Peoples Community Bank in Montross, Virginia (VA)

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Peoples Community Bank
GeneralFDIC Certificate #: 829
Status: Active
Federal Reserve ID: 947628
Bank Holding Company (Regulatory Top Holder): Peoples Bankshares, Incorporated (RSSDID: 2332303, Location: Montross, VA)
Date Established: June 17, 1913
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 5 (Domestic: 5, Interstate: No)
FDIC's unique #: 519
Numeric code: 13
Regulator: FED
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 15960 Kings Highway, Montross, VA 22520
County: Westmoreland
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Richmond
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $139.9 mil
Equity capital: $12.7 mil
Deposits held in domestic offices: $126.3 mil
Return on assets (ROA): 0.38% ($0.5 mil)
Quarterly return on assets: 0.21% ($0.3 mil)
Return on Equity (ROE): 4.28% ($0.6 mil)
Quarterly return on equity: 2.30% ($0.3 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.46% ($643.6 mil)
Quarterly Pretax return on assets: -0.01% (-$14.0 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)47
Total assets$139,918
Cash and due from depository institutions$2,815
Interest-bearing balances$206
Federal funds sold & reverse repurchase agreements$4,983
Net loans & leases$88,523
Loan loss allowance $2,161
Trading account assets$0
Bank premises and fixed assets$3,828
Other real estate owned$678
Goodwill and other intangibles$0
All other assets$5,440
Life insurance assets$139,918
Total liabilities and capital$127,241
Total liabilities$126,343
Total deposits$115,666
Interest-bearing deposits$126,343
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $898
All other liabilities $12,677
Total equity capital$12,677
Total bank equity capital$12,677
Perpetual preferred stock$0
Common stock$652
Undivided profits $11,902
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 $2,306
Earning assets $0
Long-term assets (5+ years) $539
Average Assets, year-to-date $127,363
Average Assets, quarterly $67,103
Volatile liabilities $135,618
Insider loans $139,576
FHLB advances $86,017
Loans and leases held for sale $140,257
Unused loan commitments $3,311
Tier 1 (core) risk-based capital $3,311
Tier 2 risk-based capital $11,977
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,096
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,328
Total interest expense $1,218
Net interest income $5,110
Provision for loan and lease losses $585
Total noninterest income $445
Fiduciary activities $0
Service charges on deposit accounts $240
Trading account gains & fees $0
Additional noninterest income $205
Total noninterest expense $4,517
Salaries and employee benefits $2,076
Premises and equipment expense $678
Additional noninterest expense $1,763
Pre-tax net operating income $453
Securities gains (losses) $166
Applicable income taxes $99
Income before extraordinary items $520
Extraordinary gains - net $0
Net income attributable to bank $520
Net charge-offs $0
Cash dividends $520
Sale, conversion, retirement of capital stock, net $135
Net operating income $156
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.16%
Cost of funding earning assets 0.99%
Net interest margin 4.17%
Noninterest income to earning assets 0.36%
Noninterest expense to earning assets 3.69%
Net operating income to assets 0.28%
Return on assets (ROA) 0.38%
Pretax return on assets 0.46%
Return on equity (ROE) 4.28%
Retained earnings to average equity (YTD only) 3.00%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 433.33%
Efficiency ratio7.69%
Assets per employee$81,314
Cash dividends to net income (YTD only)2.98%
Condition Ratios (%)
Loss allowance to loans 30.00%
Loss allowance to noncurrent loans 2.38%
Noncurrent assets plus other real estate owned to assets 93.71%
Noncurrent loans to loans 2.13%
Net loans and leases to deposits2.54%
Net loans and leases to core deposits 70.07%
Equity capital to assets 72.37%
Core capital (leverage) ratio 9.06%
Tier 1 risk-based capital ratio 8.54%
Total risk-based capital ratio 13.92%
Average assets$15
Average earning assets$135,618
Average equity $12,144
Average loans $122,537
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5 Virginia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0519Peoples Community Bank15960 Kings Highway, Montross, VA 22520June 17, 1913Full Service Brick and Mortar
1264016Warsaw BranchU.S. Route 360 And State Route 624, Warsaw, VA 22572June 30, 1986Full Service Brick and Mortar
2186009Stafford County BranchRte 3 & 607 (Cool Springs Road), Fredericksburg, VA 22405June 01, 1998Full Service Brick and Mortar
4361040King George County Branch8065 Kings Highway, King George, VA 22485October 02, 2000Full Service Brick and Mortar
6521784Dahlgren Branch5082 James Madison Highway, King George, VA 22485July 01, 2010Full Service Brick and Mortar
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