Peoples Bank of Greensboro in Greensboro, Alabama (AL)



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Peoples Bank of Greensboro routing number info

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Peoples Bank of Greensboro
GeneralFDIC 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
WWW: http://www.peoplesbankofgreensboro.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 #: 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)18
Total assets$90,908
Cash and due from depository institutions$2,592
Interest-bearing balances$211
Securities$34,902
Federal funds sold & reverse repurchase agreements$6,938
Net loans & leases$44,605
Loan loss allowance $411
Trading account assets$0
Bank premises and fixed assets$322
Other real estate owned$636
Goodwill and other intangibles$0
All other assets$913
Life insurance assets$90,908
Total liabilities and capital$82,309
Total liabilities$81,948
Total deposits$66,836
Interest-bearing deposits$81,948
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $361
All other liabilities $8,599
Total equity capital$8,599
Total bank equity capital$8,599
Perpetual preferred stock$0
Common stock$8
Surplus$1,592
Undivided profits $6,999
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $946
Earning assets $0
Long-term assets (5+ years) $552
Average Assets, year-to-date $86,656
Average Assets, quarterly $24,305
Volatile liabilities $89,349
Insider loans $92,413
FHLB advances $52,853
Loans and leases held for sale $92,565
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,639
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,578
Derivatives$1,675
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,852
Total interest expense $1,099
Net interest income $2,753
Provision for loan and lease losses $39
Total noninterest income $364
Fiduciary activities $0
Service charges on deposit accounts $245
Trading account gains & fees $0
Additional noninterest income $119
Total noninterest expense $1,955
Salaries and employee benefits $890
Premises and equipment expense $256
Additional noninterest expense $809
Pre-tax net operating income $1,123
Securities gains (losses) $4
Applicable income taxes $0
Income before extraordinary items $1,127
Extraordinary gains - net $0
Net income attributable to bank $1,127
Net charge-offs $0
Cash dividends $1,127
Sale, conversion, retirement of capital stock, net $39
Net operating income $1,150
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.56%
Cost of funding earning assets 1.30%
Net interest margin 3.26%
Noninterest income to earning assets 0.43%
Noninterest expense to earning assets 2.32%
Net operating income to assets 1.26%
Return on assets (ROA) 1.26%
Pretax return on assets 1.26%
Return on equity (ROE) 13.35%
Retained earnings to average equity (YTD only) -0.27%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 100.00%
Efficiency ratio29.79%
Assets per employee$62,721
Cash dividends to net income (YTD only)5.05%
Condition Ratios (%)
Loss allowance to loans 102.04%
Loss allowance to noncurrent loans 0.91%
Noncurrent assets plus other real estate owned to assets 43.45%
Noncurrent loans to loans 1.74%
Net loans and leases to deposits2.10%
Net loans and leases to core deposits 54.43%
Equity capital to assets 59.60%
Core capital (leverage) ratio 9.46%
Tier 1 risk-based capital ratio 8.25%
Total risk-based capital ratio 14.45%
Memoranda
Average assets$15
Average earning assets$89,349
Average equity $8,443
Average loans $84,416
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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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