees (full-time equivalent)
  • $90,908Total assets
  • $2,592Cash and due from depository institutions
  • $211Interest-bearing balances
  • $34,902Securities
  • $6,938Federal funds sold & reverse repurchase agreements
  • $44,605Net loans & leases
  • $411Loan loss allowance
  • $0Trading account assets
  • $322Bank premises and fixed assets
  • $636Other real estate owned
  • $0Goodwill and other intangibles
  • $90,908Life insurance assets
  • $913All other assets
  • $82,309Total liabilities and capital
  • $81,948Total liabilities
  • $66,836Total deposits
  • $81,948Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $361Subordinated debt
  • $8,599All other liabilities
  • $8,599Total equity capital
  • $8,599Total bank equity capital
  • $0Perpetual preferred stock
  • $8Common stock
  • $1,592Surplus
  • $6,999Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $946Income earned, not collected on loans
  • $0Earning assets
  • $552Long-term assets (5+ years)
  • $86,656Average Assets, year-to-date
  • $24,305Average Assets, quarterly
  • $89,349Volatile liabilities
  • $92,413Insider loans
  • $52,853FHLB advances
  • $92,565Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,639Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,578Restructured Loans and leases
  • $1,675Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,852Total interest income
  • $1,099Total interest expense
  • $2,753Net interest income
  • $39Provision for loan and lease losses
  • $364Total noninterest income
  • $0Fiduciary activities
  • $245Service charges on deposit accounts
  • $0Trading account gains & fees
  • $119Additional noninterest income
  • $1,955Total noninterest expense
  • $890Salaries and employee benefits
  • $256Premises and equipment expense
  • $809Additional noninterest expense
  • $1,123Pre-tax net operating income
  • $4Securities gains (losses)
  • $0Applicable income taxes
  • $1,127Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,127Net income attributable to bank
  • $0Net charge-offs
  • $1,127Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $1,150Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.56%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 3.26%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.32%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 13.35%Return on equity (ROE)
  • -0.27%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 100.00%Credit loss provision to net charge-offs
  • 29.79%Efficiency ratio
  • 62,721Assets per employee
  • 5.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 102.04%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 43.45%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 2.10%Net loans and leases to deposits
  • 54.43%Net loans and leases to core deposits
  • 59.60%Equity capital to assets
  • 9.46%Core capital (leverage) ratio
  • 8.25%Tier 1 risk-based capital ratio
  • 14.45%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $89,349Average earning assets
  • $8,443Average equity
  • $84,416Average loans

List of branches

  • 1 Alabama Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    01142Peoples Bank Of Greensboro1402 State Street, Greensboro, AL 36744March 07, 1904Full Service Brick and Mortar

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